Budget auto insurer specializing in high-risk and poor-credit drivers with fast approval.
High-risk drivers, those with poor credit history, and anyone needing immediate coverage
Major insurance subsidiary of Berkshire Hathaway offering comprehensive coverage with strong customer support.
Most drivers, especially those with good driving records seeking competitive rates and comprehensive coverage options
Geico is a larger, more established insurer with better customer service ratings and lower average premiums, while The General specializes in high-risk drivers and offers faster approval processes for those with poor driving records.
Geico offers better rates, superior customer service, and more comprehensive discounts for average drivers, making it the best choice for most consumers. The General is the superior option specifically for high-risk drivers, those with bad credit, or people who need immediate coverage, despite higher premiums.
Choose The General if
High-risk drivers, those with poor credit history, and anyone needing immediate coverage
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| Metric | The General | Geico | Diff |
|---|---|---|---|
| Average Annual Premium(USD) | $2,000 | $1,400 | +43% |
| Customer Satisfaction Score(Score) | 74 | 4.1/5 | +1705% |
| Quote Processing Time(minutes) | 6 |
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Choose Geico if
Most drivers, especially those with good driving records seeking competitive rates and comprehensive coverage options
| 7 |
| -14% |
| Policy Approval Time(hours) | Same-day (1-4) | 24-48 | -94% |
| Number of Discounts(count) | 14 | 27 | -48% |
| Mobile App Rating(Stars) | 4.1 | 4.3/5 | -5% |
| States Available(count) | 51 | 51 | — |
| Gender Rate Variance (Widest Gap)(percentage point difference) | Men 13.6% vs Women 10.3% = 3.3 point gap | Men 13.6% vs Women 10.3% = 3.3 point gap | — |
| Coverage Types Available(number of categories) | Auto Insurance Only | Auto Insurance Only | — |
| Mental Market Share (MMS)(percentage) | ~12% | ~12% | — |
| Minimum Coverage Monthly Rate(USD) | $66 | $66 | — |
| Full Coverage Annual Cost(USD) | $2,053 | $2,053 | — |
| Customer Rating(stars) | 4.5 out of 5 | 4.5 out of 5 | — |
| WalletHub Rating(stars) | 4.3 out of 5 | 4.3 out of 5 | — |
| Number of Coverage Types(types) | 1 (auto only) | 1 (auto only) | — |
| Market Presence (MMS)(percent) | ~12% | ~12% | — |
| Average Annual Premium (Auto Insurance)(USD) | $950 | $950 | — |
| States Served(count) | 50 states + DC | 50 states + DC | — |
| Coverage Types Offered(count) | Auto, Home, Life, Umbrella, RV, more | Auto, Home, Life, Umbrella, RV, more | — |
| Founded Year(Year) | 1936 | 1936 | — |
| Average Annual Premium (Safe Driver)(USD) | $1,247 | $1,247 | — |
| Average Claims Processing Time(business days) | 1.5 days | 1.5 days | — |
| Quote Generation Time(minutes) | 10 minutes | 10 minutes | — |
| Average Auto Insurance Premium (Annual)(USD) | $1,380 | $1,380 | — |
| Quote Completion Time(minutes) | 4 | 4 | — |
| Claims Processing Time(Hours) | 6 | 6 | — |
| Available Coverage Types(count) | 6 types | 6 types | — |
| Number of Available Discounts(count) | 15 | 15 | — |
All figures sourced from publicly available data. Last updated May 2026.
The General
High-risk and poor credit drivers
Geico
All drivers, emphasis on good-to-excellent records🏆
The General
$1,800-$2,200
Geico
$1,200-$1,600🏆
The General
Same-day in most cases🏆
Geico
24-48 hours standard
The General
74/100
Geico
86/100🏆
The General
50 states + DC
Geico
50 states + DC
The General
5-7 minutes🏆
Geico
5-10 minutes
The General
$2.5 billion
Geico
$85 billion🏆
The General
12-15 discounts
Geico
25+ discounts🏆
Geico offers 27+ discounts compared to The General's 14 discounts. Geico's discounts include bundling, safety features, good student, paperless billing, and occupational discounts. However, The General's base rates for high-risk drivers are often more competitive than Geico's rates after discounts.
