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The General SR-22 Insurance Review

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The General Automobile Insurance Services, Inc. (The General) is a licensed insurance agency that is a subsidiary of PGC Holdings Corp, which is an affiliate of American Family Insurance. The General offers auto insurance for drivers that have had a history of driving violations or accidents, have not kept their insurance in force, or have less than perfect credit.

How is The General rated?


Overall Rating: 0 / 10 (N/A)

The General is well-suited to people who require proof of insurance (SR-22),have poor credit, or a bad driving record, with policies that are backed by its excellent financial strength. The company offers a low down payment option and carry-out electronic verifications of driver and vehicle information. On the downside, the website lacks information regarding available discounts on auto insurance policies.

The General Coverage & Benefits

Coverage & Benefits - 7.6 / 10

The General includes the minimum level of car insurance required to drive legally in your state. In many states, this only means liability insurance, while in others additional coverage like personal injury protection and uninsured motorist insurance are also required. However, unlike many of its competitors, The General does not include information about optional coverage on its website. Customers have to get a quote to find out those details.

Basic Coverage

  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Medical Payments
  • Uninsured/Underinsured Motorist

The General Pricing & Discounts

Pricing & Discounts - 7.7 / 10

The General's rates are specially formulated for high-risk drivers, as a result, they are not necessarily meant to be competitive with major standard insurance companies. The company does offer low down payments, and an online quoting system that is simple and straightforward, but it does not provide information in terms of what level of coverage is being offered, which makes it difficult to compare quotes.


  • Multiple Vehicle

Additional Discounts

  • Full/Automatic Payment

Discounts Fine Print

The double deductible is an optional discount that doubles your deductible for comprehensive and collision insurance, if you purchase it, for the first 45 days of your policy. This discount may not be available in some states. The company also offers help with filling suspension paperwork.

The General Financial Strength

Financial Strength - 8 / 10

The General (an agency) offers auto insurance online underwritten by the following insurance companies: Permanent General Assurance Corporation (NAIC #37648), Permanent General Assurance Corporation of Ohio (NAIC #22906), and The General Automobile Insurance Company, Inc. (NAIC# 13703). These insurance companies have been recognized by A.M. Best for their financial stability with ratings of A ("excellent").

Financial Ratings

AM Best Financial Rating
Company Type
Subsidiary/ Partner
American Family Insurance Group
Year Founded

The General Customer Experience

Customer Experience - 7 / 10

Even though The General has more customer complaints with the NAIC than other companies of similar size, the company holds an excellent 9.3 out of 10 rating with TrustPilot. We also found a few complaints related to claims and billing issues, but, overall, they have good customer feedback.


BBB Rating
Trust Pilot Rating
9.3 out of 10
NAICS Complaint Ratio 2016
NAICS Total Complaints 2016
Date Collected


  • Online Management
  • Mobile App

Company Profile

Full Name
The General SR-22 Insurance
Company Website
2636 Elm Hill Pike, Suite 510, Nashville, TN, 37214

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