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ConsumerAffairs Verified Brand

The General Auto Insurance

The General Auto Insurance
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Overall Satisfaction Rating 3.69/5
  • 5 stars
  • 4 stars
  • 3 stars
  • 2 stars
  • 1 stars
Based on 833 ratings submitted in the last year

The General Auto Insurance specializes in offering car insurance to high-risk drivers. The General is a verified carrier for InsuraMatch–which powers the *ConsumerAffairs insurance program. For free auto insurance quotes from The General and other verified carriers, call InsuraMatch today.


The General auto insurance covers high-risk drivers. Satisfied customers say it’s really easy to get an online quote and that the pricing is great. Reviewers say the customer service is excellent and prices are competitive.


  • Offers SR-22 filing for drivers
  • Offers most of the standard options offered by competitors
  • Affordable insurance for high-risk drivers who have trouble finding coverage elsewhere
  • Deductible waiver for windshields, door and window glass.


  • No safe driver programs or discounts
  • Con third point.
  • Prices can be higher than competitors

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The General Auto Insurance Reviews

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Page 1 Reviews 1 - 10
Rated with 5 stars
Verified Reviewer
Original review: Aug. 27, 2019

I have had a lapse in coverage due to non-payment, but that was not a problem. All I had to do was make my payment to re-instate. It was that easy, hassle-free. It was all done with their automated service. I called the next day and talked with a live person to confirm transitions.

4 people found this review helpful
Rated with 5 stars
Verified Reviewer
Original review: Aug. 26, 2019

It was very easy to sign up and get insurance. The rates and choices you could make concerning your policy were very reasonable. It doesn't take a long time to speak with a customer service representative.

5 people found this review helpful

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    Rated with 5 stars
    profile pic of the author
    Verified Reviewer
    Original review: March 28, 2019

    No other insurance company would help me and one agent told me I was uninsurable. I didn't think I was going to be able to drive again until I called The General and they told me they would help me get back on the road. They quoted me a price and I've never had any of the Hidden fees other people are posting about. My policy is up and I'm about to renew. That's how I arrived at this site. If you need high risk liability insurance to get back on the road this company is excellent.

    10 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Jan. 6, 2020

    This insurance company is the worst! They are not timely as they claim to be - my car was hit, not my fault, I have been without a car for over a month - they take forever to get anything processed and refuse to represent your best interest to the other insurance company...I recommend you do not get this insurance!!!!!

    2 people found this review helpful
    Rated with 1 star
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    Verified Reviewer
    Original review: Jan. 2, 2020

    I purchased the auto policy 2 days ago then I read the reviews. Boy was I a sucker. They took my 227 ambe. Won't give it back. That's ok. They will end giving it back 'cause I'm filing papers. They cover nothing if someone or I get into an accident. This company is worthless and apparently they don't understand English either. I have a perfect driving record for dealing with stupid morons like this. WILL NEVER RECOMMEND.

    2 people found this review helpful
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    Rated with 1 star
    Verified Reviewer
    Original review: Nov. 27, 2019

    Be careful when purchasing The General insurance. It is not a insurance company to use for high-end vehicles such as BMW and Mercedes-Benz. Their claim department will not valuate your vehicle fairly. I thought that they were doing me a favor by "recommending" a shop to estimate repairs. Please don't fall for this. Find your own shop that is a state certified shop and allow them to provide an estimate of your vehicle. They valued my 2011 BMW at $7600. The "recommended" repair shop estimated the value of my car to be within the threshold to declare it a total loss based on the repair costs. I don't know which came first: the repair estimate or the value estimate but it is not hard to see how easily these companies can colluded. Also, they housed my car a lot that actually buys cars so I am sure that they are going to make a profit on a 2011 BMW for $7600 when they sell it.

    This system is corrupt. I usually fight these types of things but I just don't have the time or energy to do so this time. But please, please please use caution in acquiring insurance with this company. They are not helping the high risk. They are taking advantage of the high risk and those who are less knowledgeable about their rights and unable to afford to fight to gain legal recompense. I really feel that an investigation should be launched into the claims processing practices of The General. I would be interested to see the number of "total losses" they are claiming as it relates to their account holders who file a claim.

