The General Car Insurance Reviews

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About The General Car Insurance

The General specializes in auto coverage policies for drivers who are high risk or who have poor credit scores. It offers affordable car insurance with low down payments and is geared toward those who might struggle to find policy providers. The General writes auto policies in 46 states.

Pros
  • Affordable
  • Caters to high-risk drivers
  • Low down payments
Cons
  • Penalty for canceling early
  • Limited info on website

Helpful Reviews

Portsmouth, OH
Verified purchase
I rarely leave reviews, but my experience with The General has been incredibly frustrating. It took over a week and a half just for them to accept liability, even with my statemen...

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Minneapolis, MN
Verified purchase
No other insurance company would help me... 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 roa...

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What is The General car insurance?

The General is a subsidiary of PGC Holding Corporation, which is an affiliate of American Family Insurance. The company provides auto insurance policies ideal for high-risk drivers and those with poor credit. Its coverage includes collision, comprehensive, liability, personal injury protection and roadside assistance options. It also offers SR-22 filing. Its coverage is available in 46 states as well as Washington D.C.

How does The General work?

The General is known for its quick, easy and affordable online quotes, which help potential policyholders save time and money. It offers various policy and service options to suit drivers’ needs.

With the General, you can choose your desired coverage limits. Its restricted plans limit coverage to those specifically listed on your policy, and its medical payments insurance covers medical expenses for you or your family members affected by an automobile accident. Its additional protection options include uninsured motorist coverage and rental car insurance.

The General cost

The cost of The General car insurance will vary based on your age, location and the make, model and year of your car. To get an accurate quote, reach out to The General through the online quote tool.

The General helps you avoid surprise policy fees. It combines payment plans with electronic verification of your info and details about your vehicle when you purchase a policy. The company offers low down payments and affordable rates, and it accepts payment via credit card and electronic checks. It also provides split payment options.

The General also offers discounts that can help you save on your premiums. Good student discounts, bundling multiple drivers and car safety features are just some of the discounts available.

Note that 10 percent of your unearned premium might be deducted if you cancel your policy early — however, this varies from state to state.

The General FAQ

Does The General have full coverage insurance?

Yes, The General does offer full coverage options. Each policy is different, though, so it's important to check the details of your plan if you need full coverage.

What states does The General cover?

The General writes policies in 46 states as well as Washington D.C.

Does The General offer rental car coverage?

Yes, The General offers rental car coverage. Contact customer support to verify your policy includes this coverage.

Does The General do windshield repair?

Yes. The General offers windshield repair as part of its comprehensive coverage.

Still have questions?

Is The General car insurance good?

Auto coverage from The General is a good option for high-risk drivers and those with low credit. Its plans are affordable, and you can get fast and easy quotes online. It also offers low down payments and split payment options. The General also provides full coverage, rental car, medical, personal injury protection and uninsured motorist insurance, among other policy options.

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The General Car Insurance Reviews

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    How do I know I can trust these reviews about Permanent General Auto Insurance (PGAC)?
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    How do I know I can trust these reviews about Permanent General Auto Insurance (PGAC)?
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    • Our moderators read all reviews to verify quality and helpfulness.
    Page 1 Reviews 0 - 10
    Coverage

    Reviewed June 12, 2026

    My claims adjuster was Maureen **. Highly recommend. I was dealing with an incredibly difficult insurance company who fought me tooth and nail every single step of the way. She fought them back and gave advice. She was able to secure me a rental and a better offer when they originally weren't willing to budge.

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    Customer ServiceCoverageTechPriceRatesTimeliness

    Reviewed May 31, 2026

    Mind you I was paying right around a 120.00 a month for state minimum auto insurance through The General. And I was trying to get it down with them and they told me there was nothing to do. It was based on my driving record. I called up another company and did a way better of a Quote with them and I am paying only 34.85 a month. I asked around and they said right around the same price per month so I went with the first company that was local and had me all set up that day. I called and canceled my policy with The General the next day and they were like why and a few other questions and I told them I found a way better deal in my new price range of less per month.

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      Coverage

      Reviewed May 14, 2026

      I WAS A CUSTOMER! THEY ARE A TOTAL RIP OFF! THEY REFUSED MY CLAIM SAYING I DIDN'T have coverage. They said since the accident was my fault they won't pay! So now I'm stuck with a 7,000 repair. They suck!! The girl I had kept on reminding me that I didn't have coverage! I told her to stop saying that, I'm not stupid!! Please never ever go with them!!

