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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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 exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 8, 2020

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Things to Remember...

  • General Motors (GM) auto insurance is one of the leading companies in the world
  • GMAC Insurance is known to be 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 guide will help you to get GM auto insurance quotes.

The GMAC Insurance Group is now known as National General Insurance, but it will be referred to as GM Insurance in this National General auto insurance review. The company has been providing auto insurance for over 70 years. Additionally, the company claims that 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.

Besides exceptional customer service and quick claim processing, GM insurance offers products such as SmartServices and SmartDiscounts to its customers.

Looking for cheap auto insurance quotes? Before reading more about GM car insurance quotes, enter your ZIP code to see multiple options for free right now.

GM Auto Insurance Rates by Popular Make and Model

While the price isn’t always the deciding factor when it comes to 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 Car Insurance Rates by Popular Makes and Models
CarMonthly RatesYearly Rates
Chevrolet Silverado$160.00$1,920.00
GMC Sierra 1500$68.00$816.00
Buick Encore$238.00$2,856.00
Chevrolet Cruze$238.00$2,856.00
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These are just guidelines. Actual rates will depend on a variety of 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, there are many factors that go into determining your auto insurance rate.

What is GM availability by state?

GM Insurance provides coverage throughout the U.S. 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 being able to pay for expenses in case of an accident.

If you’re financing your vehicle, your loan company may require you to carry full coverage insurance. 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 some of the different types of policies and coverage available to you, along with what they do.

Types of Auto Insurance Coverage
Auto Insurance 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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You can also watch the following video to learn about the different types of insurance policies available to you.

Keep reading to learn more about GM insurance.

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 as well as 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.

Check out the video below to learn about the pros and cons of bundling your insurance policies.

Many companies offer multi-car discounts as well. You can think of this as a way of bundling, but in this case, you’re buying insurance for multiple cars. Auto insurance companies offer up to a 25 percent multi-car discount on combined policies. Although National General health insurance was previously available, it can no longer be bundled.

What discounts are offered by GM?

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

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

Standard Auto Insurance Discounts Offered by Major Companies
Discounts OfferedAverage Percentage
of Savings
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.

As you can see, it’s always a good idea to check with your insurance provider to see what discounts you qualify for as they can save you a lot of money on your insurance.

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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 Policy

What should you do if you need to cancel your policy? You can watch the video below to get an idea of what to expect should you need to cancel your auto insurance policy.

Keep reading to learn more.

Is there a cancellation fee?

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

Is there a refund?

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 in the middle of the policy cycle, you’ll receive roughly half of what you paid, assuming that you only paid for that cycle.

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

How do you cancel?

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 premiums you’ve paid in.

How to Make a GM Auto Insurance 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.

Watch the video below to get some tips on what to expect if you need to file an auto insurance claim.

Keep reading to learn more.

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GM: Auto Insurance Ratings

General Motors Acceptance Corporation (GMAC) is the financial services arm of General Motors (GM). Established in 1919, GMAC Insurance is known to be 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 as well as 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 Nation Car Insurance or National Automotive Insurance.

GM Auto Insurance: The Bottom Line

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

Which part of this guide was the most helpful for you? Now that you know all about GM auto insurance, enter your ZIP code below and start comparing rates right now.

Frequently Asked Questions: GM Auto Insurance

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 more than your fair share of 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–$35, but 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.

Some of the things the insurance company 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 this data to assess your risk as a driver and determine your policy rates.

This is known as the underwriting process. By using this method of risk evaluation, 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 car insurance policy directly instead of through an agent, there are some possible downsides to this method.

First of all, if you choose to go with a local agent, you’ll get the advantage of a more personalized service. This experience is just not possible when you purchase directly from a large company. With a local agent, it’s possible that 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,” but this theory fails to take into account the large budget that these companies use for direct marketing. This can even out the playing field when it comes to price, meaning that 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 insurance policy affect my rates?

Adding another driver to your auto insurance policy means that your car will be spending more time on the road since a second person will be driving it. That alone is enough to raise your rates, but adding someone else to your auto insurance policy also means that your rates will be affected by that driver’s perceived risk as well.

For example, adding a teenager to your policy can raise your auto insurance rates drastically since teenage drivers are inexperienced, and auto insurance companies see them as high-risk.

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 make sure 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 premium

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