How good is general insurance?


Editorial team Published on

The General Insurance is a good, financially stable choice primarily for high-risk drivers who struggle to find coverage elsewhere. However, it tends to be more expensive and has lower customer satisfaction scores than standard mainstream insurers.

📊 Key Ratings & Performance

  • AM Best Financial Strength: A+ (Superior) – Excellent ability to pay out claims.
  • NAIC Complaint Index: Much higher than average (around 9.22) – Indicates frequent customer complaints regarding billing or service.
  • Average Full-Coverage Cost: Around $215 per month ($2,580/year), which skews higher due to high-risk driver profiles.

✅ The Pros

  • High-Risk Acceptance: Welcomes drivers with accidents, DUIs, gaps in coverage, SR-22 requirements, or poor credit.
  • Financial Stability: Backed by Sentry Insurance, ensuring it will not fold when you file a legitimate claim.
  • Convenient Tech: User-friendly mobile app for digital ID cards, payments, and tracking claims.

⚠️ The Cons

  • Higher Rates: Premiums are typically more expensive than standard non-standard competitors.
  • No Bundling: Focuses strictly on auto insurance; you cannot bundle home or renters policies directly.
  • Customer Service Gaps: Lower scores in claims handling and customer satisfaction compared to industry norms.

💡 Is It Right For You?

  • Good for: Drivers with blemishes on their driving record or bad credit who get denied by traditional carriers.
  • Skip if: You have a clean driving record, as cheaper and better-rated alternatives (like Progressive or GEICO) are readily available.