GM Auto Insurance Review (2021)

Our GM auto insurance review will go over everything. GM auto insurance is provided by National General auto insurance. As of July 2020, General Motors auto insurance (National General) was bought by Allstate. Although National General has been in business for more than 70 years and promises savings of up to $37/mo, GM auto insurance is moving assets to Allstate. To make sure GM insurance company is right for you, compare GM auto insurance rates with other quotes to find the best rates.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Written by Mathew B. Sims
Editor-in-Chief Mathew B. Sims

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Feb 1, 2021

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember...

  • General Motors (GM) auto insurance is one of the leading companies in the world.
  • GMAC Insurance is a leader in the insurance industry and has earned an A- rating from A.M. Best.
  • Standard bearers in the auto insurance industry, GM provides different kinds of insurance and very competitive discounts.

General Motors (GM) auto insurance is one of the leading companies. They provide a wide range of insurance policies for drivers to choose from. This GM auto insurance review will help you get decide if the company’s quotes are a good fit for you.

The GMAC Insurance Group is now known as National General Insurance. We’ll refer to it as GM Insurance in this National General auto insurance review. The company has been providing cheap auto insurance for over 70 years and claim drivers who switch can save up to $442 per year.

In July of 2020, Allstate reached a deal to buy National General for $4 billion.

Affordable GM auto insurance quotes may be available to you, but you should always shop around. Before reading more about GM auto insurance, enter your ZIP code to see multiple options for affordable auto insurance quotes. You may even be able to get a quote from General Motors.

GM Auto Insurance (National General Auto Insurance)

GM started in Flint, Michigan in the early 1900s as part of the Buick company.

Although the company filed bankruptcy in 2009 and had to discontinue some of the vehicle models, the company received help from the government and is still going today.

GM auto insurance, now National General Insurance, has recently been bought by Allstate and will do business under the Allstate umbrella.

What are GM auto insurance rates by popular make and model?

While the price isn’t always the deciding factor for choosing an auto insurance policy, it’s usually one of the most important.

The table below gives an idea of what you might pay for a popular GM make and model.

GM Auto Insurance Rates by Popular Makes and Models
VehicleAverage Monthly Auto Insurance RatesAverage Annual Auto Insurance Rates
Chevrolet Silverado$160$1,920
GMC Sierra 1500$68$816
Buick Encore$238$2,856
Chevrolet Cruze$238$2,856
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These are just guidelines. Actual rates will depend on various factors, such as age, driving history, and ZIP code. According to the National Association of Insurance Commissioners (NAIC), the main rating factors for auto insurance are:

  • Location
  • Age
  • Gender
  • Marital status
  • Driving experience
  • Driving record
  • Claims history
  • Credit history
  • Previous insurance coverage
  • Vehicle type
  • Vehicle use
  • Miles driven
  • Coverages and deductibles

As you can see, many factors go into determining your auto insurance rate.

What is GM auto insurance availability by state?

GM Insurance provides coverage throughout the United States. You can use their online search tool to find a local agent. The National General Insurance phone number at 1-888-293-5108 can point you in the right direction.

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GM Auto Insurance Coverages Offered

Is driving without insurance ever okay? All states require their drivers to carry some amount of auto insurance or provide substantial proof of paying for expenses in case of an accident.

According to the Consumer Financial Protection Bureau, your loan company may require you to carry full coverage insurance if you’re financing your vehicle. Otherwise, you’ll need at least the minimum amount of liability insurance required by the auto insurance laws in your state of residence.

The table below shows different types of policies and coverage available to you, along with what they do.

Types of Auto Insurance Coverage
Auto Coverage TypePurpose of Coverage
Bodily injury liabilityPart of your liability coverage that pays for medical bills if you've injured someone else in an automobile accident
CollisionCovers damage to your car after an automobile accident
ComprehensiveCovers damage to your car that happens when you're not driving
Personal injury protectionCovers medical expenses for you or your passengers after an automobile accident
Property damage liabilityThe other part of liability coverage that covers the cost of any property damage you've caused in an automobile accident
Uninsured/underinsured motoristCovers the costs if you're in an automobile accident caused by a driver with little or no car insurance
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Auto insurance isn’t one size fits all. Learn about the different coverages available and choose only the coverages that you need.

Keep reading to learn more about GM insurance.

What is GM’s OnStar insurance?

GM’s new insurance agency, Onstar Insurance Services, will offer the Onstar insurance.

OnStar auto insurance will be available for drivers who use the OnStar service, and they will be able to receive special discounts and other services.

What are GM’s bundling options?

Many auto insurance providers offer different bundling options. Bundling your insurance refers to purchasing multiple policies from the same company.

For example, you can purchase your auto insurance policy and your life insurance from the same company if you choose. Most insurance companies offer a discount of anywhere from 5 percent to 25 percent if you choose to bundle.

