Allstate vs. The General Car Insurance [2021]

In a comparison between Allstate vs. The General, it's important to note that Allstate is a major standard insurance company, while The General caters to drivers with poor records. Allstate offers many discounts and will have lower rates on average, while The General will be more expensive due to its focus on high-risk drivers. Regardless of driving record, Allstate vs. The General car insurance rates will vary, and a personal quote is the best way to see which is cheaper.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jul 1, 2021

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If you want insurance that’s affordable, Allstate vs. The General car insurance is a great place to start. With a match-up between Allstate vs. The General car insurance quotes, it can be difficult to determine a winner at a glance.

Allstate and The General are two great insurance providers, but this detailed car insurance guide will examine each company’s services and discounts.

Read on to learn how Allstate and The General compare. Enter your ZIP code to get free car insurance quotes in your area today.

What services do Allstate and The General provide?

You’ll get the necessary coverage to keep your vehicle street legal with either company. Even better, if you run out of gas or blow a tire, The General 24 Hour Roadside Assistance will be able to help you day or night.

Allstate provides great services too like Accident Forgiveness. With this extra perk, your insurance rates won’t go up even if an accident were your fault. Allstate doesn’t just step in if you’ve had an accident either.

This car insurance company actually helps you keep your car in tip-top shape. With Extended Vehicle Care, you’ll be able to take care of expensive repairs once the warranty on your vehicle has run out.

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Allstate vs. The General: Which insurance company offers more discounts?

Allstate offers an impressive set of discounts that can certainly bring your premiums down. You’ll see that when it comes to Allstate vs. The General car insurance company, Allstate takes the cake when it comes to discounts.

Take a look at this extensive list of Allstate’s discounts below.

Allstate Car Insurance Discounts

Allstate DiscountsPercentage Saved
Anti-lock Brakes10%
Claim Free35%
Daytime Running Lights2%
Defensive Driver10%
Distant Student35%
Driver's Ed10%
Driving Device/App20%
Early Signing10%
Electronic Stability Control2%
Farm Vehicle10%
Full Payment10%
Good Student20%
Green Vehicle10%
Multiple Policies10%
Newer Vehicle30%
On Time Payments5%
Paperless Documents10%
Paperless/Auto Billing5%
Passive Restraint30%
Safe Driver45%
Senior Driver10%
Utility Vehicle15%
Vehicle Recovery10%
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Allstate or The General: Which insurance is best for high-risk drivers?

As the Insurance Information Institute notes, finding coverage if you have a problematic driving record or bad credit can be difficult; however, getting insurance with The General is easy even if you are a high-risk driver.

Not only that, but The General is a great option if you’re looking for cheap car insurance, offering premium rates as low as $80.

Are Allstate and The General user-friendly?

When you compare Allstate vs. The General car insurance, it’s clear that both provide user-friendly access to your insurance. If you want to review your policy details but don’t feel like calling into your insurance agent’s office, simply use your Allstate login to review your policy on their website.

You can even use the Allstate app to file a claim or make payments. The General has an app available too which makes taking advantage of other services like The General Roadside assistance even easier.

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Allstate vs. The General Car Insurance: What you need to know

Allstate and The General are both well-known insurance companies. However, if you are looking to bundle discounts and maximize savings on your car insurance rates Allstate reigns supreme. Read a full Allstate car insurance review for more.

On the other hand, if your driving history is standing in the way of you getting coverage The General can help. Check out a full The General car insurance review for more details.

Both are financially stable, although Allstate’s A.M. Best rating is a bit higher at an A+ compared to The General’s A-.

Hopefully, we’ve given you all you need to know to decide if Allstate or The General is better for you. Enter your ZIP code now to get free quotes from top companies.

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