/images/2018/01/23/navina-side-hustle-mid_MPfEDfV.jpg)
/images/2019/12/06/smart_strategies_to_save_money_on_car_insurance.jpg)
/authors/kristen_cervellini-1.jpg)
/authors/melinda-sineriz-financebuzz.jpg)
Choosing a car insurance provider can be challenging. If you're considering The General, reviewing its pricing structure will help you determine if it meets your needs. However, we recommend gathering quotes from several providers to ensure you're securing the best value when looking to save money on your car insurance.
The General car insurance pricing per month
Full-coverage car insurance from The General averages $189 per month. Drivers who choose minimum liability-only coverage pay an average of $98.
Keep in mind these are average figures. Your personal rate will depend on variables such as your age, where you live, credit score, and driving record. While your actual cost with The General might be different, these averages provide a useful benchmark for comparing different providers.
| The General average monthly cost | National average monthly cost | |
| Full coverage | $189 | $186 |
| Liability-only | $98 | $104 |
The General's rates versus other car insurance providers
Each company evaluates risk and offers discounts differently, which can affect pricing. Comparing quotes will show you how The General measures up for your particular circumstances.
| Provider | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $115 | $58 |
| Progressive | $182 | $106 |
| GEICO | $146 | $95 |
| Allstate | $146 | $77 |
| USAA | $104 | $54 |
| The General | $189 | $98 |
The General's rates by age
Age plays a major role in The General's pricing model, as it does with most insurers. Car insurance for teen drivers comes with the highest costs, averaging about $315 monthly for full coverage.
Premiums generally decrease as you enter your 20s, where The General averages $249. The downward trend continues through your 30s at $190 and your 40s at $168.
The most favorable rates typically appear for drivers in their 50s and 60s, with monthly averages of $156 and $152, respectively.
Rates tend to climb again once you reach your 70s, averaging around $158 per month. This pattern demonstrates how insurance companies price risk across different life stages.
| Age group | The General average monthly full coverage cost | National average monthly cost |
| Teens | $315 | $360 |
| 20s | $249 | $243 |
| 30s | $190 | $199 |
| 40s | $168 | $191 |
| 50s | $156 | $177 |
| 60s | $152 | $159 |
| 70s | $158 | $163 |
The General's rates for high-risk drivers
Traffic violations and accidents on your record will typically increase your car insurance costs with The General. High-risk drivers who have a speeding ticket pay around $265 monthly on average. Those with an at-fault accident face rates near $269 per month.
Drivers with a DUI face significantly higher premiums, averaging roughly $276 per month. While these numbers reflect typical costs for high-risk profiles, your actual rate will vary based on the recency of the incident and other individual factors.
| Driving record | The General average monthly full coverage cost | National average monthly cost |
| Accident | $269 | $247 |
| Speeding ticket | $265 | $238 |
| DUI | $276 | $272 |
How does your credit score affect your rate with The General?
Your credit score factors into insurance rates in all but four states: California, Hawaii, Massachusetts, and Michigan.
Where credit scoring is permitted, The General adjusts premiums according to your credit tier. Those with excellent credit average $167 monthly, while good credit holders pay around $182.
Drivers with average credit face monthly costs near $186, and those with poor credit average about $231 per month.
These figures demonstrate how significantly credit can impact your premium, though your final rate will also reflect other personal characteristics.
| Credit score | The General average monthly cost of full coverage | National average monthly cost |
| Excellent | $167 | $164 |
| Good | $182 | $179 |
| Average | $186 | $194 |
| Poor | $231 | $227 |
FAQs
Is The General a legitimate car insurance company?
The General is a legitimate insurance company that has been in business since 1963 and is now a subsidiary of PGC Holdings Corp., an affiliate of American Family Insurance. The company holds an A (Excellent) financial strength rating from AM Best, demonstrating its ability to meet policyholder obligations and pay claims. The General specializes in providing coverage for high-risk drivers who may have difficulty obtaining insurance elsewhere due to DUIs, SR-22 requirements, or past accidents, and maintains an A+ rating with the Better Business Bureau.
What discounts does The General offer to reduce premiums?
The General provides several discount opportunities including good student discounts for maintaining at least a B average, defensive driving course completion, multi-vehicle policies, and recent auto insurance history within the last five years. Additional savings might be available through vehicle safety features like anti-lock brakes and anti-theft devices, though discount availability varies by state.
How does The General handle insurance claims?
The General offers 24/7 claims filing through multiple channels including its mobile app, website, or phone support at any time of day. While the company has an excellent financial strength rating indicating its ability to pay claims, independent industry reviews suggest that complex claims might take longer to resolve compared to some competitors. The General's mobile app receives high ratings of 4.7 out of 5 stars on both iOS and Android platforms, making it convenient for policyholders to report incidents, upload photos, and track claim progress directly from their phones.
Bottom line
Should you choose The General as your car insurance company? Getting quotes from The General alongside other insurers and comparing them on both cost and service quality is the most effective way to decide.
Data throughout provided by Insurify.
Average rate:
/images/2025/12/02/usaa_car_insurance_building.png)
/images/2025/12/02/progressive_logo_on_suv.png){kind=logo}
/images/2025/12/01/csaa_aaa_car_insurance_sign.png)
/images/2025/11/26/state_farm_logo_on_phone_and_website.png){kind=logo}
/images/2025/11/25/geico_phone_app.png)
/images/2025/10/21/new_york_skyline.jpg)