GM Auto Insurance Review (2024)

What You Should Know About GM Auto Insurance

GM started in Flint, Michigan in the early 1900s. Although the company filed for bankruptcy in 2009 and had to discontinue some of the vehicle models, the company received help from the government and is still going strong today.

GM auto insurance had been underwritten by subsidiaries of American Family and known as OnStar Insurance. GM dropped American Family in 2023 and OnStar Insurance policies are now underwritten and issued by OnStar National Insurance Company and GM National Insurance Company. GM also offers home insurance policies sold through OnStar Insurance Services, Inc.

In early 2024, GM Financial announced OnStar Insurance will be renamed General Motors Insurance. OnStar insurance is currently available only in Arizona, Illinois, and Texas, but additional states are coming soon, such as Indiana, Ohio, and Pennsylvania.

GM Auto Insurance Coverage Options

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.

Owners of Buick, Cadillac, Chevrolet, and GMC models that are model ear 2016 or newer can opt for usage-based car insurance and potentially get the best rate, as GM can use technology (telematics) already working in those connected vehicles to personalize a premium which is based on driving behaviors.

For those with an older GM vehicle or a non-GM vehicle, GM offers traditional auto insurance coverage.

Programs Available From GM

OnStar 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:

OnStar Insurance also allows you to add coverage for specialized equipment and accessories such as custom wheels, spoilers, and body alterations.

How to Make a GM Auto Insurance Claim

What should you do if you need to file an insurance claim? You can file insurance claims directly online through your account or call 1-877-558-8352.

How to Cancel Your GM Auto Insurance

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

You can cancel your policy at any time by contacting your insurance agent and letting them know that you’d like to cancel it. 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.

GM Auto Insurance Cancellation Fee

Some customers have reported an insurance cancellation fee. Ask before you cancel.

Refund From GM Auto Insurance After Cancellation

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 cancel 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.

 

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GM Auto Insurance Rates Breakdown

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.

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.

GM Auto Insurance Discounts Available

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.

GM provides a range of SmartDiscounts. Some of the most popular options are shown in the table below:

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, send a text under MyAccount or call 888-495-4674 for Arizona, Illinois, and Texas residents, and 833-430-0184 for residents of all other states.

How GM Auto Insurance Ranks Among Providers

GM auto insurance competes with several prominent auto insurance providers in the market. Some of its main competitors include:

• Allstate: Allstate is one of the largest publicly held personal lines insurers in the United States. It offers a wide range of insurance products, including auto insurance, with customizable coverage options and various discounts for policyholders. Learn more in our Allstate auto insurance review.
• Geico: Geico, owned by Berkshire Hathaway, is another major player in the auto insurance industry. Known for its catchy advertising campaigns and direct-to-consumer model, GEICO offers competitive rates and a variety of coverage options, along with a user-friendly online experience. See our Geico auto insurance review.
• Progressive: Progressive is a well-known auto insurance company that offers innovative features such as Snapshot, which tracks driving habits to potentially lower premiums. It provides a range of coverage options and discounts, along with a strong emphasis on technology and customer service. Find out more in our Progressive auto insurance review.
• State Farm: State Farm is one of the largest auto insurance providers in the United States, known for its extensive network of agents and competitive rates. It offers a wide range of coverage options and discounts to policyholders. Check out our State Farm auto insurance review.
• USAA: USAA primarily serves military members and their families, offering auto insurance along with a suite of financial products and services. Known for its excellent customer service and member benefits, USAA competes with GM Auto Insurance by providing tailored coverage options for military personnel. Details are available in our USAA auto insurance review.

These competitors, among others, vie for market share by offering competitive rates, diverse coverage options, innovative features, and strong customer service to attract and retain policyholders. While each company has its strengths and weaknesses, the competition in the auto insurance industry ultimately benefits consumers by providing a variety of choices to meet their insurance needs.

GM Auto Insurance Customer Reviews

Customer reviews of GM auto insurance are overwhelmingly positive, highlighting:

• Efficient claims processing
• Responsive customer service
• Competitive rates compared to other insurers

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 GM auto insurance quotes.

Frequently Asked Questions

Does General Motors have auto insurance?

Yes, GM auto insurance is currently available under OnStar Insurance.

What instance does General Motors offer?

General Motors currently offers auto insurance and home insurance through OnStar Insurance.

Who does General Motors own?

General Motors brands include Buick, Cadillac, Chevrolet, and GMC.

What is the best auto insurance under GM auto insurance?

Owners of GM-branded vehicles can get exclusive discounts and programs OnStar Insurance, which aren’t available to drivers of non-GM vehicles.

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.

Does GM auto 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 auto 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 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 a driver to car insurance 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

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