The General® Auto Insurance

Why choose The General® Auto Insurance?

  • Download The General® free app where you can view your car insurance policy information and even make payments
  • Car insurance policyholders can choose 6 or 12 month policies, depending on your budget
  • Always losing your insurance ID card? You can get easy access to your car insurance policy information through The General® app, then it’s always with you

Did you know...?


  • The General® boasts 50 years of experience when writing car insurance with their customers
  • In Louisiana? Swing by one of their retail stores and meet the team
  • The General® mascot and spokesman Shaquille O’Neal are just as famous as the The General® brand – super-fans can buy hats, t-shirts and mugs with these notable figures
  • To view this page in Spanish, Click Here
  • Customer Service: 866-519-7422
  • Claims: 800-280-1466
  • The General® Insurance, 2636 Elm Hill Pike, Suite 510, Nashville, TN 37214
  • [email protected]

About The General® Insurance

No one’s perfect, and The General® understands that. That’s why it prides itself on saying “YES” when other insurance companies say “no.” The General® is a saving grace for many drivers because they provide auto insurance coverage even to drivers who may have too many driving tickets, a history of accidents or poor credit. They also provide custom options to make paying for insurance easier like choosing your own car insurance payment date, flexible payment plans and low down payments.

Based in Nashville, Tennessee, The General® agents and representatives are exclusively customer focused. They invest in technology to make things as easy as possible for their customers. Their agents have electronic verification programs to ensure that they can get you the best price on car insurance with no surprises. The General® will help you secure the car insurance coverage you need in the most convenient way possible, whether that’s by phone, online, or through a local agent.

There are many great benefits of insuring your vehicle with The General®. Once you’ve bought your policy, you can instantly print off proof of purchase. Furthermore, their free claims line lets you speak to a representative 24/7, and you can report a claim or check on the status of an existing claim whenever needed.

The General® is part of PGC Holdings Corp. (PGC) and has been wholly owned by American Family Insurance since 2013. American Family Insurance is one of the largest insurance companies in the U.S., with over $20 billion in assets.

So, is The General® the best insurer for you and your vehicle? Let’s take a closer look.

Customer Reviews About The General®

Clearsurance 3.7/5 –797 reviews
AM Best A
Glassdoor 3.2/5

The General® gets high marks from its customers — which isn’t always the case for companies that specialize in nonstandard insurance. 70% say they’re likely to renew their policy, and 66% would recommend The General® to a friend. Many reviewers say The General’s insurance is both high quality and affordable, and its customer service is prompt and friendly. The Better Business Bureau gives The General® an A+ rating for its business practices, and its customer reviews with the BBB are favorable.

It’s financially sound, too, which means you can rely on the company to pay future claims. Its parent company, American Family Mutual Insurance Company, holds a financial strength rating of A from AM Best.

The General’s own employees’ assessment is less enthusiastic than customer reviews, but still many employees praise the flexible schedule and good benefits.

The company rates 3.4 out of 5 on Glassdoor.

How Much Can I Save?

The General® doesn’t offer as many specific discounts as other insurers do, but then again, it doesn’t need to – The General’s rates speak for themselves.

Still, here’s a look at a few discounts The General® features.

Discount Savings
Homeowner Discount Save money if you own your home
Military Discount In Louisiana, you can earn a discount if you’re serving full time in the Army, Navy, Marine Corps, Air Force, a Reserve Corps/National Guard or the Coast Guard.
Good Student Discount Good students can save with The General®! Just send in proof that you rank in the upper 20% of your class; have a B average or better; have a 3.0 average or better; or are on the Dean’s List or the Honor Roll.
Driver Training Discount If you’ve recently passed an accident prevention course, you can save on insurance.
Safety Features Discount You can get a discount if your vehicle has anti-lock brakes, anti-theft features, daytime running lights, air bags or passive restraints.
Multi-Vehicle Discount Save on insurance when you insure multiple vehicles with The General®.
Pay-in-Full Discount Save by paying your policy in full.
Safe Driving Discount Once you’re insured, The General® will give you discount points for maintaining a clean driving record.

What Coverage is Available?

In terms of car insurance, you won’t find all of the bells and whistles you might have access to with other insurance companies, but you will find:

  • Full coverage or comprehensive insurance: This can provide more financial stability for drivers with repair costs from any covered event included. 
  • Liability insurance: This can cover property damage and medical expenses.  

