Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Aug 17, 2021

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Here's what you need to know...

  • Even though the General’s core market are customers with infractions, they still offer some car insurance discounts
  • High-risk drivers often have a history of driving violations and poor credit
  • The General’s car insurance policy accepts almost any driver regardless of history

The General insurance company specializes in high-risk car insurance for drivers who have experienced infractions which may exclude them from the major car insurance companies.

The General Automobile Insurance Services Inc. was also known as The General. It is a subsidiary of PGC Holdings Corp. (PGC) who has been an underwriter of car insurance for over 40 years.

Through their advertising campaigns, using none other than an Army General as the company brand, The General car insurance emphasizes that they have a car insurance policy for almost any driver regardless of history at very affordable prices.

As always, it’s wise to shop around car insurance companies and get at least three to five car insurance quotes before making a decision.

Enter your zip code above to get FREE car insurance quotes today!

Are there any advantages of The General insurance company?

As a provider of auto insurance for people with DUI convictions, bad credit history, and an accident-ridden driving record, you can imagine how busy they are.

General still outperforms most major car insurance company when it comes to ease of getting a quote.

First, any driver can get an online auto insurance quote fast and anonymous through the company website, and they offer some flexible payment plans with low down payments.

Even though the General’s core market are customers with infractions, they still offer some car insurance discounts, assist with SR-22 filings and provide online customer service all the way down to submitting an insurance claim online.

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Are there any disadvantages of going with The General car insurance?

Since The General’s central demographic market are people who are locked out of traditional favorable car insurance rates, it is common to hear complaints much like those of sub-prime mortgage companies.

The General doesn’t tend to look solely at driver profiles when offering coverage solutions, so it can take a little more effort on the consumer end to work with them. The process might seem rigorous and different, because their requirements aren’t like other insurers. But if you’re a driver who has been affected by an accident or other financial hardships, you may need their help.

What will The General cover?

Even though they have a specific focus, they do still offer types of coverage for their wide customer base. They offer coverage from auto to home, with life and health sprinkled in between. Despite their minimum requirements contrasting what is typically looked at with other companies, they are still a reputable insurer with a number of coverage options. Some people would look down on them for being more accepting of someone without a clean driving record, however The General believes that everyone deserves a chance to drive feeling more confident.

Still, it’s always best to shop around to make sure you have the best fit for yourself. The only way to find the best car insurance company for your situation is to compare all your options and never choose a policy provider solely based on advertising.

Ready to get a car insurance quote? Just enter your zip code below in our FREE comparison tool!


  1. https://www.thegeneral.com/
  2. https://www.geico.com/
  3. https://www.consumer.gov/articles/1009-your-credit-history
  4. https://www.thegeneral.com/car-insurance/basics/cheap-flexible/