General Motors (GM) Auto Insurance Review: 2026 Rates & Options
GM vehicle owners pay rates starting at $53 per month. This General Motors auto insurance review explores the OEM parts coverage program and connected-vehicle technology, exclusive to Buick, Cadillac, Chevrolet, and GMC drivers. GM usage-based auto insurance can help safe drivers save up to 25% on coverage.
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Table of Contents
Table of Contents
Insurance and Finance Writer
Laura Gunn is a former teacher who uses her passion for writing and learning to help others make the best decisions regarding finance and insurance. After stepping away from the classroom, Laura used her skills to write across many different industries including insurance, finance, real estate, home improvement, and healthcare. Her experience in various industries has helped develop both her ...
Laura Gunn
Head of Content
Meggan McCain, Head of Content, has been a professional writer and editor for over a decade. She leads the in-house content team at Quote.com. With three years dedicated to the insurance industry, Meggan combines her editorial expertise and passion for writing to help readers better understand complex insurance topics. As a content team manager, Meggan sets the tone for excellence by guiding c...
Meggan McCain
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Brad Larson
Updated September 2026
GM Insurance rates start around $53 per month, with added coverage options and potential savings through General Motors telematics insurance.
- General Motors insurance reviews cover GM-exclusive options only
- Coverage includes custom wheels, spoilers, and body modifications
- Policies are issued by GM and OnStar National Insurance companies
GM National Insurance Company and OnStar National Insurance Company issue GM auto insurance policies.
Eligible drivers can save based on their driving habits, while OEM parts coverage helps ensure qualifying GM vehicles are repaired with original GM parts. Find out which providers rank highest in our guide: Best Auto Insurance Companies That Offer OEM Coverage
General Motors Auto Insurance Rating
| Rating Criteria |  |
|---|---|
| Overall Score | 4.5 |
| Business Reviews | 5.0 |
| Claim Processing | 4.7 |
| Company Reputation | 4.0 |
| Coverage Availability | 5.0 |
| Coverage Value | 4.8 |
| Customer Satisfaction | 2.5 |
| Digital Experience | 4.0 |
| Discounts Available | 4.7 |
| Insurance Cost | 4.5 |
| Plan Personalization | 4.0 |
| Policy Options | 5.0 |
| Savings Potential | 4.5 |
Before reading the complete General Motors auto insurance review, enter your ZIP code to compare affordable quotes and coverage options available in your area.
You may find competitive rates from several providers, including General Motors Insurance if policies are available in your state.
GM Auto Insurance Rate Comparison
The table shows how a driver’s age and gender may affect monthly General Motors car insurance rates.
Younger drivers, especially teenage boys, usually pay the most because they are more likely to file a claim. Estimated rates can reach $362 per month.
General Motors Auto Insurance Monthly Rates by Age & Gender
| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| Female Age 16 | $157 | $336 |
| Male Age 16 | $170 | $362 |
| Female Age 25 | $80 | $175 |
| Male Age 25 | $89 | $187 |
| Female Age 35 | $65 | $144 |
| Male Age 35 | $70 | $153 |
| Female Age 45 | $60 | $135 |
| Male Age 45 | $64 | $142 |
| Female Age 55 | $57 | $129 |
| Male Age 55 | $60 | $135 |
| Female Age 65 | $53 | $120 |
| Male Age 65 | $55 | $123 |
As drivers age, their insurance rates typically decrease. GM drivers in their 60s pay an estimated $53 to $55 monthly for minimum coverage.
Insurance companies generally consider older drivers with clean records less risky than teenage drivers.
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GM Car Insurance Costs for Different Policies
Here is a quick look at GM’s car insurance rates compared with other providers. Erie has the lowest listed costs at $32 monthly for minimum coverage and $84 for full coverage auto insurance.
GM is priced in the middle, with estimated rates of $64 monthly for minimum coverage and $142 for full coverage. State Farm and Progressive also offer relatively affordable rates.
