General Motors Insurance Explained: Coverage, OEM Parts & Quotes (USA)

General Motors Insurance is auto insurance built around GM vehicles—Chevrolet, Buick, GMC, and Cadillac. It rebranded from OnStar Insurance and is commonly marketed through GM Financial. Shoppers search for it when they want OEM parts coverage, connected-car rate personalization, or a quote alongside their GM ownership.

Quick answer: General Motors Insurance offers personal auto policies (availability varies by state) underwritten primarily by GM National Insurance Company. Standout features often include genuine GM parts for repairs, GM Certified shop networks, and safe-driving pricing that can use in-vehicle data on many 2016+ GM models. Always compare quotes—your ZIP, driving record, and vehicle still drive the price.

Educational overview only. Coverage, discounts, and state availability change; confirm details on an official quote.

What is General Motors Insurance?

It is a branded personal lines insurance offering tied to the GM ecosystem—not a free warranty add-on that comes with every car. Policies are subject to underwriting. Home and renters products may be offered through affiliated agency channels and underwritten by partner carriers, so auto and home are not always the same company behind the scenes.

Coverage types people usually compare

• Liability — bodily injury and property damage you cause others
• Collision — damage to your car from crashes
• Comprehensive — theft, weather, vandalism, and similar non-collision losses
• Uninsured/underinsured motorist, medical payments / PIP where required
• OEM parts — repairs with genuine GM parts when available (policy terms apply)

Exact limits, deductibles, and endorsements depend on your state and quote.

Connected driving and safe-driving savings

On many model-year 2016 and newer Chevrolet, Buick, GMC, and Cadillac vehicles, General Motors Insurance can use existing in-vehicle technology to personalize rates based on how you drive—instead of requiring a separate plug-in device for that program. Safer habits may help; poorer scores can raise costs. Older GM models and non-GM cars may still be eligible for traditional underwriting without that connected data path.

Who it is for

• GM owners who want factory-parts repair language in the policy
• Drivers open to usage-based / telematics pricing
• Households shopping multi-vehicle or GM Rewards–style loyalty discounts where offered

It may be a weak fit if GM Insurance is not admitted in your state yet, you prefer a carrier with a broader local agent network, or your quote is simply higher than Progressive, GEICO, State Farm, or your current insurer.

How to get a quote and what to check

1. Gather ZIP, VINs, mileage, garaging address, and driver history.
2. Request a quote online via the General Motors Insurance site or by phone (commonly listed as 1-844-674-7253).
3. Compare the same limits and deductibles against at least two other carriers.
4. Ask how OEM parts, rental car, roadside, and glass claims work on your specific policy form.
5. Confirm state availability and any waiting period before cancelling your current policy.

General Motors Insurance vs regular auto insurers

• GM-focused extras: OEM parts and GM Certified shops are the usual differentiators.
• Data advantage: connected GM vehicles can feed safe-driving programs without a dongle.
• Availability: still expanding by state—nationwide “everywhere” is not guaranteed.
• Price: not automatically cheapest; underwriting and driving data decide.

FAQ

Is General Motors Insurance the same as OnStar Insurance?
It is the rebranded name for the OnStar Insurance offering announced by GM Financial.

Do I need a Chevy, Buick, GMC, or Cadillac?
The product is built for GM owners; connected safe-driving features are strongest on newer GM models. Ask during quoting about other vehicles on the same policy.

Does it include OEM parts coverage?
OEM parts coverage is a highlighted feature for GM vehicles, subject to availability and policy terms.

Is General Motors Insurance available in every state?
No. Availability has expanded over time but still varies. A quote or official site eligibility check is the only reliable answer for your ZIP.

Who underwrites the auto policy?
Auto policies are typically underwritten by GM National Insurance Company (and related entities that market as General Motors Insurance). Home products may use other underwriters.

Bottom line

General Motors Insurance is worth a quote if you drive a GM vehicle and care about OEM repairs plus connected-car pricing. Treat it like any carrier: match coverage limits, read the exclusions, and keep the cheaper/better policy—even if it is not the GM brand.