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      PriceBillingRates

      Reviewed May 9, 2026

      I just think The General should make clear the initial quote process, I got a quote for 60$. When I entered my credit card info the price jumped to 119$, I paid 94$ but was never told the 94$ was not the first month's payment. I learned this a few days after payment sooo I'm gonna pay (it seems) 214$ for my first month and that's only liability. I'M confused, I was told that the 94$ goes towards the policy's premium????

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      Customer ServiceCoverageRefunds & PayoutsStaff

      Reviewed April 15, 2026

      I rarely leave reviews, but my experience with The General has been incredibly frustrating. It took over a week and a half just for them to accept liability, even with my statement and a police report clearly showing the other driver was at fault. Once I finally got into a rental, things somehow got worse. As soon as my car was declared a total loss, I was told I had only a few days to return the rental and now they’re only covering part of it, leaving me to pay out of pocket for an accident that wasn’t my fault.

      On top of that, the settlement offer for my vehicle is extremely low and doesn’t reflect its actual condition or value. It feels like they’re cutting corners at every step instead of handling the claim fairly. To make matters worse, I can never get ahold of my adjuster. Communication has been nearly nonexistent throughout this entire process. Overall, this has been a stressful and disappointing experience. I would strongly recommend considering other insurance companies if you expect timely communication and fair treatment.

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      CoveragePunctuality & SpeedRefunds & PayoutsStaffBillingHonesty & Transparency

      Reviewed April 5, 2026

      I have one ticket. I bought the policy for 1 yr. 1029.00. Put down 129.00 .ays later they send me a bill for 293.00 and say I owe them 2193.00 for minimum coverage and they will only give back 85.00 for refund. They lie and don't care and waste your time, this co. is from the pit of hell.

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      Verified purchase
      Customer ServicePunctuality & SpeedRefunds & PayoutsBilling

      Reviewed March 30, 2026

      I have been with this company for about 4 years. I have never enrolled in autopay. This month, my monthly payment was taken out from my account twice in two separate days. Be advised that when you make a payment and email is received with the confirmation of the payment, which I did. Also, the account reflects zero dollars owed, and there is also a message saying that the account is pay up. Then when I checked my bank account, I noticed two payments in two different days for the same amount. I received the second email today, 8 days after the supposed second payment was made. I have requested a refund, and the answer is I have to wait 12 days to get the refund. Monitor your bank account because this company is robbing people.

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      Customer ServiceStaffTimeliness

      Reviewed Feb. 17, 2026

      I called because I was locked out of my car. The representative that I spoke with was very rude and sarcastic. He stated that I would get a call from the person coming to unlock my vehicle and over an hour had went by and I never was contacted. I called back and spoke with someone else that stated his co-worker was still trying to get someone to come out. Miraculously someone became available within minutes of me calling the second time. They dispatched the service to two different companies which tried to have me call the other company to cancel their service and have them do it. I think I’m going back to AAA because I’ve never had an issue with their service if I needed it!!!!

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      Customer ServiceCoverageStaff

      Reviewed Dec. 31, 2025

      Had an incident on 12/6/25 with an insured who uses The General. The insured was making a delivery of some sort (in my complex mind you) and hit my car. She was looking for the building to whom she was delivering to and did not yield to oncoming traffic. Was supposed to have a recorded statement on 12/22/25 - NEVER HEARD FROM THE ADJUSTER. Then I get a call from the adjuster on 12/26! wth!!! They are very unprofessional and the adjuster should be fired. To date, this claim is still open. SHAQ....you should be ashamed of yourself for advocating for this fraudulent company!

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      CoveragePunctuality & SpeedStaff

      Reviewed Dec. 8, 2025

      Worst insurance company in the world. If you fall victim to getting into accident with one of their clients. Their adjusters will be guilty of claim delays and agent mishandling. I have filed complaints with the insurance commissioner in 2 states for these reasons. If you make the adjuster mad, they will transfer the file to another adjuster to slow it down even more. Mark ** is the adjuster that sat on our claim for 6 weeks.

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      The General Car Insurance Company Information

      Company Name:
      Permanent General Auto Insurance (PGAC)
      Website:
      www.thegeneral.com