General Motors to enter California car insurance market

General Motors  is preparing to launch its 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.