Many companies offer multi-vehicle discounts as well. You can think of this as a way of bundling, but in this case, you’re buying insurance for multiple vehicles.

Auto insurance companies offer up to a 25 percent multi-vehicle discount on combined policies. Although National General health insurance was previously available, it can no longer be bundled.

What discounts are offered by GM through National General?

Generally, your auto insurance discount options depend on what the company has to offer. Car insurance discounts are standard throughout the industry.

The table below shows some of the most common auto insurance discounts available. Also, it shows an estimate of how much money each can save you and the major auto insurance companies that offer the discount.

Standard Auto Insurance Discounts Offered by Major Companies
Discounts OfferedAverage Percentage
of Savings
Auto Insurance Companies Offering
Low mileage/Low usage discountUp to 20%State Farm, Allstate, Travelers, Nationwide, Progressive
Defensive driving discount10%–15%State Farm, GEICO, Allstate, Travelers, Nationwide, Progressive, Farmers
Safe driver discount10%State Farm, GEICO, Allstate, Travelers, Nationwide, Progressive, Liberty Mutual
Military and federal employee discount8%–15%GEICO, Esurance, USAA
Good student discount5%–25%State Farm, GEICO, Allstate, Travelers, Nationwide, Progressive, Liberty Mutual
Senior/Mature driver discount 5%–10%GEICO, Allstate, Liberty Mutual
Homeowner discount3% State Farm, GEICO, Allstate, Travelers, Nationwide, Progressive, Farmers
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GM provides a range of SmartDiscounts. Some of the most popular options are shown in the table below:

GM Auto Insurance SmartDiscounts
GM Auto Insurance SmartDiscount TypesDetails
Affinity discountsThis is meant for members and supporters of GM-approved organizations
GM loyalty discountIf all your vehicles are from GM, you get a discount
GM/GMAC customer discountsThis rewards customers for using GM/GMAC products and services such as driving a GM car, getting a mortgage or auto financing from General Motors Acceptance Corporation (GMAC) or having an active On-Star subscription
Low mileage discountIf you have OnStar and drive less than 15,000 miles a year, you have the possibility of saving up to 54 percent on your policy
Multi-vehicle discountIf your household has multiple vehicles, insuring all of them with GM will save you money. Combine your auto and RV insurance and you can save up to 20 percent on your insurance bill
Paid-in-full discountIf you pay your entire premium when you sign up, you are offered a substantial reduction
Safe-driver discountsGM rewards its drivers if they complete recognized defensive driver courses. Motorcycle owners are offered safe-rider discounts
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National General Insurance military discounts are also available and don’t forget to ask about the GM retiree auto insurance discount.

As you can see, it’s always a good idea to check with your auto insurance provider to see what discounts you can receive. To reach out to GM, use the GM Financial auto insurance address: 17785 Center Ct Dr. N Suite 200, Cerritos, CA 90703

What programs are available from GM?

GMAC Insurance has created a range of services that provide peace of mind, convenience, and flexibility to its customers. These services are designed to make things run a bit smoother when you do have an accident or need to file a claim for some reason.

The most popular of GM’s programs are outlined in the table below:

GM Auto Insurance Programs
GM Auto Insurance Programs/AdvantagesDetails
Collision Repairs GuaranteeGMAC provides a lifetime guarantee on all the collision repairs that are done at their approved repair shops.
Guaranteed Claims Service SatisfactionA lack of good service will result in waiving a part of your deductible, up to $250. You also have 24-hour claims reporting.
SmartInspect®SmartInspect®  allows customers to request an inspection following a repair after an approved claim so as to ensure that the car has been completely fixed.
SmartReplacement®SmartReplacement® will help find a replacement car if your car has been deemed totaled in an accident.
SmartValet®SmartValet® is a registered GMAC Insurance service that picks up your damaged vehicle after you make a claim, provides you with a rental vehicle for the duration of the repairs, and delivers your repaired car back to you.
Unexpected ClaimsIn the case of an unexpected claim, the company will cover up to $500 in emergency expenses such as food and lodging. If your claim is the result of theft then GMAC Insurance offers a reward of up to $500 for information that leads to the conviction of your car’s thieves.
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GMAC Insurance also allows you to add coverage for specialized equipment and accessories such as custom wheels, spoilers, and body alterations. General Motors’ health insurance information can also be found on the company’s website.


Canceling Your GM Auto Insurance (National General) Policy

What should you do if you need to cancel your policy? Is there a fee to cancel and can you cancel at any time?

Keep reading to learn more.

Does GM Auto Insurance have a cancellation fee?

Some customers have reported a National General insurance cancellation fee. Ask before you cancel.

Can I get a refund from GM Auto Insurance after I cancel?