General Motors vs. Competitors: Auto Insurance Monthly Rates by Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
 | $65 | $122 |
 | $87 | $228 |
 | $32 | $84 |
 | $76 | $198 |
| $64 | $142 |
 | $96 | $248 |
 | $63 | $164 |
 | $56 | $150 |
 | $47 | $123 |
 | $53 | $248 |
If you’re paying more than $240 with Liberty Mutual or Travelers, it may be worth comparing GM, especially if you drive a GM vehicle.
Knowing what coverage you need, what you can afford, and how you can save makes it easier to find the right auto insurance. Start comparing local options now with our free online tool.
How Driving History Affects GM Premiums
Your driving record can significantly affect how much you pay for GM auto insurance. Drivers with no recent violations pay an estimated $64 monthly for minimum coverage and $142 for full coverage.
A ticket, accident, or DUI can raise your premiums because each one signals a higher risk of future claims. Learn More: How do auto insurance companies check your driving record?
The bar graph shows how violations affect GM’s minimum coverage rate, with one ticket adding $12 and one accident adding $21 monthly.
A DUI has the greatest impact, raising the estimated monthly rate to $110, which is $46 more than the clean-record rate.
General Motors vs. Competitors: Auto Insurance Monthly Rates by Driving Record
| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $65 | $75 | $85 | $112 |
| $87 | $103 | $116 | $148 |
| $32 | $38 | $43 | $56 |
| $76 | $88 | $101 | $130 |
| $64 | $76 | $85 | $110 |
| $96 | $114 | $129 | $165 |
| $63 | $74 | $84 | $105 |
| $56 | $67 | $76 | $98 |
| $47 | $54 | $60 | $77 |
| $53 | $62 | $71 | $93 |
GM charges less than AAA, Farmers, Allstate, and Liberty Mutual for most driving records shown. However, Erie, State Farm, Travelers, Progressive, and Nationwide offer lower rates.
The comparison shows why keeping a clean record matters when shopping for coverage, since even one violation can increase what you pay each month. A clean record may help keep GM premiums lower, but rates still vary by driver and policy.
A clean driving record generally has no recent tickets, at-fault accidents, or serious violations. Insurers often associate fewer violations with a lower likelihood of future claims. Compare quotes to see whether different plans and discounts can help you get lower rates based on your driving record.
Credit Score Impact on GM Car Insurance Prices
Credit scores can affect auto insurance rates, and drivers with stronger credit generally receive lower monthly premiums.
The table compares General Motors auto insurance rates across several credit levels. Actual prices vary based on personal details, coverage, and state rating rules.
A lower credit score may increase how much you pay for coverage. Improving it over time may help reduce future insurance costs.
Credit is only one part of how GM calculates premiums. Compare quotes online to find coverage that fits your budget.
How GM Auto Insurance Prices Vary by State
The cost of GM insurance can vary greatly depending on where a driver lives. Rates change based on local claims, traffic, insurance laws, weather risks, and repair costs.
Drivers can buy GM Insurance in states where it’s available. Use the map to compare car insurance rates by state.
Drivers who live in areas with more accidents, expensive repairs, or severe weather may pay more for insurance. Rates may be lower in less populated areas.
Rates and coverage options may change as GM expands into new areas. Check out what insurance is available in your area and get a few quotes before you decide.
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What GM Auto Insurance Covers
General Motors Insurance offers standard options such as liability, collision, comprehensive, medical payments, and rental reimbursement. Coverage availability depends on the driver’s state, vehicle, and policy.
GM Insurance combines essential coverage with optional protection for rental cars, roadside emergencies, and custom equipment. Compare each option carefully to avoid paying for protection you do not need.
General Motors Car Insurance Coverage Options
| Coverage Type | |
|---|---|
| Liability | Injuries or damage you cause to others |
| Collision | Damage from crashes with vehicles or objects |
| Comprehensive | Non-crash damage like theft, fire, or weather |
| Uninsured/Underinsured | Costs if the other driver has little or no insurance |
| Medical Payments | Medical bills for you and passengers |
| Personal Injury Protection (PIP) | Medical costs and lost wages, regardless of fault |
| Roadside Assistance | Towing, flat tire, lockout, and jump-start help |
| Rental Reimbursement | Rental car costs while your GM car is repaired |
| Gap Insurance | Pays loan/lease balance if your car is totaled |
| Custom Parts | Covers aftermarket upgrades or accessories |
Drivers can also add gap insurance for new cars and coverage for special equipment. This may cover upgrades like wheels, spoilers, and body modifications.
