Find Low GM Auto Insurance Premiums

Looking for low GM premiums? Did you know that average insurance costs for a GMC are around $165 a month? Compare rates from multiple companies and save today.

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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...

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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...

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Reviewed byDaniel Walker
Licensed Insurance Agent

UPDATED: Apr 27, 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 that provides a range of auto insurance policies for drivers to choose from.

According to GM, 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.

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

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About General Motors


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 motorcycles. It is a leader in providing world-class insurance discounts and services.

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What Are SmartDiscounts?

A New York Times report states that insurance prices are rising precipitously. Based on the Consumer Price Index (CPI) from the Bureau of Labor Statistics, the report finds that insurance rates for automobiles increased 33.3 percent between 2002 and 2011.

Indeed, 2010-2011 saw a rise of 3.6 percent. Given such rapid rise, consumers are constantly looking for ways to cut their costs.

Towards that goal, GM provides a range of SmartDiscounts. Some of the popular options are as follows:

  • GM/GMAC customer discounts – This 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
  • Paid-in-full discount – If you pay your entire premium when you sign up, you are offered a substantial reduction
  • Multi-vehicle discount – If 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
  • GM loyalty discount – If all your vehicles are from GM, you get a discount
  • Safe-driver discounts – GM rewards its drivers if they complete recognized defensive driver courses. Motorcycle owners are offered safe-rider discounts
  • Low mileage discount – If 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
  • Affinity discounts –This is meant for members and supporters of GM-approved organizations

This is in addition to other standard offers such as safe driver history discounts, auto safety discounts, and anti-theft devices, among others.

SmartServices Explained


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.

GMAC provides a lifetime guarantee on all the collision repairs that are done at their approved repair shops. Another service called 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.

In terms of claims, you can get guaranteed claims service satisfaction. A lack of good service will result in waiving a part of your deductible, up to $250. You also have 24-hour claims reporting.

This matters because most small claims are paid within 48 hours and largely dealt with over the phone.

In 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.

Some of these services are meant to help you get around without your vehicle. 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.

SmartReplacement® will help find a replacement car if your car has been deemed totaled in an accident.

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

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Different Forms of Auto Insurance Provided by GM

The Insurance Information Institute informs that all states require its drivers to carry some amount of auto insurance or provide substantial proof of being able to pay for expenses in case of an accident.

While states mandate a minimum amount of insurance coverage, experts suggest you get the maximum insurance you can afford.

GMAC Insurance has a range of auto coverage options that can protect you and your family from financial losses in case your car is involved in an accident, is vandalized or stolen, breaks down, or is otherwise damaged.

Some of the different forms of auto insurance are as follows:

  • Bodily injury liability – This covers all injuries and losses to other people involved in the accident. It also pays your legal fees if you are sued or are charged with a crime involving your insured vehicle
  • Property damage liability – This pays for all damages caused to someone else’s property such as buildings, traffic signs, sidewalk, electric poles etc. when you are at-fault in the accident.
  • Collision coverage –This protects you when your vehicle is damaged in a collision or is involved in a rollover
  • Comprehensive coverage –This option is meant to cover any damage caused to your car by causes other than collision. This includes Acts of God such as hurricanes and volcanoes, among others; theft; vandalism; acts such as runaway shopping carts, errant fly balls, and falling trees
  • Medical payments – Irrespective of fault, this form of coverage pays for medical and funeral costs resulting from the accident. This covers all expenses for you and your passengers, up to the coverage limit stated in your policy
  • Uninsured and underinsured motorist coverage – Job losses and the poor economy are forcing many people to drive with minimum or no insurance. This form of coverage swings into play when you are in an accident with a driver with low or no insurance
  • Personal Injury Protection – Mandatory in no-fault law states, it covers medical costs, lost wages etc. for the injured person, irrespective of fault

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Lowering Your Auto Insurance Bill


While insurance companies like GMAC Insurance offer their customers a range of discounts, drivers have other ways of lowering their insurance premiums.

Drive carefully. A clean record of driving indicates that you are a safe driver and gets you low rates. Be sure to avoid speeding and follow traffic rules.

Not only will this keep your family safe, it will help you avoid expensive tickets, fines, and points on your license.

Teenage drivers are very expensive to insure. However, they can help by getting good grades that will make them eligible for good student discounts.

Additionally, talk to them about wearing seatbelts; avoiding too many passengers; and the dangers of texting and driving.

Your credit rating is another important factor. According to MyFICO, insurance companies use your credit ratings to determine how much of a financial risk you are.

So improve your credit ratings and you will see your insurance rates decrease.

Buying Auto Insurance

The Internet is an amazing resource for all drivers seeking low-cost auto insurance. You can find all the information you need about the different kinds of insurance, how much your state mandates, expert advice, and comparison tools.

Additionally, you can find financial information, customer reviews, and consumer group ratings about the different insurance companies you are considering. So take the time to do your research and make an informed choice.

Start your search for auto insurance quotes when you enter your zip code into our FREE search tool below!



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