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    3 people found this review helpful
    Rated with 1 star
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    Verified Reviewer
    Original review: Nov. 6, 2019

    I was recently rear ended by someone that had The General for their insurance. I was injured in the accident and my car was totaled. It took me a week to get in touch with someone after the accident. I tried calling every other day. No one was ever available, all the voice mail boxes were full, and when I'd try the option to reach an operator it would say, "I'm sorry. The voice mail box for 2167 is full. Goodbye." Then it would hang up on me.

    It has been 3 and a half months since the accident, and I am still dealing with The General. They have caused delays at every turn despite me being quick to respond and getting them the information they require. It has been an infuriating experience and I will never in my life even consider using them for my own insurance. Horrible, horrible company. Kersten from the Nashville office is particularly worthless and should be fired immediately.

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    8 people found this review helpful
    Rated with 1 star
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    Verified Reviewer
    Original review: Sept. 17, 2019

    Being in the auto body industry. The General Insurance is the worst. Nothing is worse than these people. Just try calling up and filing a claim it takes over an hour. People on the phone don't know anything. Nobody knows nothing. Then when the adjuster finally comes and looks at the vehicle they dodged your call. They don't answer your telephone. They don't answer emails. It's been 45 days since they should have paid the claim on a vehicle we had finished. Just stay away from these people. Erie Insurance is a lot better.

    5 people found this review helpful
    Rated with 1 star
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    Verified Reviewer
    Original review: Sept. 14, 2019

    Do not go with The General if you want to have an accident claim done properly. If you want cheap insurance that works best without having issues that need to be brought to them then you will be fine. Our adjuster Joseph ** did a good job in the beginning and our rental they put us in was good until Friday the 13th of September. We had a car picked out already and were waiting for the total loss payout that same day but never received any response to our multiple calls and inquiries. And why would The General schedule our rental to be returned on the 13th and leave us with no car? Well that is what they did.

    I had to pay out of pocket to continue to rental because we have to have transportation where Joseph ** dropped the ball. We are already up for renewal but we certainly won't renew with The General. We are now forced to wait in the dark until Monday the 16th thanks to The General. Please understand I'm an experienced older car buyer and I've never been treated this poorly with all other insurance companies I've been with over the years. Now we have to forfeit on the car we spent hours reviewing, test driving, etc. and now we are probably going to lose that car over buyers that will buy it this weekend while we still sit with a rental that I paid for, not the insurance company. VERY POOR FOLLOW THROUGH WHEN PAYMENT WAS DUE TO US FOR THE SETTLEMENT. Bad job guys!

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    6 people found this review helpful
    Rated with 1 star
    profile pic of the author
    Verified Reviewer
    Original review: Sept. 13, 2019

    So I called The General, some guy named "Jonathan" was who I spoke with. He was not nice at all, did not even let me finish asking my question and cut me off say "Thank you for calling th-." I hung up on his rude **. ** whatever he was gonna say LOL.

    7 people found this review helpful

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    Permanent General Auto Insurance (PGAC) expert review by Matthew Brodsky

    Permanent General Auto Insurance is a licensed agency that offers insurance in many states. They have been in business for over 50 years and recognized by A.M. 

    • Accepts drivers regardless of history: The General offers insurance for most drivers, even if they don't have a perfect driving record or have let their insurance lapse.

    • Electronic payments: They make it easy to pay monthly bills online via their electronic platform.

    • Low down payments: They keep their down payments low and affordable so that drivers can sign up for insurance, even if they don't have a lot of money upfront.

    • Continuing to expand: The General is continuing to expand their coverage and has taken on new states such as West Virginia and Nebraska.

    • Great customer service: The General has excellent customer service that makes it easy for drivers to contact a representative and settle claims.

    • Best for: Drivers with a poor driving history and drivers who want a low down payment.

    by Matthew Brodsky Insurance Contributing Editor

    Matthew Brodsky is an established expert on insurance, having written hundreds of articles and other pieces of content on the subject, interviewed countless practitioners, and attended dozens of conferences and events. He served as an editor at industry magazine Risk & Insurance for six years.

    The General Auto Insurance Company Information

    Company Name:
    Permanent General Auto Insurance (PGAC)

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