OEM parts coverage is also included for qualifying GM vehicles, subject to availability and policy terms. This GM-specific benefit may not apply to non-GM vehicles insured by the company.
Both GM and non-GM vehicles may qualify for coverage. However, certain benefits are designed specifically for eligible Chevrolet, Buick, GMC, and Cadillac models.
GM’s website confirms that OEM parts coverage is included for GM vehicles unless parts are unavailable or another arrangement is agreed upon. Learn more about these policy types in our guide: Types of Auto Insurance
General Motors Car Insurance Protection Plans
General Motors offers several programs that can help customers after an accident. Available services may help with repairs, replacement vehicles, rentals, and emergency expenses.
These benefits can be especially useful for GM owners who want repair and claims support designed around their vehicles.
General Motors Auto Insurance Programs
| Programs Name | |
|---|---|
| Collision Repairs Guarantee | GMAC offers lifetime collision repair guarantee |
| Guaranteed Claims Service | Poor service may waive part of deductible |
| SmartInspect® | Ensures proper repair post-claim |
| SmartReplacement® | Helps find totaled car replacement |
| SmartValet® | Provides vehicle pickup, rental, and delivery |
| Unexpected Claims | GMAC covers up to $500 in emergency expenses |
GM’s programs may include repair guarantees, vehicle inspections, replacement help, and rental car coverage. Exact benefits depend on the policy and state.
Coverage for custom wheels, spoilers, and other added equipment may also be available. Drivers should confirm their equipment limits before purchasing a policy.
Eligible drivers can save through a usage-based insurance program that measures safe-driving habits. GM uses data from compatible connected vehicles to calculate personalized savings.
GM’s in-vehicle technology requires an eligible connected vehicle. Availability can differ by model, model year, state, and program requirements.
Safe driving habits and connected-vehicle features may help eligible GM drivers lower their monthly insurance rates.
Heidi Mertlich Licensed Insurance Agent
GM’s usage-based insurance program is only available for specific GM models and other eligible vehicles with built-in OnStar. Drivers must also meet the program requirements in their state.
OnStar uses in-vehicle technology to collect eligible driving data and determine safe-driving savings. The data considered and available features may vary by vehicle, policy, and state.
Review the policy terms and General Motors Insurance coverage details to confirm whether your vehicle qualifies for these programs.
GM Car Insurance Savings
Trying to save on your GM auto insurance? General Motors Insurance offers several ways to lower your rates, including safe-driving, bundling, loyalty, low-mileage, anti-theft, and paperless discounts. Find more savings in our article: Best Auto Insurance Discounts
Eligible safe drivers may save up to 25%, while bundling home and auto coverage may provide up to 20% in additional savings. Available discounts, savings amounts, and eligibility requirements can vary by state.
Auto Insurance Discounts Offered by General Motors
| Discount | |
|---|---|
| Anti-Theft Device | 10% |
| Bundling (Home + Auto) | 20% |
| Defensive Driving | 10% |
| GM Loyalty / OnStar Use | 20% |
| Good Student | 10% |
| Low Mileage | 10% |
| Multi-Vehicle | 15% |
| Paperless Billing | 5% |
| Pay-in-Full | 10% |
| Safe Driver | 25% |
Drivers with eligible connected GM vehicles may also earn savings based on their driving habits. Review the available discounts to see whether GM offers the right balance of coverage and price for you.
Along with potential savings, GM’s customer reviews and financial ratings can help you judge the company’s service, reliability, and overall value.
GM Reputation and Policyholder Feedback
Independent organizations rate General Motors Insurance based on its business practices, customer complaints, and policyholder experiences. These scores can help drivers understand what to expect beyond coverage and monthly rates.
