GM Insurance Expands Usage-Based Auto Policies to Arkansas, Colorado, Louisiana

General Motors Insurance has expanded its auto insurance program to three additional states: Arkansas, Colorado, and Louisiana, increasing its operational reach to 17 states. The program offers coverage for Chevrolet, Buick, GMC, and Cadillac vehicles from the 2016 model year onward, leveraging telematics to tailor pricing based on driving behaviors such as mileage, speed, and seat belt use. This usage-based insurance model rewards safe driving and integrates in-vehicle technology features including accident forgiveness and deductible waivers.

In Louisiana, General Motors Insurance operates under existing licenses held by its affiliated entities since 2006, ensuring regulatory compliance. The Louisiana Department of Insurance completed its review and approval of GM National Insurance Company's new personal auto insurance product, with official product launch in July 2025. This aligns with broader national trends in telematics-driven personalized insurance pricing.

State officials have acknowledged the program’s market entry within the context of ongoing insurance regulatory reforms. Louisiana’s leadership highlighted the new program as an outcome of recent legislative efforts to increase consumer options in the state's auto insurance market. The Louisiana Department of Insurance reaffirmed its commitment to maintaining regulatory oversight while encouraging innovation and expanded offerings for policyholders.

This program expansion illustrates the growing role of connected vehicle data and telematics in underwriting and pricing within the auto insurance sector. It also reflects regulatory approval processes that balance innovation with compliance to state insurance laws. Industry stakeholders should monitor such developments as indicative of broader shifts toward usage-based insurance models and enhanced technology integration in policy offerings.