Western General Car Insurance Review [2024]

Western General Insurance is one of many small car insurance companies that provided basic car insurance. However, Western General went out of business in 2021 and has stopped providing insurance. If you need to learn more about Western General’s history and closure, read our Western General insurance review below.

If you are looking to replace affordable Western General car insurance, enter your ZIP code into our free quote comparison tool above.

What is Western General?

The Western General car insurance company was founded in 1971. It provided car insurance for individuals in 16 states and Washington, D.C. Western General used a network of independent agents called “producers.”

Western General insurance was available in Alabama, Arizona, California, Colorado, Washington, D.C., Florida, Georgia, Illinois, Maryland, Missouri, Nevada, New Jersey, Pennsylvania, Tennessee, Texas, Utah, and Virginia.

Unfortunately, Western General was ordered by the Los Angeles County Supreme Court to be liquidated on August 5, 2021. Therefore, Western General no longer provides policies, and existing customers were forced to find insurance elsewhere.

What products does Western General insurance provide?

Western General no longer provides insurance policies since the company has been liquidated. However, if you’re trying to learn more about an old policy, you may find some basic information about Western General’s previous products below.

Western General provided personal car insurance policies, including bodily injury liability, property damage liability, and uninsured/underinsured motorist coverage. The company may also have provided collision and comprehensive coverage.

Bodily injury and property damage liability cover other people’s injuries and damage to their property if you are responsible for causing an accident. Uninsured/underinsured motorist coverage will cover your injuries and damages if you have an accident with someone who doesn’t have enough insurance.

Collision and comprehensive coverage provide higher levels of coverage. For example, instead of only covering other people’s expenses, it will also cover yours even if you cause an accident or if an event occurs that is out of your control, such as a natural disaster.

Western General also offered limited commercial car insurance for car dealers and collateral protection insurance for independent finance companies.

How much does Western General car insurance cost?

As stated above, Western General no longer provides car insurance. However, when they were still in business, they aimed to offer affordable rates for their customers.

To give you an idea of what Western General car insurance rates may have been, here are some average annual car insurance rates from major car insurance companies:

Average Annual Car Insurance Rates Based on Age, Gender, and Marital Status

Company	Average Annual Rates Single 17-Year-Old Female	Average Annual Rates Single 17-Year-Old Male	Average Annual Rates Single 25-Year-Old Female	Average Annual Rates Single 25-Year-Old Male	Average Annual Rates Single 35-Year-Old Female	Average Annual Rates Single 35-Year-Old Male	Average Annual Rates Single 60-Year-Old Female	Average Annual Rates Single 60-Year-Old Male
	$9,282.19	$10,642.53	$3,424.87	$3,570.93	$3,156.09	$3,123.01	$2,913.37	$2,990.64
	$5,996.50	$8,130.50	$2,288.65	$2,694.72	$2,202.70	$2,224.31	$1,992.92	$2,014.38
	$8,521.97	$9,144.04	$2,946.80	$3,041.44	$2,556.98	$2,557.75	$2,336.80	$2,448.39
	$5,653.55	$6,278.96	$2,378.89	$2,262.87	$2,302.89	$2,312.38	$2,240.60	$2,283.45
	$11,621.01	$13,718.69	$3,959.67	$4,503.13	$3,802.77	$3,856.84	$3,445.00	$3,680.53
	$5,756.37	$7,175.31	$2,686.48	$2,889.04	$2,360.49	$2,387.43	$2,130.26	$2,214.62
	$8,689.95	$9,625.49	$2,697.73	$2,758.66	$2,296.90	$2,175.27	$1,991.49	$2,048.63
	$5,953.88	$7,324.34	$2,335.96	$2,554.56	$2,081.72	$2,081.72	$1,873.89	$1,873.89
	$9,307.32	$12,850.91	$2,325.25	$2,491.21	$2,178.66	$2,199.51	$2,051.98	$2,074.41
	$4,807.54	$5,385.61	$1,988.52	$2,126.14	$1,551.43	$1,540.32	$1,449.85	$1,448.98

Western General did not have any discounts listed on its website, attributed to the fact that it already provided affordable rates.

How are Western General’s industry ratings?

Western General is no longer in business, but you can still find many Western General insurance complaints online. Many consumer review websites rate Western General with 1/5 stars.

The BBB and A.M. Best do not currently have ratings for Western General since it is no longer in business.

The NAIC has Western General’s complaint index listed as 25.31. Compared to the national average of 1.00, Western General’s complaint index indicates that the company has gotten significantly more complaints than companies of a similar size.

How do I file claims or get car insurance quotes?

While Western General’s website seems to be still functional, it is not recommended that you use it to perform functions such as filing Western General insurance claims or making Western General insurance payments.

Before the company went out of business in 2021, policyholders could file claims and make Western General Insurance Company online payments using the Western General insurance Quick Pay option. However, some customers complained about being charged for their insurance right before the company’s liquidation date.

Since Western General is out of business, you can no longer receive Western General car insurance quotes.

How do I contact Western General Insurance Company?

Western General still has its website online, including all of its old contact information and notices related to its liquidation.

Previously, you could reach Western General insurance customer service by calling the Western General insurance phone number. However, on May 26, 2021, the California Insurance Commissioner was appointed Conservator of Western General Insurance Company.

If you need help with business relating to Western General, you can view the liquidation information from the Conservation & Liquidation Office or contact Scott Pearce at (415) 676-5013 or [email protected].

Should I buy Western General car insurance?

Western General car insurance is no longer available to buy. However, before the company went out of business, it may have provided basic car insurance to high-risk drivers.

However, Western General was not typically a company that experts recommended because it lacked the reputation of a larger company, and it got many bad customer reviews. The company’s financial situation was also questionable at times.

If you need to find affordable car insurance from a reputable company that can meet its financial obligations, enter your ZIP code into our free quote comparison tool below.