GM Auto Insurance Review (2024)
Does General Motors have auto insurance? Yes, but there have been several changes, such as certain car models and in certain states. The name is now OnStar Insurance, but that will be renamed General Motors Insurance. Our GM auto insurance review will bring you up to date on coverages and discounts.
Read moreBrad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Nov 1, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 1, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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GM Auto Insurance
Average Monthly Rate For Good Drivers
$181A.M. Best Rating:
AComplaint Level:
LowPros
- Comprehensive coverage options
- Generous discounts and incentives
- Mobile app and online tools for convenient policy management
Cons
- Limited availability
- Rates are higher for drivers who don’t own eligible vehicles
GM Auto Insurance offers comprehensive coverage, competitive rates, and exceptional customer service, making it a top choice for drivers seeking reliable insurance protection. With a range of discounts and incentives available, insuring with GM Auto Insurance ensures peace of mind on the road.
Affordable GM auto insurance quotes may be available to you, but you should always shop around. Before reading more about GM auto insurance, enter your ZIP code to see multiple options for affordable auto insurance quotes. You may even be able to get a quote from General Motors.
What You Should Know About GM Auto Insurance
GM 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, the company received help from the government and is still going strong today.
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 OnStar Insurance will be renamed General Motors Insurance. OnStar insurance is currently available only in Arizona, Illinois, and Texas, but additional states are coming soon, such as Indiana, Ohio, and Pennsylvania.
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GM Auto Insurance Coverage Options
Is driving without insurance ever okay? All states require their drivers to carry some amount of auto insurance or provide substantial proof of paying for expenses in case of an accident.
According to the Consumer Financial Protection Bureau, your loan company may require you to carry full coverage insurance if you’re financing your vehicle. 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 different types of policies and coverage available to you, along with what they do.
Types of Auto Insurance Coverage
| Auto Coverage Type | Purpose of Coverage |
|---|---|
| Bodily injury liability | Part of your liability coverage that pays for medical bills if you've injured someone else in an automobile accident |
| Collision | Covers damage to your car after an automobile accident |
| Comprehensive | Covers damage to your car that happens when you're not driving |
| Personal injury protection | Covers medical expenses for you or your passengers after an automobile accident |
| Property damage liability | The other part of liability coverage that covers the cost of any property damage you've caused in an automobile accident |
| Uninsured/underinsured motorist | Covers the costs if you're in an automobile accident caused by a driver with little or no car insurance |
Owners of Buick, Cadillac, Chevrolet, and GMC models that are model ear 2016 or newer can opt for usage-based car insurance and potentially get the best rate, as GM can use technology (telematics) already working in those connected vehicles to personalize a premium which is based on driving behaviors.
For those with an older GM vehicle or a non-GM vehicle, GM offers traditional auto insurance coverage.
While you don’t have to have a paid OnStar plan to be eligible for OnStar Insurance, having it means you’ll also have the advantage of a unique roadside assistance program, including automatic crash response, automatic emergency services contact, and remote vehicle diagnostics.Daniel Walker Licensed Insurance Agent
Programs Available From GM
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:
GM Auto Insurance Programs
| GM Auto Insurance Programs/Advantages | Details |
|---|---|
| Collision Repairs Guarantee | GMAC provides a lifetime guarantee on all the collision repairs that are done at their approved repair shops. |
| 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. |
| 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 Claims | 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. |
OnStar Insurance also allows you to add coverage for specialized equipment and accessories such as custom wheels, spoilers, and body alterations.
How to Make a GM Auto Insurance Claim
What should you do if you need to file an insurance claim? You can file insurance claims directly online through your account or call 1-877-558-8352.
How to Cancel Your GM 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.
GM Auto Insurance Cancellation Fee
Some customers have reported an insurance cancellation fee. Ask before you cancel.
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 choose to cancel. If you choose to cancel a refundable policy, you’ll receive half of what you paid. This applies if you cancel in the middle of the policy term.
Since refund amounts may vary and depend on various factors, you should always check with your insurance agent to see what factors apply to you.
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GM Auto Insurance Rates Breakdown
While the price isn’t always the deciding factor for 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.