A.M. Best gave GM an A+ rating for its financial strength and ability to pay covered claims. Discover More: Who Are The Reputable Auto Insurance Companies?
General Motors Business Insurance Ratings & Consumer Reviews
| Agency | |
|---|---|
 | Score: A+ Superior Financial Strength |
 | Score: A- Good Business Practices |
 | Score: 1.20 Avg. Complaints |
GM performs well in financial strength, while its A- BBB rating points to generally good business practices. It also has an average number of complaints for an insurer its size.
Online discussions provide another look at how customers feel about the company. In one Reddit post, a GM owner shared their experience after receiving a quote from GM Insurance.
The Reddit post reflects mixed customer feedback about GM Insurance. The driver liked GM’s lower rates, higher coverage, OEM parts protection, and new-model replacement but worried about possible rate increases at renewal.
Overall, GM shows strong financial stability, but customer experiences with its pricing and service may vary based on where you live and the car you drive. Compare quotes online to see if local providers offer better service and deals.
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Managing Your General Motors Insurance Policy
Handling a General Motors car insurance policy means filing claims, changing coverage, and requesting cancellation. Knowing the right steps can help you avoid delays and unexpected changes to your insurance costs.
Policyholders should always have their policy number, vehicle information, supporting documents, and a copy of their insurance declarations page on hand.
Drivers who need instant proof of insurance online should contact GM Insurance to ask whether a digital insurance card is available through their account.
Before you file a claim, change your coverage, or cancel your policy, read the policy terms. Cancellation fees, possible refunds, and start dates may vary by policy and state laws.
Let GM Insurance know about any changes and ask for written proof for your records, such as a copy of your insurance declaration page.
If you want to switch from GM to another provider, it’s important to keep your coverage continuous.
How to Make a General Motors Auto Insurance Claim
Report an accident or loss to GM Insurance as soon as possible. Before filing, gather your policy number, contact information, accident details, photos, and information from the other driver.
You can file online or call 1-877-558-8352. Read our guide on how to file an auto insurance claim or follow these steps:
- Report the Claim: File online or contact the claims team.
- Provide Your Information: Share your policy and contact details.
- Describe What Happened: Explain when, where, and how the incident occurred.
- Send Supporting Evidence: Submit photos, documents, and driver information.
- Speak With the Adjuster: Answer questions and follow the next steps.
An adjuster will review your information, check whether the loss is covered, and explain the next steps. The amount GM pays depends on your policy limits, deductible, and claim details.
Keep copies of any documents, estimates, and messages related to the claim. These records can help if you need to check your claim status or ask questions about the decision.
How to Cancel Your General Motors Auto Insurance
You can cancel your insurance by calling your agent or General Motors Insurance and telling them when you want your coverage to end. Check for any cancellation fees and whether you can get back any unused premiums.
Also, set up new coverage before you cancel your GM insurance to avoid a coverage gap that could affect your future premiums. Review our guide: How to Cancel Auto Insurance
Your refund depends on when you cancel, your account balance, and your policy rules.
General Motors Insurance may refund all or part of your unused premiums, minus any fees or charges that are still due.
To make sure you have replacement coverage before you cancel your GM car insurance, get written confirmation of the date you want to cancel. This will make sure that your coverage doesn't stop without notice.
Daniel Walker Licensed Insurance Agent
Before you cancel, make sure you know how much you’ll get back and when your coverage will end.
Get proof in writing and keep a copy with your insurance papers. Learn More: Can You Cancel An Auto Insurance Claim After Filing It?
Find Cheap Coverage With General Motors Car Insurance
General Motors Insurance can be a good fit if you own a GM vehicle and want coverage that works with your car. Rates can drop to $53 per month for older drivers.
Chevrolet, Buick, GMC, and Cadillac owners may also get OEM parts coverage, which can help pay for original GM parts after a covered accident. Eligible drivers can also use their vehicle’s connected technology to earn savings for safe driving.
