GM National Insurance Company, part of General Motors, is preparing to launch a new personal auto insurance program in California. The program is scheduled to take effect in March 2026 and represents GM’s latest move to expand beyond vehicle financing and into the insurance space.
The new product covers the full range of private passenger auto protections, including liability, comprehensive, collision, and uninsured motorist coverage. It also includes optional endorsements such as transportation network and delivery coverage for rideshare and gig drivers, as well as roadside assistance and OEM parts replacement for General Motors vehicles. Customers will be able to manage their policies online through gminsurance.com, with OnStar serving as an integrated channel for accident detection and claims notification.
The company emphasizes digital servicing, telematics, and automated claims handling. Policies require prompt notice of accidents—within 20 days for most claims and 10 days for uninsured motorist property damage—along with detailed information and cooperation. Claims will be supported by digital inspection tools, third-party databases, and estimating systems, pointing to a streamlined, data-driven approach similar to other automaker-led insurance models.
Currently, GM insurance is available in 18 states, including Alabama, Arizona, Arkansas, Colorado, Georgia, Florida, Illinois, Indiana, Iowa, Louisiana, Minnesota, Missouri, Ohio, Oklahoma, Pennsylvania, Tennessee, Texas, and Virginia. Texas remains its largest market, with over 8,400 policyholders and $12.3 million in written premium, followed by Illinois, Arizona, and Indiana.
This move positions GM to compete more directly with Tesla Insurance and other manufacturer-backed insurers that use vehicle data to personalize pricing and improve claims efficiency. While Tesla continues to rely on proprietary driving behavior metrics, GM is leveraging its OnStar ecosystem to deliver comparable capabilities across a much broader customer base. The inclusion of coverage for delivery and rideshare use suggests GM aims to appeal to a wider range of drivers, including those who use their vehicles for part-time commercial activity.