GMC Auto Insurance Monthly Rates by Make and Model
| GMC Model | Full Coverage |
|---|---|
| GMC Yukon XL | $145 |
| GMC Yukon | $150 |
| GMC Terrain | $134 |
| GMC Sierra 3500HD | $163 |
| GMC Sierra 2500HD | $159 |
| GMC Sierra | $146 |
| GMC Canyon | $130 |
| GMC Acadia | $129 |
These are just guidelines. Actual rates will depend on various 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, many factors go into determining your auto insurance rate.
GM Auto Insurance Discounts Available
Generally, your auto insurance discount options depend on what the company has to offer. Car insurance discounts are standard throughout the industry.
The table below shows some of the most common auto insurance discounts available. Also, it shows an estimate of how much money each can save you and the major auto insurance companies that offer the discount.
Standard Auto Insurance Discounts Offered by Major Companies
| Discounts Offered | Average Savings | Available With |
|---|---|---|
| Low mileage/Low usage discount | Up to 20% | State Farm, Allstate, Travelers, Nationwide, Progressive |
| Defensive driving discount | 10%–15% | State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Farmers |
| Safe driver discount | 10% | State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Liberty Mutual, State National |
| Military and federal employee discount | 8%–15% | Geico, Esurance, USAA |
| Good student discount | 5%–25% | State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Liberty Mutual, State National |
| Senior/Mature driver discount | 5%–10% | Geico, Allstate, Liberty Mutual, State National |
| Homeowner discount | 3% | State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Farmers |
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 Types | Details |
|---|---|
| Affinity discounts | This is meant for members and supporters of GM-approved organizations |
| GM loyalty discount | If all your vehicles are from GM, you get a discount |
| 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 |
| 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 |
| 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 |
| Paid-in-full discount | If you pay your entire premium when you sign up, you are offered a substantial reduction |
| Safe-driver discounts | GM rewards its drivers if they complete recognized defensive driver courses. Motorcycle owners are offered safe-rider discounts |
Don’t forget to ask about the GM retiree auto insurance discount.
As you can see, it’s always a good idea to check with your auto insurance provider to see what discounts you can receive. To reach out to GM, send a text under MyAccount or call 888-495-4674 for Arizona, Illinois, and Texas residents, and 833-430-0184 for residents of all other states.
How GM Auto Insurance Ranks Among Providers
GM auto insurance competes with several prominent auto insurance providers in the market. Some of its main competitors include:
- 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.
GM Auto Insurance Customer Reviews
Customer reviews of GM auto insurance are overwhelmingly positive, highlighting:
- Efficient claims processing
- Responsive customer service
- Competitive rates compared to other insurers
Before you buy GM auto insurance, compare your options. Just enter your ZIP code to compare affordable auto insurance rates right now. You may even be able to get GM auto insurance quotes.
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Frequently Asked Questions
Does General Motors have auto insurance?
Yes, GM auto insurance is currently available under OnStar Insurance.
What instance does General Motors offer?
General Motors currently offers auto insurance and home insurance through OnStar Insurance.
Who does General Motors own?
General Motors brands include Buick, Cadillac, Chevrolet, and GMC.
What is the best auto insurance under GM auto insurance?
Owners of GM-branded vehicles can get exclusive discounts and programs OnStar Insurance, which aren’t available to drivers of non-GM vehicles.
Can I use my own insurance instead of GM auto insurance for my GM vehicle?
While GM Auto Insurance is designed to cater specifically to GM vehicle owners, you may have the option to use your own insurance provider instead.
However, it’s essential to review your insurance policy and consult with your insurance provider to ensure that your coverage meets the necessary requirements for your GM vehicle.
Does GM auto insurance offer SR-22 insurance?
If you’ve had 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 auto 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 to $35.
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.
Auto insurance companies will want to know about your driving record, the type of vehicle you’re insuring, and whether you’ve had any tickets or accidents in the past.
Are there benefits to using an agent to purchase auto insurance?
While it’s possible to buy your auto insurance policy directly instead of through an agent, this method has some possible downsides. If you choose to go with a local agent, you’ll get the advantage of more personalized service.
This experience is just not possible when you purchase directly from a large company. With a local agent, you may speak to the same person about your policy every time.
How does adding drivers to my auto insurance policy affect my rates?
Adding a driver to car insurance means that your automobile will be spending more time on the road. Since a second person will be driving it, auto insurance companies will raise your rates.
For example, adding a teenager to your policy can raise your auto insurance rates since teenage drivers are inexperienced, high-risk drivers.
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 payments
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.