General Motors also offers other helpful options, like gap insurance, coverage for custom equipment, repair guarantees, replacement help, and rental car coverage.
Still, GM won’t be the best fit for everyone. Other companies may offer lower rates or benefits that work better for you. Here’s how five of GM’s major competitors compare:
- Allstate: Allstate offers customizable coverage and several discounts, but GM has lower rates across several driving records in our comparison. See the Full Review: Allstate Auto Insurance Review.
- Geico: Our review of Geico auto insurance shows that Geico may be better for drivers looking for competitive rates and an easy online experience, while GM offers more benefits for eligible GM vehicles.
- Progressive: Progressive has lower rates than GM in our comparison and offers several discounts and its Snapshot driving program. GM may be a better fit for eligible GM owners who want benefits made for their vehicles. Get the Details: Progressive Auto Insurance Review.
- State Farm: Our review of State Farm auto insurance shows the company combines lower rates with a large agent network, making it a stronger option for GM drivers who prefer local support.
- USAA: USAA is a better choice for eligible military members and their families because of its military-focused coverage and member benefits. GM is available to drivers outside the military community and may be a better fit for eligible GM owners. Find Out More: USAA Auto Insurance Review.
GM may make the most sense for Chevrolet, Buick, GMC, and Cadillac owners who can use its added vehicle benefits and connected technology.
If getting the lowest rate, having a local agent, or getting military benefits matters more to you, one of its competitors may be a better choice.
The best choice comes down to what you’re paying and which benefits you’ll actually use. Comparing quotes can help you find lower rates and save up to 50% on coverage while showing whether GM is worth the price.
Compare car insurance quotes to find affordable coverage in your area and see how much you could save.
Frequently Asked Questions
Is GM Insurance a good option for car insurance?
It may suit safe drivers, especially GM owners who can use General Motors telematics insurance and may qualify for General Motors Insurance discounts. Compare General Motors auto insurance costs with other quotes, since prices and availability vary by state.
What should you expect from GM insurance reviews and consumer reports?
You’ll find that GM insurance reviews earn high marks for financial strength but mixed feedback on customer experience, with monthly rates starting around $53. Understand how to evaluate auto insurance quotes before choosing coverage.
What do OnStar insurance reviews say about coverage and cost?
You’ll see OnStar insurance reviews highlighting solid pricing for GM vehicles, with standout features like OEM parts coverage and monthly rates ranging from $64 monthly for minimum coverage and $142 for full coverage.
You can get a GM insurance quote online by entering your ZIP code and vehicle details in our quote tool today.
Who underwrites GM Insurance?
GM National Insurance Company underwrites its auto policies. You can confirm this detail in GM Insurance reviews or any GM auto insurance review.
How good is General Motors Insurance customer service?
General Motors Insurance provides convenient online and phone help for billing, policy questions, and claims, although experiences can vary. Check the latest GM Insurance customer support options and General Motors Insurance support hours, since availability may change.
How do I file a GM Insurance claim?
Sign in online or call the claims number on your policy card. Have your policy number, accident details, and photos ready.
General Motors Insurance customer service can guide you through GM Insurance accident claims and explain General Motors claims handling.
Does GM insurance offer new car replacement coverage?
Yes, if your GM vehicle is totaled early in the loan or lease, GM helps you replace it with a similar model. Learn more about General Motors new car replacement coverage rates by entering your ZIP code in our free quote tool.
What is the General Motors customer support phone number for insurance?
You can reach GM insurance claims or policy support by calling 1-877-558-8352. This number is available for questions about coverage, quotes, or claim updates. Find out how a comprehensive auto insurance claim affects your rates.
What does the GM insurance app help you do?
The GM insurance app lets you file claims, manage your policy, access ID cards, and track driving behavior through GM’s in-vehicle technology for potential discounts.
What does the GM insurance Reddit feedback say about policy value?
You’ll find GM insurance Reddit threads discussing ease of use, digital claims, and safe-driving discounts, especially for owners of newer GM models. Compare rates from multiple insurers with our free quote tool to see which company offers the best value.
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