The General Overview

Headquartered in Nashville, TN, The General Insurance Company was designed to give those drivers with less-than-perfect records affordable auto insurance. The company operates in 47 of the 50 states, and provides a variety of services, but all premiums cover the minimum requirements of each specific state. The company is part of PGC holdings group, which has been writing auto insurance throughout a large portion of the country for 50 years.


Rank Chart
Coverage Details
Our Score

The Good

Insurance from the General is set up for all drivers, but those with less than stellar records can also receive quality insurance at a somewhat reasonable rate. This means that a majority of drivers will qualify for General benefits. Advantages of General Insurance includes:

Coverage Features:

While the review team’s sample quote includes the bare minimum services required by the driver’s state requirements, policies can be tailored on such points as:

  • Liability
  • Rental
  • Comprehensive
  • Collision

Service Coverage:

The General covers 47/50 U.S states. The 3 states not covered are Hawaii, Massachusetts, and Michigan. The states that do provide coverage will vary in ways of premiums, coverage and other specific rules and state laws.

Price Range:


The average price of an auto insurance policy from The General ranges from $102 to $118 per month.


The company began selling auto insurance since 1963 under the name Permanent General Agency, giving them more than 50 years of experience in the industry.

Online Policy Access:

The General’s website houses options to renew or change coverage, make a payment online through the automatic bill pay option and receive online customer service support.

Website Helpfulness:

A few minutes on their website will give drivers a free quote customizable to their preferences. Their website also features some help topics at the bottom of the site. Help features include options like Auto Insurance information, state insurance information, insurance basics and a frequently asked questions, (FAQ), page.

The Bad

Since General Insurance works to accommodate drivers with from all backgrounds, they are not able to provide some of the premier features other insurance companies provide. While there are many benefits to the General Insurance business model, there are some drawbacks as well. These include:

File/Track Claims:

Customers cannot file or track a claim online. They must call in by phone to a customer service representative. Representatives are available all day, every day.


The General only offers one discount to customers who pay in full.

Online Reputation:

The General’s Facebook page was surprisingly low in “likes” with just over 5,000. On the Consumer Affairs website, The General doesn’t hold much better. Out of the 47 people polled, 46 of them gave this company a one-star rating, and the other individual gave a two-star rating.

The Bottom Line

The General Insurance is a great option for those who have driven for an extended period of time without insurance, who have been in accidents, or have had speeding tickets. Not being able to file a claim online can be a headache to some. Many would rather input the specifics about an accident into an online form, rather than possibly waiting on hold to share the information with an agent.

For those who can’t get insurance elsewhere, or who are fine with having ‘just enough’ insurance, this company is a great choice. The website is upfront about its’ costs, coverage and locations. Forty-seven of the fifty states offer insurance coverage from The General, and this service will serve in a pinch.

Are there any inaccuracies in this review? We take our accuracy very seriously and would love your feedback. Give feedback here.

X close
X close

No The General Reviews

1. Select Your Rating:


2. Subject For This Review*(Select all that apply)

0 characters

3. Review Validation*


There are currently no reviews .