Whether you can get a refund on your policy depends on the type of policy and when you choose to cancel. If you choose to cancel a refundable policy, you’ll receive half of what you paid. This applies if you canceled in the middle of the policy term.

Since refund amounts may vary and depend on various factors, you should always check with your insurance agent to see what factors apply to you.

How do you cancel your GM auto insurance policy?

You can cancel your policy at any time simply by contacting your insurance agent and letting them know that you’d like to cancel your policy. Your agent will let you know when the changes will take effect and whether you’re entitled to a refund of any policy rates you’ve paid in.

How to Make a GM Auto Insurance (National General) Claim

What should you do if you need to file an insurance claim? You can file National General Insurance claims directly online through their website or by phone on the National General auto insurance phone number: 1-800-468-3466.

Keep reading to learn more.

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GM Auto Insurance (National General) Ratings

General Motors Acceptance Corporation (GMAC) is the financial services arm of General Motors (GM). Established in 1919, GMAC Insurance is a leader in the insurance industry and has earned an A- rating from A.M. Best.

GMAC Insurance is an underwriter in the auto insurance market. The company has over 14,000 independent agencies in the United States and a substantial presence worldwide.

The company specializes in various kinds of insurance products for personal and commercial vehicles and motorcycle insurance policies. It’s a leader in providing world-class insurance discounts and services.

If you are looking for ratings or reviews online, be sure to also check under National Car Insurance or National Automotive Insurance.

GM Auto Insurance Review: The Bottom Line

Now that you know everything you need to know about GM auto insurance, otherwise known as National General, we hope you’ll feel more confident in purchasing your policy.

Which part of this guide was the most helpful for you? Before you buy GM auto insurance, compare your options. Just enter your ZIP code to compare affordable auto insurance rates right now. You may even be able to get a GM quote.

Frequently Asked Questions: GM Auto Insurance Review

In this section, we answer some of the most commonly asked questions about GM auto insurance policies. Some of the answers may have been covered in part or in full in the guide above.

#1 – Does GM Insurance offer SR-22 insurance?

If you’ve had traffic citations, automobile accidents, and/or auto insurance claims, you may be considered a high-risk driver. Normally, high-risk drivers are required to purchase SR-22 insurance, which isn’t available through all companies, so it may take some looking around to find coverage.

GM Insurance does provide SR-22 insurance, but it can be expensive. The filing fee to get SR-22 insurance is only $15 to $35. The increase in rates for SR-22 insurance when compared to rates for drivers without any driving violations on their records is steep.

Rate increases for driving violations that result in a driver being forced to carry SR-22 insurance can be as much as $541 a month.

#2 – What kinds of questions should I be prepared for when purchasing my auto insurance policy?

When you apply for an auto insurance policy, you’ll be asked a series of demographic questions such as your name, age, and sex. You’ll also be asked a variety of other questions aimed at assessing your risk as a driver.

Auto insurance companies will want to know about are your driving record, the type of vehicle you’re insuring, and whether you’ve had any tickets or accidents in the past.

Once this information is collected, the insurance company uses data to assess your risk as a driver and determine your policy rates.

This is known as the underwriting process. By using this risk evaluation method, auto insurance companies can reduce their chances of losing money on issued policies. They’ll examine your risk factors and decide if they want to insure you, and if so, at what rate.

#3 – Are there benefits to using an agent to purchase auto insurance?

While it’s possible to buy your auto insurance policy directly instead of through an agent, this method has some possible downsides.

If you choose to go with a local agent, you’ll get the advantage of more personalized service. This experience is just not possible when you purchase directly from a large company. With a local agent, you may speak to the same person about your policy every time.

Many people believe that buying directly from the company can save them money by cutting out the figurative “middleman.” This theory fails to take into account the large budget that these companies use for direct marketing.

This will level the playing field when it comes to price. A local agent can often offer you the same prices you’d see when buying directly from a large insurance company.

#4 – How does adding drivers to my auto insurance policy affect my rates?

Adding another driver to your auto insurance policy means that your automobile will be spending more time on the road. Since a second person will be driving it, auto insurance companies will raise your rates.

For example, adding a teenager to your policy can raise your auto insurance rates since teenage drivers are inexperienced, high-risk drivers.

There are restrictions as to who you can add to your auto insurance policy. Most companies will only allow you to add people in the same household. Always check with your auto insurance provider to see who you can add to ensure that whoever is driving your vehicle is covered on the policy.

#5 – Why would my provider cancel my auto insurance policy?

Your auto insurance provider may cancel your policy if you do any of the following:

  • Get your driver’s license suspended or revoked
  • Lie during the application process
  • Fail to pay your auto insurance payments

Your auto insurance company may also choose not to renew your policy if they determine you to be a high-risk driver.

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