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GMAC Auto Insurance Review

Sunday, 15 December 2013 04:00

GMAC Insurance was recently rebranded to National General and is an established and financially secure insurance company. It was founded by General Motors to offer auto insurance and other insurance products to GM employees and others. The company provides many unique discounts for GM employees and employees of other GM affiliated companies and organizations, and owners of GM products are also eligible for discounts. Although the company is financially stable it has received some negative reviews from independent rating organizations for its customer service experience.

Company Background Information

GMAC auto insurance is now sold as National General Insurance and the company was rebranded on July 1, 2013. GMAC is one of the largest auto insurance companies in the United States and the brand name was not changed due to an acquisition but a desire for the company to establish a new identity after 70 years of experience. Policyholders were not affected by the name change in any way. The company was founded in 1939 with the name Motors Insurance Corporation. It is the only auto insurance company that was founded from within the automobile manufacturing industry.

National General offers a wide range of insurance products including auto, RV, home, commercial vehicle, motorcycle, collector/classic vehicle, Mexico and health insurance products. The company was rated 2 out of 5 power circles by J.D. Power for customer satisfaction in the Southeast region and received the same rating for its auto insurance purchase experience. National General was rated “A-“ by A.M. Best in its most recent financial strength rating with a stable outlook for its consistent earnings. The company is owned by Ally Financial.

Pros of GMAC Auto Insurance

  • Several coverage and discount options
  • Financially stable company

Cons of GMAC Auto Insurance

  • Lower than average customer satisfaction ratings from J.D. Power
  • Online quotes not available in every state


GMAC offers several different discounts including some unique discounts:

  • Discounts are offered for driving a GM vehicle or using other GM services
  • Paid in full discount for paying premiums upfront
  • Multiple vehicle discount for insuring more than one vehicle
  • RV and auto discount for combining them on one policy
  • Low mileage discount for drivers who drive less than 15,000 miles per year
  • GM Family First discount for GM employees and family members
  • GM supplier discount for employees of businesses that work with GM
  • Group affiliation discounts for a wide range of groups and organizations

Types of Insurance Offered

GMAC offers the standard coverage options including bodily injury liability, collision, comprehensive, medical payments, personal injury protection, uninsured/underinsured motorist, and property damage coverage. In addition to these standard coverage options GMAC also offers several unique benefits such as guaranteed repairs, emergency expense allowance of up to $500 per claim, vehicle replacement assistance, guaranteed claims satisfaction, vehicle delivery after repair, and many other benefits.


The GMAC/National General website is well designed and has a good amount of information on the coverage options and unique benefits of GMAC insurance. Customers can get a quote, find a local agent, and submit claims through the website.

Customer Reviews

Third party reviews of GMAC auto insurance are below average, in particular the J.D. Power studies gave GMAC only 2 out of 5 power circles which signifies a lower than average customer experience.

A review of GMAC auto insurance, which was recently rebranded to National General and is sold to GM employees and the general public.


GMAC/National General is a major auto insurance company with strong financial stability but subpar customer service ratings. The company may be worth a consideration for GM employees who are eligible for unique discounts but the less than average ratings from J.D. Power are still a potential area of concern. Other auto insurance shoppers might consider other providers, and if you are shopping for auto insurance now you can get rates immediately by entering your zip code on this page.

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Zip Code
Company Information
Sales Phone 800-847-2886
Market Share N/A
AM Best Score A-
JD Power Rating 2 out of 5
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