Optional coverage options include roadside assistance. 

While The General®  might not provide the most affordable insurance options, high-risk drivers will find the coverage they are looking for. Young drivers and others that fall in the high-risk driver category will find The General®’s product offerings more than sufficient.

How Does The General® Work?

Ready to get a quote? It’s easy. You can get a quote for The General® Insurance online. 

The process kicks off by asking for your zip code. From there, get ready to provide additional information. It starts with your contact details including your name, e-mail address, and address. Additionally, you’ll need to provide information about any regular drivers, who will drive your vehicle more than once per week. 

Once you have the quote, you can finalize your coverage online. But if you have questions, you also have the option to chat with a live agent. They’ll be ready to answer any questions about your insurance policy options. 

When you become a customer, you can reach out to file a claim via the General’s mobile app or call a representative. In either case, be prepared to provide your policy number.

Where Does The General® Offer Coverage?

The General® offers insurance policies to drivers and vehicles in 46 states and Washington, D.C.

The General: Pros and Cons

Every car insurance company has advantages and disadvantages. Here’s what you need to know about The General. 

Let’s start with the pros:

  • High-risk coverage is available: High-risk drivers in most states will find coverage options. 
  • Ample discounts: The General offers a robust selection of discounts. 
  • Add-ons available: You can build out the right policy for your needs. 

Now for the cons:

  • No gap insurance: You can’t obtain gap insurance through The General. 
  • Focus on high risk drivers: As a driver with a clean record, you might find better prices and features elsewhere. 

Is It Right For Me?

Now, for the question you came here to get: Is The General® the best car insurance for you?

It might be! The General® is likely to be a good fit if:

  • Your driving record or credit history isn’t perfect
  • You’re an older (70 or over) or younger driver (20 or under)
  • You need affordable car insurance and a flexible payment plan
  • You’ve had a lapse in car insurance coverage
  • You need an SR-22
  • You need non-owners car insurance

The General® promises to say yes when other insurers say no. So give it a try! Get a personalized quote from The General® and other top auto insurance providers by entering your ZIP code now.

See how The General compares to over 60 of the country’s top carriers

What Else does The General® Offer?

Unlike larger insurers in the insurance industry, The General® doesn’t provide a full suite of insurance products to its customers. You won’t find boat insurance, motorcycle insurance, or home insurance. Instead, The General® focuses on a few core products:

Auto & Vehicle


  • Term Life Insurance

Frequently Asked Questions About The General®  Insurance

Does The General® have a mobile app?

Yes. The General® offers a free, highly rated app for Android and iOS. It covers all the basics, allowing you to get a quote, make a payment, view your ID cards, or submit a claim.

How do I file a claim with The General®?

You can file a claim and check its status 24/7 by calling 1-800-280-1466 or using the app.

Does The General® offer flexible payment plans?

Yes! The General® allows customers to choose their payment schedule. You can pay online, by mail, through the app, or via an automated payment system. However, they will charge you a fee if you opt to pay by speaking to a customer service representative.

Is there a penalty if I cancel my policy early?

In some states, 10% of the unearned premium will be deducted for canceling the policy prior to the end of the policy term.

The General® in the Community

The General® has a generous history of philanthropy. They recently sponsored a live streamed party featuring Shaquille O’Neal and Super Bowl Champion Rob Gronkowski that benefited NAACP Empowerment Programs, Boys & Girls Clubs of America, and Feeding America. The General® has also donated to Nashville-area technology summer camps and career development at Tennessee State University.

You May Know The General® From…

They’re an odd couple: a 7-foot, 1-inch basketball superstar and a diminutive cartoon general with a walrus mustache. But Shaquille O’Neal and The General’s mascot are a dream team, having represented the insurance company for years.

Shaquille O’Neal is a legendary player and four-time NBA champion with the Los Angeles Lakers and the Miami Heat. He also is a customer of The General® — and Shaq is known for making smart financial decisions. He saves and invests 75% of his income and lives on the rest.

The General® on Social Media

Are you a fan of The General®? Connect with the company on all the usual channels: YouTube, LinkedIn, Facebook, Twitter and Instagram.

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