If you purchased a policy before 7/7/2023, please call 833.430.0184 to manage your policy.
Happy man with affordable car insurance

Auto Insurance Personalized to You

OnStar Insurance uses in-vehicle technology to customize your auto insurance rates. The safer you drive, the lower your price could be.

Extra Benefits Without an Extra Cost

OnStar Insurance values safe driving and rewards our drivers with extra benefits. By just driving safely, you could earn:

Accident Forgiveness

Sometimes accidents happen. With Accident Forgiveness safe drivers aren't penalized if they are in an accident.

Deductible Waiver

When the unexpected happens, safe drivers can skip the deductible on their claim.

No Gadgets Necessary

OnStar Insurance was created for General Motors vehicles. If you drive a Chevrolet, Buick, GMC and/or Cadillac that is a model year 2016 or newer, you can take full advantage of our safe driving program. Instead of plugging in a gadget or downloading an App to assess your driving, we can use the technology already working in your connected vehicle.

General Motors Connected Vehicle

What is a Connected Vehicle?

A Connected Vehicle enables capabilities such as in-vehicle Wi-Fi, real-time maps and certain remote functions just to name a few. It also provides information that helps us understand safe driving habits and personalize your rates. This technology is available in General Motors vehicles that are model year 2016 or newer.

Man driving a connected General Motors vehicle

Drive your Rate

Now more than ever, you can influence your auto insurance premium by driving safely. When personalizing your premium, we look at the following driving behaviors:

Buckle Up

Wearing your seat belt is important and could make the difference between life and death. We lower rates for drivers who consistently buckle up.

Smooth Driving

It’s important to be consistent and predictable when driving. Sudden actions like aggressive braking can lead to an accident.

Driving Frequency

The less often you drive the less likely you are to get into an accident. That’s why mileage is considered when applying for auto insurance.

Safe Travel Times

Some hours of the day are riskier than others. Visibility is lower late at night and early in the morning, and drivers are often not as alert which slows reaction time.1

Idle Time

Excessive idle time indicates a higher accident risk. Try to minimize the time you spend in traffic and with your vehicle idling.

Get Rewarded

Excelling in each of these categories unlocks extra benefits and rewards like our Accident Forgiveness and Deductible Waiver.

We Make it Simple

Whether you think you are a fantastic driver or not, check us out. There's nothing to lose with a free, no obligation quote.

Three simple steps to getting a quote
Frequently Asked Questions

Chevrolet, Buick, GMC and Cadillacs that are model year 2016 and newer are able to take full advantage of OnStar Insurance's auto insurance savings and rewards for safe driving. While we cannot access the driving information from earlier GM models and other vehicle brands, we offer traditional auto insurance coverage for them.

Absolutely. While we cannot access the driving information from non-connected GM models and other vehicle brands, we offer traditional auto insurance coverage for them.

Connected vehicle data provides information about driving behavior and mechanical operation of the vehicle. This information includes things like driving time of day and duration, miles driven, speed, change in speed and seat belt usage.


Just as safe driving lowers the cost of your auto insurance, risky driving behaviors could increase your rates. The good news is you have the power to drive your rate down instead of up.

OnStar Insurance uses driving data to personalize your auto insurance rate. This driving data is also used to reward safe driving. Safe drivers can earn Accident Forgiveness and Deductible Waiver at each renewal period. In the event of an accident, we use the data from your vehicle to simplify your claims experience.

Want to see how much you can save? Get a free quote today.