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

Featured Reviews

San Jose, CA
Verified purchase
I found their website to be very easy to use. They were very helpful and very efficient in starting my policy. The woman I worked with online was very helpful and patient in helpi...

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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.

» LEARN MORE: Cost of car insurance

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.

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)?
    • 4,822,560 reviews on ConsumerAffairs are verified.
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    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.
    Page 1 Reviews 0 - 10
    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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      Customer ServiceCoverageStaff

      Reviewed Nov. 24, 2025

      I am not a policyholder, but the driver who hit my baby and me was. It has been over 30 days, and our claims representative, Amanda **, has not reached out, despite me calling and leaving voicemails, sending text messages as she instructed for any questions, or emails. This company is so unprofessional. I'm so glad I'm not insured by them because communication with them is impossible. Shaq should be ashamed to get endorsed by a company like this!

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      Customer ServiceCoverageStaffTransparency

      Reviewed Nov. 12, 2025

      One of my employee's was recently rear ended by someone with The General as their insurance. I placed the claim the following day & received a claim #. I did not get a call by an adjustor at anytime over the first week. I called the next week to try to get someone to help. It is a service van for us & we needed a replacement. The van was not legally drivable. I could not get anyone on the phone. After at minimum an hour of trying on the phone. I just kept getting forwarded to somewhere to leave a message. I left multiple messages. Our adjustor would never return the call. After 2 weeks I finally got someone on the phone after spending 30minutes on hold. Getting transferred yet again multiple times. Finally spoke with a lady who was rude to me. Told me they had 30 days to do their investigation. If I needed something before to call my own insurance company. No apology for the delay or explanation.

      3 week they finally had someone come out to verify the damage. Another week has gone by & no calls. I am now a full 4 weeks after the accident & still no calls or resolution. No rental van or concern about us. At this point I have to assume this is how they do business. They have 2 more days to complete their investigation & don't care about the problems their insured driver has caused us. I don't understand how this could even be possible that even though they have liability. Yet can sit there & do nothing for the victim of the accident??? Worst company I have ever had to deal with.

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      Customer ServiceContract & TermsPriceRefunds & PayoutsRatesHonesty & Transparency

      Reviewed Nov. 4, 2025

      The worst customer service team I have ever dealt with. They have attitudes from hell & will hang up on you if you return the favor. They lied about my policy pricing and then refused to refund me. I submitted the documents for my speeding ticket ONE MONTH before signing the agreement and they claim it was never sent.

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      Customer ServicePricePunctuality & SpeedStaffRates

      Reviewed Sept. 5, 2025

      I am a retired 62 year old married man with no tickets. 2 months after quoting me a price they raised my price by 20 dollars. When I called and asked why they gave me no reason, put me on hold and then hung up on me. Called again, same thing. I cancelled my policy with 20 days left in the month expecting the prorated amount to be returned. Instead 4 months later they came at me saying they were keeping my money I had already paid and were taking me to collections for 67 dollars (about the amount they owed me) and said it was for reimbursement of deductions they had given me?

      I'm a retired and on disability. Basically they quoted me a price, quickly raised my rates knowing I would probably cancel my policy and then kept the remaining money I had already paid and months later are charging me more and taking me to collections. It went from 120 to 140 a month for 2 retirees in a 20 year old minivan. Just because it's legal doesn't make it right. We feel like they set us up and took advantage of us. We now pay 55 a month at Progressive. Don't use The General and and don't trust customer service to listen or even try to help you. Shame Shame Shame

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      Customer ServiceCoveragePricePunctuality & SpeedRefunds & PayoutsStaffLoan Process

      Reviewed Aug. 30, 2025

      I was in a accident with one of their insured clients. Let me start here. I was at a stoplight on August 17th approximately around 11 56. A The General insured car t boned another car and came across a four lane road and hit me head on. Lucky he hit a stop light pole first which slowed his car so he only did 4000 dollars worth of damage and I was not injured. I have been trying to get my car fixed ever since. It's sitting at shop tore down and they keep saying, "We are going to assist you." I call BS. They will drag this out I am sure and not pay nothing so God help you if you are ever in a collision with one of their insured. I will more than likely have to get a loan to pay for my car. This company needs to be shut down and boycotted.

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      Customer ServiceContract & TermsPriceStaffRates

      Reviewed Aug. 28, 2025

      The worse experience I ever had, they transferred me to three different adjusters over a month span, which cost me 3000 dollars only to total my car out that could have been repaired for same price. They have terrible communication skills and they acknowledged their mistake to only tell me "Oh we can’t help you but you just cost me 3000 bucks." Horrible customer service, horrible company.

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      CoverageSales & MarketingStaffBilling

      Reviewed July 8, 2025

      My car was waterlogged in flooding over 2 months ago and they just decided they want to do a risky repair on my vehicle for almost 11K because they don't want to pay to total it out. They don't include a rental car with my full coverage and my problem is no priority to them. They haven't even started working on it, they haven't even said sorry, they flat out don't care! Stay away from The General if you value making sure you always have a car to drive. They spend all their money to have Shaq in their ad, but don't care a single bit about their customers! They just want your payments to clear, they don't care about your claims!

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      Customer ServicePriceRates

      Reviewed June 19, 2025

      I spoke with someone over the phone and he walked me through the whole process and he explained it all and had patience with me. The price was cheaper than any other company. I highly recommend The General.

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      The General Car Insurance Company Information

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