Reliant General auto insurance is a regional carrier that markets itself as a budget‑friendly option for drivers seeking basic liability and optional comprehensive coverage. This review breaks down the company's licensing status, coverage tiers, pricing ranges, claims process, and overall customer satisfaction so you can decide if Reliant General fits your needs.
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Company Background and Licensing
Reliant General Insurance Company, headquartered in Dallas, Texas, has been operating since 1998. It is licensed in 30 U.S. states and the District of Columbia, holding a surplus line status in several jurisdictions, which means it is not required to file rates with state insurance departments but must meet financial solvency standards.
Coverage Options
Reliant General offers the standard trio of auto policies—liability, collision, and comprehensive—plus a few add‑ons. Below is a quick comparison of the main options.
| Coverage Type | What It Covers | Typical Limits |
|---|---|---|
| Liability (Bodily Injury & Property Damage) | Injuries to others and damage to their property | 25/50/25 (per person/per accident/property) |
| Collision | Damage to your vehicle from a crash, regardless of fault | Deductible $250‑$1,000 |
| Comprehensive | Theft, fire, vandalism, natural disasters | Deductible $250‑$1,000 |
| Uninsured/Underinsured Motorist | Coverage when the at‑fault driver lacks sufficient insurance | Same as liability limits |
| Medical Payments | Medical expenses for you and passengers | $5,000‑$10,000 per person |
Pricing Overview
Reliant General positions itself in the low‑to‑mid price tier. Because rates are not filed, they can vary widely by state, driver profile, and selected deductibles. Based on publicly available quotes from 2023‑2024, typical annual premiums are:
- Minimum liability (15/30) – $450‑$650
- Full coverage (liability + collision + comprehensive) – $950‑$1,350
- Discounts – multi‑car, safe driver, and annual payment discounts can shave 5‑15% off the base rate.
Claims Process and Customer Service
Reliant General processes claims through an online portal, a 24/7 toll‑free number, and a network of preferred repair shops. Key performance metrics from the National Association of Insurance Commissioners (NAIC) and the Better Business Bureau (BBB) are:
| Metric | Estimate or Range | Context |
|---|---|---|
| Average claim settlement time | 12‑18 days | Industry average is 14‑21 days |
| Customer satisfaction (J.D. Power) | 3.5/5 | Mid‑range for auto insurers |
| BBB rating | A‑ | Indicates good complaint resolution |
Policyholders report that the online portal is straightforward, but some note that phone support can experience longer hold times during peak periods.
Financial Strength and Stability
Reliant General's financial strength is assessed by AM Best, which assigned a "B+ (Good)" rating as of 2024. This rating suggests the company has adequate capital to meet its obligations but is less robust than top‑tier carriers (A‑ and above).
Pros and Cons Summary
Summarizing the most relevant factors helps readers quickly gauge suitability.
- Pros: Competitive rates for basic coverage, straightforward online tools, decent BBB rating, available discounts for safe drivers.
- Cons: Limited presence in only 30 states, lower financial‑strength rating, mixed customer‑service reviews, fewer optional coverages compared with larger insurers.
How Reliant General Stacks Up Against Major Competitors
Below is a side‑by‑side look at Reliant General versus three well‑known national carriers.
| Attribute | Reliant General | State Farm | GEICO | Allstate |
|---|---|---|---|---|
| States Served | 30 + DC | All 50 | All 50 | All 50 |
| Typical Full‑Coverage Premium (25/50/25) | $1,100 | $1,250 | $1,200 | $1,300 |
| J.D. Power Satisfaction | 3.5/5 | 4.1/5 | 3.9/5 | 3.8/5 |
| AM Best Rating | B+ | A+ | A+ | A |
Is Reliant General Right for You?
If you live in a state where Reliant General is licensed, have a clean driving record, and are looking for an affordable baseline policy without a lot of frills, the carrier can be a sensible choice. Drivers who prioritize extensive optional coverages, higher financial‑strength ratings, or a nationwide claims network may prefer larger insurers.
Tips for Getting the Best Quote
To maximize savings and coverage quality, follow these steps:
- Gather your driver history, vehicle VIN, and current policy details before requesting a quote.
- Compare at least three quotes, including Reliant General, to benchmark price and discounts.
- Ask about bundling auto with renters or homeowners insurance for additional savings.
- Review the deductible options; a higher deductible can lower premiums but increase out‑of‑pocket costs in a claim.
- Check the insurer's cancellation policy and any fees for early termination.