General Motors (GM) Auto Insurance Review: 2026 Rates & Options

Explore the General Motors auto insurance review, which offers exclusive coverage, equipment protection, and telematics-based discounts for GM vehicle owners.

General Motors Auto Insurance Rating

The OEM parts coverage program ensures factory-grade repairs, while OnStar Smart Driver tracks driving behavior to unlock savings.

Policies are issued by GM National Insurance Company and OnStar National Insurance Company. Find out which providers rank as the best auto insurance companies that offer OEM parts coverage.

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.

How General Motors Auto Insurance Rates Compare

The table below shows how a driver’s age and gender can change their monthly General Motors car insurance rates.

Younger drivers, especially teenage boys, usually pay the most because they are more likely to file a claim, and rates can reach $560 per month for these drivers.

General Motors Auto Insurance Monthly Rates by Age & Gender

As drivers age, their insurance rates typically decrease. When women reach 65, they can pay as little as $125 for basic coverage. This makes them the group with the lowest risk according to insurance companies.

Here is a quick overview of GM’s car insurance prices. Erie has the lowest costs, with only $32 for minimum and $84 for full coverage auto insurance.

General Motors vs. Competitors: Auto Insurance Monthly Rates by Coverage Level

GM is priced in the middle, with $65 and $145, while State Farm and Progressive keep it pretty affordable, too.

If you’re spending more than $240, for example, with Liberty Mutual or Travelers, it might be a good idea to look at other options.

Your driving history plays an important role in determining how much you pay each month for General Motors car insurance.

If you have no accidents or traffic violations, monthly rates remain around $100 for minimum coverage and approximately $200 for full coverage

General Motors vs. Competitors: Auto Insurance Monthly Rates by Driving Record

Just one ticket or accident can increase your monthly rates by $45 to $90, depending on the violation and other personal rating factors.

If you get a DUI, full coverage jumps to $245 per month, making it the most expensive risk factor on this list.

General Motors Car Insurance Protection and Savings

General Motors offers standard auto insurance as well as options made just for people who own GM cars.

Some of the protections that may be available are liability, collision, comprehensive, hospital payments, and rental reimbursement.

Eligible drivers can also get discounts through usage-based insurance programs based on how safely they drive, the features of their car, and the policies they choose.

By looking at these options, drivers can find the right coverage while keeping their monthly costs low.

General Motors car insurance coverage might be especially helpful for drivers who want protection built around connected cars.

Safe drivers, loyal customers, and people who own certain GM cars can get discounts that can lower their costs.

But each driver’s state may have different coverage options, discount amounts, and eligibility standards.

Carefully weigh each choice before choosing if GM auto insurance meets your needs for coverage and price.

Coverage Options From General Motors Auto Insurance

Curious about what comes with a General Motors auto insurance policy? You’ll get basic coverages such as liability and collision insurance.

It also covers hospital bills and rental cars, which can help lower the amount you have to pay out of pocket after a covered accident.

General Motors Car Insurance Coverage Options

If you have upgraded your GM vehicle with special wheels or spoilers, coverage is also available to help protect these added features.

The package includes roadside assistance and gap insurance, all specifically tailored to provide GM drivers with additional protection on and off the road.

Programs Available From General Motors

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:

General Motors Auto Insurance Programs

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

In addition to these programs and extra protections, General Motors Insurance also offers some deals that can help drivers lower their monthly rates.

Read more: Types of Auto Insurance

General Motors Auto Insurance Discounts

Trying to save on your GM auto insurance? You’ve got options. Learn how to qualify for the best auto insurance discounts with GM coverage.

Safe drivers can save 25%, while combining home insurance can provide an additional 20% in savings. Going over each deal can help you find more ways to lower your insurance costs every month.

Auto Insurance Discounts Offered by General Motors

Drive less, use anti-theft devices, or opt for paperless options for more savings. If you like GM a lot or use the OnStar service, you can get big discounts just for staying with the brand.

Along with savings, GM’s customer reviews and financial ratings can help you judge the company’s general dependability and service.

GM Auto Insurance Customer Reviews and Ratings

First, let’s talk about how the big rating agencies rate General Motors’ car insurance. A.M. Best rated it an A+, which means it is very financially strong.

Other groups look into how GM does business, how many complaints customers make, and how satisfied policyholders are generally.

When you compare these numbers, you can get a better idea of how stable the company’s finances are and how happy its customers are.

