The General Insurance Quote: Full Coverage and SR-22

Independent guide. Not affiliated with The General.

The General insurance quotes are aimed at drivers other insurers may turn down, such as drivers with a lapse in coverage or an SR-22 requirement, and full coverage is available. Here is what a quote from The General includes and how to compare it with other insurers by ZIP.

You'll continue to a partner site to see quotes.

At a glance

Who can buy
Drivers in 46 states and Washington, D.C., including drivers with less-than-perfect credit or driving records (per The General).
How you buy
Online quote in minutes, phone or chat; manage the policy in its app.
Products
Auto, motorcycle, commercial auto, roadside assistance, Mexico travel and life (per its menu).
Underwriter
A member of the Sentry Insurance Group (per thegeneral.com).

By the InsuranceNew.org Editorial Team. Last reviewed: October 8, 2026. How we research carriers

Does The General offer full coverage?

Yes. The General says it offers liability, collision, comprehensive and full coverage, and describes full coverage as comprehensive and collision plus uninsured/underinsured motorist on top of liability (thegeneral.com). If your car is financed or leased, your lender will usually require collision and comprehensive. Compare limits line by line with our sister site's full coverage vs liability guide. The General's definition is broader than most; see how full coverage differs by insurance company.

SR-22 and high-risk drivers

An SR-22 is not insurance but a certificate your insurer files with the state. The General says it performs SR-22 filings in states where it is able to, includes the filing fee in your quote, and includes the SR-22 form with your policy documents (The General SR-22).

The General also says it covers drivers who have been without insurance for six months or more.

Getting and saving a quote

  • The General asks for ZIP Code, age, credit score, marital status, driving record, SR-22 status and your vehicle, then quotes in minutes (quote page).
  • You can save a quote and come back: continue a saved quote (it asks for your ZIP Code, date of birth and email address; other carriers are in our saved-quote guide).
  • In most states The General offers monthly payment plans, and its quote defaults to the lowest plan it offers.
  • All household residents age 14 and older (in most states) and regular drivers must be listed or excluded.

Discounts

The General names discounts such as prior insurance coverage, good credit and multiple cars, depending on eligibility and state. It does not publish percentages on its car insurance page.

Claims

Start a claim online or in The General's app (The General claims). Our sister site has a guide to filing a claim with The General.

Who it suits, and who should look elsewhere

Worth quoting if

  • You need an SR-22 filing with your policy
  • You had a lapse in coverage of six months or more
  • You want a quick online quote with flexible monthly payments

Consider other carriers if

  • You have a clean record and good credit (standard carriers may price you lower; compare)
  • You live in a state where The General does not sell
  • You want published discount amounts before you quote

How The General compares

A qualitative snapshot from each carrier's own website. It does not rank prices; your quote depends on your ZIP Code, vehicle, driving record and coverage choices.

The General compared with similar carriers
CarrierFocusHow you buySR-22 filing
The GeneralHigh-risk and non-standard driversOnline, phone, appYes, where able (per its site)
ProgressiveGeneral publicOnline, phone, independent agentsCheck with Progressive
GEICOGeneral publicOnline, phone, local agentsCheck with GEICO

For GEICO's side of this table, see how GEICO compares.

Ratings and complaints

We link to the independent sources instead of restating scores, because ratings change. Look up The General on the NAIC Consumer Insurance Search (complaint data reported by state regulators) and check its financial strength rating with AM Best (free registration may be required).

Frequently asked questions

These questions cover full coverage, SR-22 filings, saving a quote, where The General is sold, and who underwrites the policy.

Does The General offer full coverage?

Yes. The General says it offers liability, collision, comprehensive, and full coverage, and describes full coverage as comprehensive and collision plus uninsured/underinsured motorist on top of liability. If your car is financed or leased, your lender will usually require collision and comprehensive. The General's definition is broader than the wording most carriers use, so compare the limits line by line.

Does The General do SR-22 filings?

Yes, in states where it is able to. An SR-22 is not insurance but a certificate your insurer files with the state. The General includes the filing fee in your quote and the SR-22 form with your policy documents. It also says it covers drivers who have been without insurance for six months or more.

Can I save a quote from The General?

Yes. You can save a quote online and continue it later on The General's retrieve-quote page, which asks for your ZIP Code, date of birth, and email address. The quote itself asks for ZIP Code, age, credit score, marital status, driving record, SR-22 status, and your vehicle. In most states The General offers monthly payment plans, and its quote defaults to the lowest plan it offers.

In which states is The General available?

The General says you can buy its insurance in 46 states and Washington, D.C., including drivers with less-than-perfect credit or driving records. It does not sell in every state. If you live where it is not sold, compare a quote from a carrier that is.

Who owns The General?

The General says its policies are underwritten by a member of the Sentry Insurance Group, per thegeneral.com. It is a separate company from the other national carriers described on this site. You can look up that underwriting company on the NAIC Consumer Insurance Search for complaint data reported by state regulators.

Compare quotes by ZIP Code

Use the same limits and deductibles for every quote, so the price difference is real. The forms below continue to a partner site, not to The General.

Car insurance quotes

Home insurance quotes

Quick savings tip: The General aims at drivers other insurers may turn down, including a lapse or an SR-22, and it says full coverage is available. Compare the auto and home forms with the same limits and deductibles. The General says it writes in 46 states and Washington, D.C.

Sources

Checked on October 4, 2026. Carrier pages change; the carrier's policy documents and its quote are what count.

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