All Star General Car Insurance Review & Ratings

All Star General Insurance offers four coverage types: comprehensive, liability, collision, and full. If you are interested in purchasing auto insurance from All Star General, you can contact an insurance agent.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Apr 4, 2022

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The Rundown

  • The Better Business Bureau (BBB) gave All Star General Insurance an F rating.
  • All Star General offers auto insurance for nonstandard drivers.
  • Rates are unavailable online but can be discussed further with an insurance agent.

The All Star General Insurance Agency, which was called Personable Insurance in the past, was created in 2009. This company was founded in Southern California, specifically Huntington Beach, and is now based in Irving, TX.

All Star General Insurance is part of the Bluefire Insurance family. Bluefire is a managing general agent (MGA) of All Star General, and they underwrite auto policies from All Star General.

All Star General specializes in the California auto insurance market, even though they are based out of Texas. However, they also offer some policies in Arizona, Texas, and Washington. Although, they do not seem to be a famous or well-known provider in those states.

All Star General, along with Bluefire, seems to be expanding and looking for new agents, which means they may cover other states and additional areas in the future.

The All Star General website is very to the point and designed for insurance agents. We have compiled all the information you need to know about them in this review. We will give you an overview of All Star General’s policies, customer complaints, and contact information.

What makes All Star General special?

All Star General Insurance is a non-standard auto insurance company that offers policies to those with abnormal conditional requirements. Drivers with bad credit, a long history of accidents, and those who need an SR-22 certificate should consider policies with All Star General.

Many drivers with DUIs are required by law to obtain an SR-22 certificate before being able to drive again. SR-22s are state certificates that check whether a person’s insurance will cover their liability requirements under state law. Drivers who engage in reckless driving or have been caught without insurance may also be required to have an SR-22.

All Star General does not list much of its information online, so finding specific benefits, costs, and add-ons can be difficult. Bluefire Insurance, which All Star General is an affiliate of, is also known to specialize in non-standard auto insurance.

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How much does an All Star General policy cost?

All Star General does not give any specific price information online, but All Star General Insurance does offer pay out submissions online. While it is difficult to judge how much All Star may charge for a specific driver, there are a few factors that determine overall auto insurance prices.

  • Age. As long as you are not in many accidents, your insurance costs should decrease as you get older. Insurance rates may go up again slightly if you are older than 60.
  • Gender. Males are more likely to be in accidents than females and get charged slightly higher rates. While this doesn’t pertain to policies under All Star General, Hawaii and Massachusetts do not consider gender when determining auto insurance policies. So, if you are moving to California from those states, expect a lower rate if you are female and a higher rate if you are male.
  • Location. All Star General Insurance only offers policies for those who live in California. However, those who live in Los Angeles, San Francisco, and Sacramento may have slightly higher rates based on trends from other California insurance companies.
  • Family Status. Married families with no children covered generally pay less for insurance than married families with children of driving age. Married people also pay less for auto insurance than non-married, divorced, or widowed individuals.
  • Vehicle Status. Your insurance costs also may be raised or lowered based on the type of car you drive and the condition of your car. Sports cars and muscle cars have higher monthly costs.
  • Driving Record. The most significant determining factor of auto insurance costs is your driving record. All Star General Insurance specializes in nonstandard drivers, which means they design policies and determine risk for drivers with poor driving records. The best way of determining whether your driving record has a high impact on your potential insurance costs is to contact All Star General Insurance phone number listed below.

While All Star General specializes in non-standard policies, they probably also offer options for standard drivers. However, due to the increased risk of providing insurance for someone with a complicated driving record, standard policyholders are likely charged higher rates than those under auto insurance companies that do not accept non-standard drivers. A smaller number of clients may also make rates go up.

What are the specific costs and benefits of an All Star General Insurance policy?

According to our research, All Star General Insurance provides three main types of coverage — Comprehensive, Basic Liability, and Collision. They also offer multiple add-ons, such as roadside assistance and rental reimbursement.

  • Comprehensive. Comprehensive policies cover individuals who have their cars stolen or damaged in non-car accidents. Vandalism and natural disasters are everyday things that are covered under comprehensive auto insurance, while car-to-car accidents on the road are not covered. Comprehensive policies usually have you pay a set deductible for car repair, and then your insurance company covers the rest.
  • Basic Liability. Liability insurance kicks in if you injure another driver or another person’s property while driving your car. Without a liability policy, you are entirely at fault and may have to recuperate all medical, property, and legal costs of the person you injured.
  • Collision. Collision auto insurance will cover your car in single-car rollouts, car-to-car accidents, and car-to-object collisions. Collision policies do not cover the cost of other vehicles you may have damaged in an accident. Collision insurance requires you to pay a set deductible for repair costs.

Bluefire Insurance offers additional types of add-ons, which likely can also be provided by All Star General. Bluefire offers multi-car discounts, safe driver discounts, in-agency renewal discounts, and reduced costs under prior protection. Remember that Bluefire underwrites policies for All Star General, which means that All Star General may not offer similar add-ons.

All Star General prides itself on being competitive, so at the very least, it is likely that they offer some add-ons and meet California law requirements for insurance coverage benefits.

What do credit agencies and customers think about All Star General?

None of the major credit agencies have given All Star General Insurance a review. However, the Better Business Bureau (BBB) gave All Star General an F rating. There is no detailed report on All Star General’s issues; however, customer reports on the BBB website corroborate All Star General’s negative reputation.

In general, online reviews view All Star General in a very negative light. Many people have had issues with All Star General canceling their policy without prior warning. People have also said that All Star General Insurance customer service is difficult to reach and is unhelpful.

Is All Star General Insurance the right choice for you?

All Star General Insurance lacks industry standing and makes it difficult for ordinary customers to obtain information online. Due to the negative reviews, convoluted website structure, and the lack of transparency on pricing, All Star General probably isn’t the best choice for you.

However, All Star General does offer policies for many nonstandard drivers, so you should consider their policies if you are local to California and have broken state driving laws in the past.

The best way to reach All Star General Insurance customer service is through their main phone number, 800-202-7827, or their local number, 858-300-8875. They do not have any online chat box or communication option, but there is an option to pay your bill with All Star General Insurance online

Explore other auto insurance options by plugging in your ZIP code to our free quote tool. Many alternative insurance companies offer policies for nonstandard drivers, so it is best to compare and consider other options.

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