General Motors Business Insurance Ratings & Consumer Reviews

At the same time, BBB gave it an A- rating for how it does business. The satisfaction and complaint numbers from J.D. Power and NAIC are about average. Consumer Reports scores were mixed, which means the user experience could be better. These rankings help you understand how GM Auto Insurance stacks up against other companies.

Discover more by reading our guide: Who are the reputable auto insurance companies?

How GM Auto Insurance Ranks Among Providers

GM car insurance competes with many well-known auto insurance companies that offer a range of rates, coverage options, discounts, and customer service.

By comparing these businesses, drivers can see how well GM does in terms of prices, policy benefits, technology, and overall service. These are some of its competitors:

• 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.

Before you buy GM auto insurance, compare your options. If you decide GM is right for you, understanding how to manage your policy can make claims, changes, and cancellations easier.

Just enter your ZIP code to compare affordable auto insurance rates right now and go deeper with our GM car insurance reviews.

Managing General Motors Car Insurance Policy

Handling a General Motors auto insurance policy means filing claims, changing benefits, and requesting cancellation.

If you know the right steps, you can avoid delays and unexpected changes to your insurance costs.

Policyholders should always have their policy number, vehicle information, and any supporting documents on hand.

You can also get more information about state-specific rules, fees, refunds, and processing needs by calling GM Insurance immediately.

Read over the terms of your policy before you file a claim, change your coverage, or ask for it to be canceled.

Cancellation fees, possible refunds, and start dates may be different depending on your policy and the laws in your state.

If you want to switch from your GM policy to one from another provider, it’s also important to keep your coverage continuous.

Make sure GM Insurance knows about every change, and ask for written proof for your own insurance records.

How to Make a General Motors Auto Insurance Claim

Making a claim with General Motors Auto Insurance is easy and convenient. You can access your account online or contact the claims support team directly at 1-877-558-8352 to get more thorough step-by-step guidance on how to file an auto insurance claim. But you can also follow these steps to help prevent delays during the claims process:

1. Submit a Claim: You can do this online or by calling the claims support team.
2. Provide Policy Details: Prepare your policy number and contact details.
3. Describe the Accident: Give details about the time, place, and way the event happened.
4. Provide Proof: Include pictures, papers, and details from other drivers.
5. Dial Up the Adjuster: Answer questions and follow the instructions provided.

After you submit these, an adjuster will contact you to evaluate your claim and explain what to do next.

If you decide to end your policy afterward, understanding GM’s cancellation process can help you avoid fees or coverage gap.

How to Cancel Your General Motors 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. Some customers have reported a cancellation fee for their insurance. Ask before you cancel. Understand policy terms by reviewing how to cancel auto insurance properly.

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 cancel it. If you choose to cancel a refundable policy, you’ll receive half of what you paid. This applies if you cancel during the policy term.

Since refund amounts may vary and depend on several factors, it’s best to check with your insurance agent to determine which factors apply to you.

Learn more: Can you cancel an auto insurance claim after filing it?

General Motors Auto Insurance Overview

General Motors 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, it received help from the government and is still going strong today.

General Motors insurance, formerly OnStar Insurance, offers auto policies tailored for GM vehicle owners, including Chevrolet, Buick, GMC, and Cadillac drivers. Now available in 11 states, it recently expanded into Alabama, Iowa, and Tennessee, joining Arizona, Georgia, Illinois, Indiana, Missouri, Ohio, Pennsylvania, and Texas. Discover what sets the best comprehensive auto insurance companies apart.

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 that OnStar Insurance will be renamed General Motors Insurance. OnStar insurance is currently available only in Arizona, Illinois, and Texas. Additional states, including Indiana, Ohio, and Pennsylvania, are coming soon.

Find Cheap Coverage With General Motors Car Insurance

Rates are based on things like where you live, your driving record, the amount of coverage you want, and how often you use your car.

Some drivers may be able to lower their overall insurance costs by taking advantage of GM benefits and safe driving discounts. Still, getting more than one quote is the best way to find out if GM’s coverage is reasonable.

General Motors Insurance combines standard auto insurance with extra benefits designed for connected and GM-branded cars.

It may have reasonable prices, but each driver will have different savings and security options. Compare GM to other companies based on price, coverage, claims customer service, and customer satisfaction.

Type in your ZIP code to see what cheap GM auto insurance options are available in your area right now.