Gianetta Palmer is a writer for, copywriter, and essayist. Her work has appeared in, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Sep 28, 2020

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The General is a high-risk car insurance company specializing in providing affordable coverage to people who may not be able to qualify for other types of auto insurance. People with poor credit, a history of accidents or traffic violations and people without car insurance can all receive a policy through The General. Because carrying auto insurance is a necessity for all people, high-risk car insurance companies provide a valuable service to those who cannot obtain coverage through regular means.

History of The General Car Insurance Company

The General is underwritten by PGC Holdings Corp. PGC has been writing insurance policies for its numerous subsidiaries since 1963. In addition to offering high-risk car insurance policies to drivers, The General also offers car insurance for rare, exotic and collector’s cars. Because these vehicles have different policy needs than regular commuter cars, buying auto insurance might be difficult for some people. The General is one company that can provide specialized coverage for these types of autos.

The General has an aggressive advertising campaign, although the ads are often somewhat vague as to the exact details of what the company is and how it operates. Most people are familiar with the company’s mascot, an animated military general, who claims he can save customers both time and money by signing up for coverage online.

In truth, part of the way that The General can keep costs low is by focusing on direct sales. Unlike other companies that rely heavily on local agents to sell policies, The General sells most policies directly to consumers through its website. Claims and customer service are handled primarily over the phone.

Although some people may find this model to be cold and impersonal, direct sales auto insurance companies are on the rise. Employing a smaller staff and operating through the Internet allows a company to save money, which can then translate to low premiums. Focusing on a direct sales model enables The General to offer affordable insurance coverage even to people with poor driving histories or other problems.

The General’s advertising campaign also focuses on the ease and speed of obtaining a policy. Many ads boast that a customer can sign up online and receive proof of insurance almost immediately. For people trying to obtain insurance quickly to purchase a vehicle or complete an SR-22 form, this is a very appealing claim and one The General can truly deliver.

Who Needs High-Risk Car Insurance?

When people are involved in auto accidents, their rates are affected. If the claims are severe or frequent, the insurance company may drop the policy or refuse to renew it. Whenever a policy is canceled, it can become difficult to obtain new insurance. There are several reasons why a person may be dropped by an insurance company or be charged very high rates by a standard insurer:

  • Very bad credit or a history of bankruptcy
  • Previous insurance policy lapse
  • Suspended Drivers License
  • DUI or DWI conviction
  • Multiple traffic violations
  • Multiple car accidents

Whatever the reason, many people may find themselves unable to obtain affordable coverage through a regular insurance company. In these cases, pursuing a high-risk auto policy may be worthwhile. Many companies offer high-risk insurance options, but a company like The General that specializes in this type of insurance can usually afford inexpensive coverage.

How much is car insurance from the General Car Insurance Company?

Car insurance costs are determined not only by a driver’s history and credit score but also his age, geographic location, type of car he drives and more. Because so many factors influence insurance rates, it’s impossible to give a precise figure for how much a car insurance policy might cost. The only way to know for sure how much insurance premiums will be is to obtain a quote from the insurance company. The representative will be able to discuss policy options and come up with a suitable figure to match the needs of any budget.

The cost of a policy will vary depending on the coverage selected. The more an insurance company is expected to pay in the event of a claim, the more insurance premiums will cost to cover these expenses. Therefore, full coverage policies with low deductibles will cost more than those with high deductibles or liability-only policies. The cost of a policy must be balanced carefully against the necessary coverage in order to get the best deal.

The General offers affordable down payments and the option to pay insurance monthly by check, credit card or automatic bank draft. Policies are sold in six and 12 month terms, and The General does provide a discount to drivers who opt to pay the entire cost of the policy up front. Further discounts are available to good drivers and people who carry multiple policies with the company.

The General Car Insurance Company Review: Pros and Cons

Any company as large as The General is bound to receive some mixed reviews. Here are some of the benefits and drawbacks of the company, as reported by customers:


  • Affordable insurance regardless of driving history
  • Quick and easy application approvals
  • Flexible payment programs


  • No agent support, policies are handled through phone communication or online
  • Coverage may not be as good as a mainstream insurance company
  • No ability to bundle coverage for homeowner’s, renter’s or other policy types

Anyone searching for auto insurance should always take the time to obtain several quotes from different companies before deciding on a specific insurer. While The General provides excellent coverage to many people, another company may have better or more cost-effective policies. By getting a free quote online, you can start your search for affordable insurance regardless of your risk factors.