GM Insurance Enters Maryland, Reaching a 21-State Footprint

By Olivia Hart

General Motors Insurance will expand into Maryland, becoming available in 21 states, the company announced. Maryland owners of Chevrolet, Buick, GMC and Cadillac vehicles will be able to obtain coverage, according to General Motors.

What does the Maryland rollout include?

General Motors Insurance said its connected technology can “save safe drivers money” by collecting data on driving behavior and vehicle operation. The information covers the time of day and duration of driving, miles driven, speed, changes in speed and seat-belt usage.

General Motors said the policies also cover repairs using original GM-manufactured parts. They include “accident forgiveness,” a deductible waiver and other discounts, although the announcement defines none of those terms.

The savings claim remains unquantified. General Motors supplied no Maryland premium example, discount percentage, safe-driver threshold or calculation method, so customers cannot determine from the announcement what they would pay or save.

Takeaway: Maryland expands the market, but not the evidence needed to price the advertised benefit.

Where is General Motors Insurance available?\n

The company listed 21 states after adding Maryland to its auto insurance offering:

• Alabama, Arizona, Arkansas, Colorado and Florida.
• Georgia, Illinois, Indiana, Iowa and Louisiana.
• Maryland, Michigan, Minnesota, Missouri and Ohio.
• Oklahoma, Pennsylvania, Tennessee, Texas, Virginia and Wisconsin.

General Motors did not disclose how many policyholders it has, how much premium the business generates or when it plans to enter another state. The announcement also gave no specific Maryland availability date.

Takeaway: The footprint is broad, but its financial scale and next move remain unstated.

Why does the privacy history matter?\n

In 2024, GM Financial rebranded OnStar Insurance as General Motors Insurance. The rebrand followed consumer complaints that OnStar shared driver information with LexisNexis and Verisk without consumers’ knowledge. The complaints also said those companies then passed the information to insurance companies.

That history complicates the new product’s pitch. General Motors now offers insurance that uses connected-vehicle data to promise savings, while its handling of driver information remains under legal scrutiny.

General Motors did not say whether Maryland applicants will receive different consent terms from earlier customers. It also did not explain data retention, sharing rules or how the new program separates itself from the conduct consumers complained about.

Takeaway: Data-based savings cannot be evaluated separately from the consent controversy surrounding the same information.

What did the $220 million settlement cover?\n

Last week, General Motors agreed to pay $220 million to resolve privacy claims by attorneys general of 35 states and the District of Columbia. The announcement did not identify every claim covered, the settlement’s nonfinancial terms or whether Maryland took part.

For General Motors, the payment puts a firm price on the privacy claims described in the announcement. The company still must show whether its insurance operation changed after the settlement, rather than merely changing the name of the OnStar Insurance product in 2024.

Takeaway: The settlement quantifies the cost of privacy risk, but its practical effect on General Motors Insurance remains unclear.

What should Maryland drivers verify?\n

Drivers should obtain the actual Maryland premium quote and the rules governing safe-driver status, connected-data use and each advertised discount. They also need the terms for original-parts repairs, accident forgiveness and the deductible waiver, none of which the announcement fully explains.

The questions are practical rather than promotional. A lower advertised price carries less value if exclusions or data conditions are difficult to compare.

Takeaway: Maryland will test whether General Motors can turn connected-driver data into measurable savings while giving customers clearer consent terms than OnStar provided.