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 October 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 Car 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 |
Insurance companies generally consider older drivers with clean records less risky than teenage drivers.
GM drivers in their 60s pay an estimated $53 to $55 monthly for minimum coverage, hundreds less than teens and drivers in their 20s.
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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 for full coverage, it may be worth comparing GM, especially if you drive a GMC.
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 per month 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 costs less than AAA, Farmers, Allstate, and Liberty Mutual for most driving records shown, but Erie, State Farm, Travelers, Progressive, and Nationwide are cheaper.
Safe drivers with compatible connected vehicles can also get lower GM premiums through telematics savings.
Drivers primarily looking for the lowest rates may prefer another insurer, especially those with violations.
See options where you live and compare different plans and discounts to get lower rates based on your driving record.
Credit Score Impact on GM 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. Shop for quotes online to find coverage that fits your budget.
How GM Auto Insurance Prices Vary Across the Country
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. Learn more about these policies in our guide: Types of Auto Insurance
GM also includes OEM parts coverage for qualifying Buick, Cadillac, Chevrolet, and GMC models. After a covered loss, repairs use original GM parts unless they’re unavailable or you approve another arrangement.
Non-GM vehicles still qualify for GM insurance coverage, but certain policy benefits are designed for specific models.
If your car doesn’t meet GM’s requirements, compare auto insurance rates by make and model to find a policy for your vehicle.
General Motors Car Insurance Protection Plans
General Motors offers several programs that provide support after an accident or help eligible drivers save on coverage.
Available services may help with repairs, replacement vehicles, rentals, and emergency expenses.
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 |
Coverage for custom wheels, spoilers, and other added equipment may also be available. Drivers should confirm their equipment limits before purchasing a policy.
These benefits can be especially useful for GM owners who want repair and claims support designed around their vehicles. However, exact benefits depend on the policy and state.
Eligible drivers can save through usage-based insurance that measures safe-driving habits. GM uses vehicle data through OnStar to calculate personalized savings.
The data considered can include your location and speed, and premiums can fluctuate based on how often you drive.
UBI availability can differ by model and model year. Drivers must also meet the program requirements in their state.
Heidi Mertlich Licensed Insurance Agent
GM UBI is only available for specific GM models and other eligible vehicles with built-in OnStar.
Review the policy terms and General Motors Insurance coverage details to confirm whether your vehicle qualifies for these programs.
List of GM Insurance Discounts
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 GMCs and other vehicles with OnStar 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.
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.
GM Insurance is too small to appear in J.D. Power’s national claims satisfaction rankings, but its A+ AM Best rating indicates a strong 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 |
It also boasts an A- BBB rating and 1.20 NAIC complaint index, pointing to sound business practices and an average customer service experience.
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.
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. Get online quotes to see if local providers offer better service and deals.
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Managing Your General Motors Insurance Policy
Keep your policy number, vehicle information, and declarations page handy when you file a GM car insurance claim, change coverage, or cancel your policy.
Drivers who need instant proof of insurance online should contact GM Insurance to ask whether a digital insurance card is available through their account.
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. Compare quotes now to avoid a lapse in coverage.
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.
The company doesn’t accept digital cancellation requests through email or its website, so drivers cannot cancel GM car insurance online. Review our guide: How to Cancel Auto Insurance
Check for any cancellation fees and whether you can get back any unused premiums. General Motors Insurance may refund all or part of your unused premiums, minus any fees or charges that are still due.
Your total refund, if any, depends on when you cancel, your account balance, and your policy rules. Learn More: Can you cancel an auto insurance claim after filing it?
Start your new policy before ending GM coverage, and get the cancellation date in writing. That prevents an accidental lapse and gives you proof of when the old policy ended.
Daniel Walker Licensed Insurance Agent
If you don’t set up new coverage before you cancel your GM insurance, your future premiums will increase when you go to buy a policy again.
Visit our online insurance marketplace to find affordable coverage before you cancel a GM policy.
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.
GM stands out for OEM parts coverage and connected-vehicle features, but several competitors have lower rates in our comparison. Here’s how five major alternatives compare:
- Allstate Review: Allstate offers customizable coverage and several discounts, but GM has lower rates across several driving records in our comparison.
- Geico Review: Geico may suit drivers seeking competitive rates and an easy online experience, while GM offers more benefits for its models.
- Progressive Review: Progressive has lower rates than GM in our comparison and offers several discounts and its Snapshot driving program.
- State Farm Review: State Farm combines lower rates with a large agent network, making it a stronger option for GM drivers who prefer local support.
- USAA Review: USAA is better for eligible military families, while GM may work better for GM owners outside the military community.
If the lowest rate, a local agent, or military benefits matter more to you, a competitor may be a better choice.
The best auto insurance company comes down to what you’re paying and which benefits you’ll actually use.
Shopping online for coverage before you buy can help you find lower rates and save up to 50% on your policy.
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?
GM Insurance is a good option for drivers with vehicle models that benefit from its OEM coverage. GMCs and other models equipped with OnStar can also benefit from General Motors telematics insurance for additional savings.
What should you expect from GM insurance reviews and consumer reports?
GM Insurance earns high marks from AM Best for financial strength but mixed feedback on customer experience. Drivers love the added protections for GMCs, but many complaints center around rate increases. Use our guide before comparing coverage: How to Evaluate Auto Insurance Quotes
What do OnStar insurance reviews say about coverage and cost?
OnStar Insurance reviews cover the same company as GM Insurance. Reviews highlight solid pricing for GM models, with rates starting at $53 per month, and benefits such as OEM parts coverage. Enter your ZIP code to compare GM with other insurers in your area.
Who underwrites GM Insurance?
GM National Insurance Company underwrites GM Insurance auto policies. You can also confirm this information in General Motors insurance reviews or your policy documents.
How do I file a GM Insurance claim?
You can file a GM Insurance claim by signing in online or calling the accident claims phone number. Have your policy number, accident details, and photos ready. General Motors Insurance customer service can guide you through the process, but claims handling reviews are mixed.
Does GM insurance offer new car replacement coverage?
General Motors new car replacement coverage is available for vehicles less than two years old. If your car is totaled early in the loan or lease, GM may help you replace it with a similar model.
How good is General Motors Insurance customer service?
GM offers online and phone support for billing, policy questions, and claims. Customer experiences vary, so review recent feedback and available support options before buying. Shop around online to find a local provider with better satisfaction ratings.
What is the General Motors customer support phone number for insurance?
The General Motors customer support phone number for insurance is 1-877-558-8352. You can call with questions about coverage, quotes, or claim updates.
What does the GM insurance app help you do?
The GM car insurance app helps you file claims, manage your policy, access ID cards, and track driving behavior for potential discounts through OnStar.
What does the GM insurance Reddit feedback say about policy value?
Reddit users discuss ease of use, digital claims, and safe-driving discounts, especially those with newer GM models. Some drivers also mention concerns about possible rate increases at renewal. Compare rates from multiple insurers with our free quote tool to see which company offers the best value.
What should you know about GMC car insurance before buying?
How much does GMC Sierra 3500HD CC car insurance cost?
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