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OnStar Car Insurance Review

Daniel Blechynden
Feb. 25, 2024
3 min read
Daniel Blechynden
OnStar Insurance Summary
OnStar Insurance offers flexible auto insurance backed by a range of discounts and customizable policies. Its online quote portal is straightforward, and the sales team is available to assist you where needed. OnStar works with various insurance partners, and policies are issued and underwritten by these companies. Overall, it’s a decent option if you’re looking for a flexible policy with smooth online claims.


  • Various discounts available
  • Customizable policies
  • Roadside assistance add-ons available


  • Can be a little pricey
  • Limited support hours

OnStar Insurance at a glance

Editorial score

Insurance Features

Choose deductible

Discounts Available

Multi-policy and bundle discounts, safe drivers, affiliation discounts, eco discounts + more

Customer Service

Limited customer support

Online Experience

Excellent site, online application, learning resources, mobile app

Direct Insurer?

Marketplace with direct purchase available

Types of Auto Insurance

OnStar offers the following types of insurance: 

Bodily injury

If someone is injured during a covered accident where you’re at fault, bodily injury coverage ensures that you won’t have to pay their medical expenses out of pocket. This also covers legal defense if you have a lawsuit filed against you as a result of injuries or death caused by a car accident. Here, you’ll have a coverage limit per person and per accident. The maximum coverage available is $250,000 per person or $500,000 per accident. 

Property damage

OnStar’s property damage coverage pays for damage to other people’s property, including vehicles, caused by an accident where you were at fault. Legal coverage is also included if a lawsuit is filed against you. The maximum coverage available is $250,000. 


Comprehensive vehicle insurance covers damage to your vehicle not caused by a collision. This includes damage from theft, vandalism, fire, or hail. In some cases, policies may also cover natural disasters like bushfires or floods. This coverage is optional, and the deductible ranges from $300 to $2,000. Expect to pay more per month with a lower deductible. 


OnStar’s collision coverage is similar to its comprehensive coverage, except that it covers damage caused by a collision with an object (for example, a tree) or another vehicle. Again, the deductible ranges from $300 to $2,000, and you can opt out of this coverage altogether if you want. 

Additional Features

OnStar offers a selection of extra features and optional add-ons with its auto insurance policies. 

Discounted policies

One thing that stands out to me is the number of discounts OnStar insurance offers for eligible customers. For starters, you can connect eligible General Motors vehicles to OnStar’s driver tracking system. If your tracked driving shows the attributes of a good driver, you may be able to access discounts of up to 20% on your policy. 

Even without an OnStar driver tracking system, you may be able to access discounts if you set up paperless automatic billing, have completed a four-year or longer college degree, are currently studying with a high grade-point average (GPA), or have completed a defensive driving course. 

OnStar Safety and Security Plan

OnStar’s optional Safety and Security Plan comes with a suite of extras, including comprehensive roadside assistance, automatic crash response, and stolen vehicle assistance. 

The Onstar Guardian mobile app comes with location services, an emergency notification button, and various other useful features. This is available as part of the Safety and Security Plan or as a stand-alone product, and I’d seriously recommend having a look at it. 

OnStar Connected Vehicles Plan

With the Connected Vehicles Plan, you’ll have access to a range of entertainment and other features. This includes a mobile hotspot inside your vehicle, HD video streaming for your passengers, and Alexa voice control for everything from changing the radio station to finding directions to your destination. 

How To Apply

You can start the application process by entering your ZIP code on the OnStar website and clicking the “Get a Quote” button. You’ll need to enter a small amount of personal information, including your name, address, and email, before giving the specifics of your vehicle and driving history. 

Here, you’ll have to enter the exact details of your vehicle to ensure you’re presented with the most appropriate insurance options. This includes your vehicle year, make, and model. OnStar will also ask you about any additional safety features, anti-theft devices, and what the vehicle is mainly used for. 

Next, you’ll be directed to a quotes page. You can adjust your coverage limits here. These limits have a direct impact on your quote price. After reviewing your quote, you can add more detailed information, including your vehicle identification number (VIN) and driver's license number. A further discount may be available if you have a good driving record. 

After this, it’s time to review your policy coverage and complete the checkout. You can either pay upfront (for a small discount) or with recurring monthly payments. The OnStar customer service team is available via live chat or phone if you have any issues during the application process.

I found the entire application process to be understandable and easy to work through, but make sure you have your vehicle details ready to go!

Filing a Claim

To make a claim with OnStar Insurance, you can either head to the claims section of the website or give the customer service team a call. The entire process is very straightforward, and there are clear directions on the company website outlining the steps you need to take. 

Generally, you'll need the following information when you’re submitting a claim: 

  • Date and time of the event
  • Insurance and contact details for the other party or parties
  • A written description of the event
  • Photos or videos of any damage

Once you’ve filed a claim, a member of the OnStar team will contact you within one or two business days to discuss your options. The company may send out a claims adjustor for large claims. 

Contact Details


  • 888-495-4674
  • Monday-Thursday, 8am-11pm (ET)
  • Friday, 8am-10pm (ET)
  • Saturday, 10am-4pm (ET)

Live chat

  • Monday-Friday, 9am-10pm (ET)


On balance, OnStar Insurance offers an attractive range of auto insurance options. You can tailor its policies to meet your needs and budget, and there are various discounts available for qualifying individuals. 

What’s more, OnStar has decent customer service, and add-ons include an optional roadside assistance package. Overall, I’d suggest having a chat with the OnStar team if you’re looking for a customizable auto insurance package with a user-friendly claims process. 

Daniel Blechynden
Written by
Daniel Blechynden
Contributing to many popular websites, Daniel’s writing focuses on technology, science, and dependable reviews. He holds degrees in Chemistry and Marine Science from the University of Western Australia and has been a regular critic of software, web hosting, website builders, and a variety of other tech products and services for several years, leaning on his academic background for rigor in research and writing.

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