Dive deeper with these curated resources
| Attribute | The General | Geico |
|---|---|---|
| Average Annual Premium(USD) | $2,000 | $1,400 |
| Average Rate vs National Average | Below national average with superior discounts | — |
| Average Annual Premium(relative to national average) | $2,053 per year | — |
| Minimum Coverage Monthly Rate(USD) | $66 | — |
| Full Coverage Annual Cost(USD) | $2,053 | — |
Show 3 more attributesAverage Annual Premium (Safe Driver)(USD) $1,247 — Bundle Discount Available(yes/no) Yes (up to 25%) — Average Auto Insurance Premium (Annual)(USD) $1,380 — | ||
| Customer Satisfaction Score(Score) | 74 | 4.1/5 |
| Quote Processing Time(minutes) | 6 | 7 |
| Policy Approval Time(hours) | Same-day (1-4) | 24-48 |
| Number of Discounts(count) | 14 | 27 |
| Premium Reduction Rate (2026)(percentage of members) | Stable competitive pricing | — |
| Credit Check Required | No (soft pull only) | Yes (standard) |
| Mobile App Rating(Stars) | 4.1 | 4.3/5 |
| States Available(count) | 51 | 51 |
| National Company Ranking (2026) | #4 | — |
| Q1 2026 Net Income(billions USD) | Not disclosed at comparable detail | — |
| Combined Ratio (Claims Efficiency)(%) | Not publicly comparable | — |
| Premium Growth Rate (2026)(%) | Market standard growth | — |
| Gender Rate Variance (Widest Gap)(percentage point difference) | Men 13.6% vs Women 10.3% = 3.3 point gap | — |
| Telematics/Usage-Based Program | Limited traditional monitoring programs | — |
| Rate Stability (2026) | Significant increases (700k+ Florida customers April 2026) | — |
| 2025 Net Income(billion USD) | Not publicly disclosed separately | — |
| Rate Reductions Announced 2026(customers affected) | Limited announcements | — |
| Available Discounts(count) | More comprehensive | — |
| Accident/DUI Rate Premium Increase(percentage) | Standard pricing | — |
| Geographic Coverage(states) | All 50 states | — |
| Coverage Types Available(number of categories) | Auto Insurance Only | — |
| Number of Coverage Types(types) | 1 (auto only) | — |
| Available Coverage Types(count) | 6 types | — |
| Service Model(null) | Digital-only | — |
| Claims Processing(null) | Fully digital | — |
| Customer Satisfaction Rating(relative ranking) | 4.3 out of 5 | — |
| Overall Customer Rating(stars) | 3.9 out of 5 | — |
| WalletHub Editor Rating(stars) | 4.4 out of 5 | — |
| Customer Rating(stars) | 4.5 out of 5 | — |
| Telematics Rate Increase Risk(risk level) | Can increase at renewal | — |
| Gap Insurance Availability(boolean) | Not offered | — |
| Pay-Per-Mile Coverage(boolean) | Not available | — |
| New-Car Replacement Coverage(boolean) | Not offered | — |
| Distribution Channels(types) | Online, phone, mobile app | — |
| Membership Eligibility | All drivers | — |
| Mental Market Share (MMS)(percentage) | ~12% | — |
| Loan Rate Competitiveness | Auto-only (N/A) | — |
| Home/Auto Bundling Discount | Not available | — |
| Maximum Safe Driver Discount(percent) | Multiple offers | — |
| Number of Available Discounts(count) | 15 | — |
| WalletHub Rating(stars) | 4.3 out of 5 | — |
| Years in Business(years) | 85+ | — |
| Market Presence (MMS)(percent) | ~12% | — |
| Average Annual Premium (Auto Insurance)(USD) | $950 | — |
| States Served(count) | 50 states + DC | — |
| Coverage Types Offered(count) | Auto, Home, Life, Umbrella, RV, more | — |
| Customer Service Channels(count) | Phone, Local Agents, Chat, Mobile App | — |
| Customer Service Hours(hours per day) | 24/7 | — |
| Founded Year(Year) | 1936 | — |
| Average Claims Processing Time(business days) | 1.5 days | — |
| Telematics Program Offered(yes/no) | Yes (optional - DriveEasy) | — |
| Quote Generation Time(minutes) | 10 minutes | — |
| Quote Completion Time(minutes) | 4 | — |
| Claims Processing Time(Hours) | 6 | — |
| Agent Availability(hours per week) | 24/7 with local agents | — |
Side-by-side comparison of numeric attributes