The General Insurance Quotes

The General Insurance specializes in affordable SR-22 and high-risk auto insurance for drivers who need fast, reliable coverage without the hassle. Whether you’re facing an SR-22 requirement, have prior violations, or simply want a no-frills policy that meets state minimums, The General quotes are built for you. Their streamlined online system and flexible payment plans help make coverage accessible for every driver, even if your insurance history isn’t perfect.

Reader insight: One Phoenix customer reported saving 28% on liability after switching from a local carrier. Even with a recent speeding ticket, they found The General offered the lowest down payment and instant proof of insurance. Want to see how The General’s unique features stack up? Explore our in-depth review of The General's insurance benefits to learn more about what sets them apart from other providers.

Compare Quotes from The General

Select your insurance type, enter your ZIP code, and see real-time prices in under two minutes. Adjust deductibles, add roadside assistance, and instantly apply discounts until your plan matches your budget.

Auto Insurance by The General

Compare auto rates, customize coverage, and file your SR-22 with zero paperwork.

Drivers with DUIs, at-fault accidents, or lapses in prior coverage often see rates 15% lower than traditional carriers. The General’s quote tool shows you exactly how your driving record and ZIP code impact your premium.

Home Insurance from The General

Protect your home for less — bundle with auto and get a multi-policy discount.

Bundle your auto and home with The General for extra savings. You’ll get one simple bill and an additional 10% off most plans.

What Impacts Your Rate With The General?

Several key factors shape your premium, including your ZIP code, driving record, type of vehicle, and prior insurance history. High-risk drivers, such as those with a DUI or a lapse in coverage, often face higher base rates. However, The General auto insurance is known for offering more flexible options — like accepting non-owner policies or providing SR-22 filings with no judgment.

Your payment plan also makes a difference: choosing bi-weekly or monthly payments can make insurance more accessible, while paying in full often unlocks an extra discount. Installing safety features or taking a defensive driving course can also help offset high-risk surcharges.

Step-by-Step: How to Get Your SR-22 Online

Step 1: Start by choosing "Auto Insurance" and entering your ZIP code above.
Step 2: Answer a few questions about your driving history, car, and any prior coverage.
Step 3: The General will show you all available coverage options. If you need an SR-22, simply select that option — the company files it electronically for you, usually within hours.

After payment, you’ll get instant digital proof and your SR-22 certificate by email. Most drivers can complete this process in under ten minutes without any phone calls or paperwork.

Coverage and Discounts Tailored for High-Risk Drivers

The General offers several add-ons specifically for high-risk needs. You can get: Instant SR-22 filings (required by most states after certain violations), non-owner policies for drivers without their own car, and rental reimbursement for staying on the road if your car is in the shop. Extra protection for custom equipment and aftermarket upgrades is also available.

The more discounts you combine, the better your rate: safe driving, completing a defensive driving course, and opting into Auto-Pay can all reduce your premium. Most customers report at least three discounts stacking together for extra savings.

Myths About High-Risk Auto Insurance

Not all SR-22 or high-risk policies are overpriced. While rates can be higher after a DUI or multiple violations, shopping around and taking advantage of discounts often narrows the gap. Another common myth: getting denied once means you’re out of options forever — in reality, The General specializes in giving second chances.

Finally, high-risk coverage does not mean poor service. With The General, you get 24/7 digital ID cards, real-time claims support, and instant updates through their mobile app. If you want a deeper breakdown of plan types and what’s included, check out our guide to understanding The General insurance policies for full details.

How The General Stacks Up

In a recent comparison, The General quote averaged $92/month for a high-risk SR-22 policy in three states. That’s 11% lower than Good2Go and competitive with Progressive in many ZIP codes. For those with a clean record, check our top-rated insurers for potentially even lower rates.

For home coverage, compare home insurance rates by ZIP to make sure your total bundle is among the best in your area.

FAQ – The General Insurance

Can I get coverage with a bad driving record?
Yes. The General welcomes drivers with recent violations, DUIs, or a gap in prior coverage.

How quickly can I get proof of insurance or an SR-22?
Most policies activate the same day and you’ll receive instant digital proof by email, often within minutes.

Are there discounts for high-risk drivers?
Absolutely — bundle auto and home, maintain safe driving habits, pay in full, install safety devices, and sign up for Auto-Pay to reduce costs.

Can I get The General SR-22 without a down payment?
Yes, flexible payment options are available, so you can often start a policy with minimal upfront cost.

Compare The General With Other Providers

Not sure if The General is the best fit? Compare Allstate quotes and GEICO rates for high-risk drivers in your ZIP. Each insurer weighs tickets and claims differently, so shopping around can reveal surprising savings.