GM Auto Insurance Review (2024)
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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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 18, 2023
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.
UPDATED: Oct 18, 2023
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.
On This Page
- 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 auto insurance 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.
GMC Auto Insurance Monthly Rates by Make and Model
| GMC Model | Average Full Coverage Rates |
|---|---|
| GMC Yukon XL | $145 |
| GMC Yukon | $150 |
| GMC Terrain | $134 |
| GMC Sierra 3500HD | $163 |
| GMC Sierra 2500HD | $159 |
| GMC Sierra | $146 |
| GMC Canyon | $130 |
| GMC Acadia | $129 |
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 Type | Purpose of Coverage |
|---|---|
| Bodily injury liability | Part of your liability coverage that pays for medical bills if you've injured someone else in an automobile accident |
| Collision | Covers damage to your car after an automobile accident |
| Comprehensive | Covers damage to your car that happens when you're not driving |
| Personal injury protection | Covers medical expenses for you or your passengers after an automobile accident |
| Property damage liability | The other part of liability coverage that covers the cost of any property damage you've caused in an automobile accident |
| Uninsured/underinsured motorist | Covers the costs if you're in an automobile accident caused by a driver with little or no car insurance |
Auto insurance isn’t one size fits all. Learn about the different coverages available and choose only the coverages that you need.
https://youtu.be/3JmQI06kkTw
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 Offered | Average Percentage of Savings | Auto Insurance Companies Offering Discounts |
|---|---|---|
| Low mileage/Low usage discount | Up to 20% | State Farm, Allstate, Travelers, Nationwide, Progressive |
| Defensive driving discount | 10%–15% | State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Farmers |
| Safe driver discount | 10% | State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Liberty Mutual |
| Military and federal employee discount | 8%–15% | Geico, Esurance, USAA |
| Good student discount | 5%–25% | State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Liberty Mutual |
| Senior/Mature driver discount | 5%–10% | Geico, Allstate, Liberty Mutual |
| Homeowner discount | 3% | State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Farmers |
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 Types | Details |
|---|---|
| Affinity discounts | This is meant for members and supporters of GM-approved organizations |
| GM loyalty discount | If all your vehicles are from GM, you get a discount |
| GM/GMAC customer discounts | This 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 discount | If 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 discount | If 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 discount | If you pay your entire premium when you sign up, you are offered a substantial reduction |
| Safe-driver discounts | GM rewards its drivers if they complete recognized defensive driver courses. Motorcycle owners are offered safe-rider discounts |
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/Advantages | Details |
|---|---|
| Collision Repairs Guarantee | GMAC provides a lifetime guarantee on all the collision repairs that are done at their approved repair shops. |
| Guaranteed Claims Service Satisfaction | A 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 Claims | In 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. |
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
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.
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.
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.
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.
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
Can I use my own insurance instead of GM Auto Insurance for my GM vehicle?
While GM Auto Insurance is designed to cater specifically to GM vehicle owners, you may have the option to use your own insurance provider instead. However, it’s essential to review your insurance policy and consult with your insurance provider to ensure that your coverage meets the necessary requirements for your GM vehicle.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
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.