Auto Insurance Comparison
MEEMIC vs The General
Side-by-side comparison of MEEMIC vs The General auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
MEEMIC comes out clearly ahead The General in our overall scoring — but each carrier wins on different dimensions. See the breakdown below before deciding.
Head-to-head
Overall scores, key facts, and what each is known for.
| MEEMIC | The General | |
|---|---|---|
| Overall score | 3.95 /5 ★★★★★ Highest overall | 3.25 /5 ★★★★★ |
| Best for | MEEMIC started as the Michigan Education Employees Mutual Insurance Company and still leans heavily into that origin — many policies trace back to educators | The General writes non-standard auto insurance for drivers who can't easily get coverage from mainstream carriers |
| Read full review | MEEMIC review → | The General review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | MEEMIC | The General |
|---|---|---|
| Customer experience | 4.30 | 3.00 |
| Coverage breadth | 3.90 | 3.00 |
| Affordability | 3.70 | 3.80 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
MEEMIC
Full review →Pros
- Strong customer satisfaction reputation, particularly among education professionals
- Backed by Auto-Owners — solid financial strength and claims infrastructure
- Competitive group discounts for school employees, administrators, and retirees
- Local Michigan agent presence with deep state-specific expertise
Cons
- Michigan-only — not available anywhere else in the U.S.
- Eligibility tilts toward education-affiliated drivers (though now open more broadly)
- Less digital self-service than national pure-plays
The General
Full review →Pros
- Strong specialization in non-standard risk — accepts drivers others reject
- Quick online quotes including SR-22 filings
- Available in 45 states, broader than most non-standard competitors
- Affordable for high-risk profiles that mainstream carriers price out
Cons
- Customer satisfaction and claims experience trend below industry averages
- Standard-risk drivers will pay more here than at mainstream carriers
- Coverage menu is intentionally minimal — limited add-on options
Coverage at a glance
What each carrier offers in standard policies.
MEEMIC
The General
The bottom line
MEEMIC
If you're in Michigan with any connection to education — current employee, retired, family member — MEEMIC deserves a quote. Outside Michigan it isn't an option.
Read the full MEEMIC reviewThe General
If you've been denied by mainstream carriers or need SR-22 filing, The General is a legitimate option. If you're a standard-risk driver, you're paying for risk pooling you don't need — get quotes from GEICO and Progressive first.
Read the full The General reviewBefore you decide
Rankings are a starting point — your profile decides the rest.
These scores reflect our editorial research across cost, coverage, and customer experience. The right carrier for you still depends on your record, location, and vehicle, so read the full reviews before you commit.