Does The General Have Good SR-22 Insurance Coverage?

Last Updated on June 8, 2023

The General is a well-known car insurance company serving customers across the United States. The company is particularly well-known for its SR-22 insurance.

Some drivers require SR-22 insurance. Your state DMV may notify you of SR-22 requirements after a lapse in coverage, at-fault accidents, DUIs, or other incidents.

Should you get SR-22 insurance through The General? Does The General offer good SR-22 insurance? Keep reading to discover everything you need to know about The General and how the company’s SR-22 insurance works.

Table of Contents:

What Is The General’s SR-22 Insurance?

SR-22 insurance isn’t technically insurance. It’s a certificate verifying you have insurance. When you buy “SR-22 insurance” through The General, you’re buying a car insurance policy from The General, and The General will submit an SR-22 certificate to the state DMV on your behalf.

Generally, the DMV requires SR-22 insurance if you are a high-risk driver. Also known as SR-22 bonds, SR-22 certificates, or SR-22 forms, SR-22 insurance may be required after a DMV, at-fault accident, lapse in auto insurance coverage, or other serious incidents.

If the DMV has notified you of SR-22 insurance requirements, then you may need to submit the SR-22 to the DMV to reinstate your driving privileges. The DMV may have suspended your license until you provide proof of insurance via the SR-22, for example.

How Does The General’s SR-22 Insurance Work?

The General’s SR-22 insurance works like liability insurance policies. It allows you to meet minimum insurance requirements in your state and continue to drive legally.

Liability coverage protects you against liability when driving your vehicle. If you injure someone else, for example, or damage their property, then the injured party can make a claim through your auto insurance policy.

In most states, The General’s SR-22 insurance includes two main coverages:

Bodily Injury Liability Coverage: Bodily injury liability coverage covers medical bills and certain other expenses incurred by other drivers, passengers, or pedestrians you injure while driving. If you collide with another vehicle, for example, and the other vehicle has $50,000 of medical bills as a result of your actions, then the General’s SR-22 bodily injury liability coverage could cover these costs.

Property Damage Liability Coverage: Property damage liability coverage covers damage you cause to other people’s property. If you collide with another vehicle and cause $20,000 of damage to that vehicle, for example, then The General will cover this damage through your SR-22’s property damage liability coverage.

Every state (except New Hampshire) requires drivers to carry liability insurance. The General’s SR-22 insurance will (at least) meet those minimum requirements in your state.

The General SR-22 Reviews: What Do Customers Have to Say?

The General insures thousands of drivers across the United States, including drivers with SR-22 requirements. What do drivers have to say about The General? Does The General offer good SR-22 insurance requirements?

J.D. Power is the largest insurance ratings organization. However, the company does not rank The General at a national or subregional level. Instead, J.D. Power focuses only on reviewing the top 20 largest insurance companies at a state and subregional level.

However, The General is a subsidiary of American Family, which is one of America’s largest insurance companies. Although The General operates as a separate brand within the American Family group of companies, the parent company has strong reviews from J.D. Power. In 2021, for example, American Family ranked first in overall experience, pricing, distribution channels, policy offerings, and quote process among mid-size insurers. To compile these rankings, J.D. Power contacted customers who had recently made a claim through American Family, then asked about their experience.

American Family is also backed by nearly a century of auto insurance experience. The Madison, Wisconsin-based company has provided car insurance since 1927.

Nevertheless, The General is a separate company from American Family. The General specializes in insuring high-risk drivers, including drivers needing SR-22 insurance. These drivers may be unsatisfied with The General’s claims process. Many drivers don’t understand the limitations of SR-22 insurance, for example.

The biggest advantage of buying SR-22 insurance through The General is getting the backing of a large and well-known company. Other SR-22 insurance providers are lesser-known brands with a mixed reputation. The General is a long-running and well-known insurance company with the backing of a large company (American Family).

Another perk of buying from The General is that the company specializes in SR-22 insurance: the company has specialized in insuring high-risk drivers for nearly 60 years, including drivers requiring SR-22 insurance.

Overall, The General is one of the best companies for SR-22 insurance. However, it’s always a good idea to compare rates from multiple providers to ensure you’re getting the best deal on SR-22 insurance.

How Much Does The General’s SR-22 Insurance Cost?

The cost of The General’s SR-22 insurance varies widely depending on your driving history, state insurance laws, and desired coverage options.

Nationwide, the average driver pays around $2,200 to $4,600 per year for SR-22 insurance.

When buying SR-22 insurance through The General, you will also need to pay the SR-22 filing fee. Most states charge a $25 SR-22 filing fee. After you pay that fee, The General will submit the SR-22 to the DMV on your behalf.

Once you are no longer required to file an SR-22, your insurance will go down. Your insurance will continue to drop when the incident (or incidents) disappear from your driving record. The General offers many auto insurance discounts, so apart from maintaining a good driving record, there are many ways to save.

How to Get an SR-22 Insurance Quote from The General

The General provides SR-22 insurance in most states. To request a quote, contact The General today via their official website.

The General provides free online quotes for drivers requiring SR-22 insurance. You can see exactly how much your SR-22 insurance will cost. Then, you can compare that rate with the SR-22 insurance from other providers in your region.

Because The General specializes in insuring high-risk drivers, including drivers requiring SR-22 certificates, they are used to providing similar quotes to drivers in all 50 states. Other insurers may not provide online SR-22 quotes.

Visit or call The General’s helpline at 1-844-327-9870 to get an SR-22 insurance quote.

How Long Do I Need to Carry The General’s SR-22 Insurance?

Your state DMV should notify you of how long you need to carry SR-22 insurance. The length of your SR-22 requirements depends on state insurance laws and the seriousness of the offense.

If you recently committed the offense, then you may need to carry SR-22 insurance for 2 to 5 years.

State insurance laws impact the length of your SR-22 insurance requirement. Some states start the requirement on the date of the incident, while other states start the requirement on the date of the conviction, the date of your license suspension, or the date of license reinstatement.

If you received a form from the DMV notifying you of SR-22 or FR-44 requirements, then that form should mention the length of time for which you need to carry the SR-22 certificate.

The General can provide SR-22 insurance throughout the duration of that requirement. Or, you can shop around to find better SR-22 insurance rates in the middle of your policy.

Once your SR-22 requirements end, you can resume buying ordinary car insurance. However, you may still pay higher insurance rates because of the incident on your driving record.

Final Word on The General’s SR-22 Insurance

The General provides SR-22 insurance and FR-44 insurance in most parts of the United States.

For nearly 60 years, The General has specialized in insuring high-risk drivers across the United States. The General is also a subsidiary of a larger insurance company, American Family. For all of these reasons, The General is one of the better companies for drivers requiring SR-22 insurance.

Request a quote through The General today to see exactly how much your SR-22 insurance will cost.

James Shaffer
James Shaffer James Shaffer is a writer for and a well-seasoned auto insurance industry veteran. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. He is responsible for researching and writing about anything auto insurance-related. He holds a bachelor's degree from Bentley University and his work has been quoted by NBC News, CNN, and The Washington Post.
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