Your Guide to The General Full Coverage Car Insurance

The General’s full coverage auto insurance is often a practical and affordable option for most drivers—but is it right for you?
Written by Kianna Walpole
Edited by Jessica Barrett
Reviewed by Brice Regling
The General’s full coverage policy covers liability claims, collision-related events, and non-accident damage, such as severe weather or theft and vandalism. Comparing
auto insurance
quotes from several providers can help you determine if The General’s full coverage option is right for you.

Everything included in a full coverage policy with The General

full coverage car insurance
policy can vary somewhat from provider to provider, but generally implies the addition of car insurance coverage types to a policy beyond basic liability coverage.
The General full coverage insurance includes a combination of the following:
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Nearly every state requires a minimum amount of liability coverage, which includes
bodily injury liability
property damage liability
. These options will cover expenses for others’ injuries, vehicle repairs, and property damage if you’re found at fault after an accident.
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Collision coverage covers damages to your own vehicle after a collision with another vehicle or a stationary object.
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Comprehensive coverage pays for your vehicle after a wide range of events beyond collisions, including theft, natural disasters, vandalism, or hitting an animal.
One of the major differences between full coverage and a basic liability insurance policy is that you’re adding protection for your own vehicle, while also being covered for any medical expenses and damages for the other party involved.

What isn’t covered by The General’s full coverage policy?

No full coverage car insurance policy covers absolutely everything. Even after selecting a full coverage policy, there are a few things that The General car insurance’s full coverage option won’t cover.1
For example, if your car is totaled in the first year, breaks down or is disabled, or sustains damages as a result of wear and tear, you’ll need add-on insurance options to help get you back on the road.
With these additional types of insurance, you can round out your car insurance policy and be sure that you’ll be covered in a variety of situations.

The General car insurance add-on options

To help build a more robust full coverage policy, The General provides optional coverages worth considering based on your priorities and driving habits.
  • Underinsured/uninsured motorist coverage
    : After an accident, this covers expenses for you and your passengers, from medical costs to lost wages to vehicle repairs, if another at-fault driver doesn’t have sufficient coverage of their own.
  • Gap coverage
    : Gap insurance covers the difference between the current value of your vehicle and the balance left on your car loan if it becomes totaled.
  • Medical payments coverage (MedPay)
    : MedPay coverage can help cover medical and/or funeral costs if you or a passenger are injured in an accident.
  • Personal injury protection (PIP)
    : Similar to MedPay, PIP coverage helps pay for medical expenses due to an accident, and it’s typically a requirement for The General customers in
    no-fault states
  • Roadside assistance
    : If car troubles have you in a bind, roadside assistance coverage from The General covers towing, battery jumpstarts, fuel delivery, lockout services, and 24-hour road service.
  • Rental reimbursement
    : This type of coverage will pay for the cost of a rental vehicle while yours is being repaired after an accident.
Beyond car insurance, The General offers a number of other insurance products, including commercial auto, health, pet, homeowner, and renters insurance.

The General full coverage policies cost around $2,688 a year

The average cost for The General’s full coverage car insurance policy is around $2,6882 annually or $224 per month. 
While their minimum coverage option is relatively cheaper, at $1,067 to $1,530 a year, a full coverage policy with The General will better protect you and your assets against potential lawsuits and financial losses. 

Does The General offer the best full coverage insurance?

The General’s offerings are relatively comparable to other major providers—but that doesn’t mean it’s the best company for everyone. 
Jerry recently conducted one of the largest nationwide consumer surveys, interviewing 18,000 respondents to get their real opinion on their auto insurance company. Here are the results for The General compared to three other companies of a similar size. 
Overall rating
Cost rating
Customer service rating
The General
Although companies like Travelers and Nationwide have a stronger financial strength rating, The General is competitive in overall rating scores and customer satisfaction. 
Currently, The General holds an A+ rating from the Better Business Bureau (BBB) but does have a higher-than-average complaint rate according to the National Association of Insurance Commissioners (NAIC).
To truly determine if The General is the right option for your full coverage policy, it’s best to
compare car insurance quotes
using an app like
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Using Jerry, drivers can see real auto insurance rates from some of the best car insurance companies in their area.
Compare premiums from The General and other providers, like Progressive, to help you find the right insurer for your profile.
For a driver with a
clean driving record
and good credit score—especially those who drive newer vehicles—a full coverage car insurance policy from The General is likely going to be worth it for the added protection it provides for your own vehicle. 
Still, it’s always a good idea to shop around to make sure you’re getting a good deal.

Is a full coverage policy from The General worth it?

Yes, a full coverage policy from The General is a worthy consideration. Although full coverage options generally come with higher car insurance rates, for most drivers, the financial security a full coverage car insurance policy offers is worth the additional cost.
The General offers some of the lowest average rates on car insurance and specializes in insuring
high-risk drivers
, but other insurance providers offer a wider selection of coverage types.
While The General is a good choice for full coverage car insurance every driver has different auto insurance coverage needs. That’s why it’s a good idea to gather and compare multiple quotes from different providers to increase your odds of getting the best coverage for you at the best price.


Why is The General insurance so cheap?

The General auto insurance company offers cheap rates because they have lower than average operating costs due to limited online customer support. In addition, The General supplies a wide variety of car insurance discounts, helping drivers lower their premiums even further.

What is the difference between full coverage and general coverage?

A liability-only policy will only cover medical expenses and damages for the third party when you’re at fault for an accident. Full coverage options, on the other hand, provide additional protection for your vehicle—and with add-on coverage, can cover any medical bills or replacement costs for you.

What insurance does The General offer?

The General offers full coverage and liability-only car insurance policies, as well as homeowners insurance, renters insurance, commercial insurance, and pet insurance.

Do you really need full coverage?

Not everyone will benefit from a full coverage policy—but most drivers will. Despite the higher insurance costs, a full coverage policy will provide added financial security, and with increased liability limits, can make sure you’re fully protected against potential future claims.

Should you increase your deductible with a full coverage policy?

Increasing your deductible can help lower your premium costs as your insurance provider will be required to pay out less in the event of an accident. But only increase your deductible to a limit you can reasonably afford to pay. 

How can I swap from a liability-only policy to a full coverage policy with The General?

If you’re a current policyholder with The General, you can make changes to your account online through
, in the mobile app, or over the phone with an insurance agent. 

Is there a way to lower my full coverage policy costs with The General?

Yes. To help lower your car insurance costs, make sure to look for car insurance discounts, reshop for insurance frequently, and consider bundling your car and homeowners insurance if both are with The General. 

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