Direct Auto Car Insurance Review (2022)

Direct Auto specializes in covering high-risk drivers, who may have trouble finding coverage elsewhere.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Aug 18, 2022

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Things to Remember

  • Direct Auto is known for providing car insurance to those classified as high risk
  • Rates for Direct Auto insurance run higher than the rates of standard insurance companies
  • The company does not offer many add-on coverage options

If you are a high-risk driver looking for nonstandard car insurance, you may want to consider Direct Auto, a National General Insurance Group subsidiary. Direct Auto car insurance offers coverage for high-risk drivers and allows SR-22 filings for people who need them, though the company is not known for cheap high-risk auto insurance rates.

High-risk car insurance can get expensive, but Direct Auto offers options for discounts on coverage, including bundling auto and life insurance, to help policyholders save on coverage. So if you’re looking for a basic auto insurance policy that allows you to drive safely and legally in your state, Direct Auto may be a good fit.

What does Direct Auto offer for car insurance?

Direct Auto offers standard options for car insurance coverage. Here are some of the Direct Auto car insurance options:

Unfortunately, Direct Auto does not offer some of the additional coverage options that other insurers include in their policies, like GAP coverage or rideshare insurance. So Direct Auto is not the best company for a person looking for robust coverage with many options.

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Does Direct Auto have add-ons for coverage?

The Direct Auto insurance company does offer add-ons for auto insurance coverage. Some of the company’s most popular add-ons include the following:

  • Rental reimbursement
  • Towing and labor
  • Accidental death
  • Customizable payments

The add-ons offered by Direct Auto will add to your insurance premium, but people often include add-ons in a policy for peace of mind. For example, if you have towing and labor on your policy, you will feel safe and secure if your car ever breaks down and needs to be towed to a mechanic’s shop.

Can you get discounts with Direct Auto?

Unlike other companies that offer nonstandard car insurance coverage, Direct Auto provides several opportunities for policyholders to save money on their auto insurance rates by taking advantage of different discounts.

These are some of the discounts Direct Auto offers:

  • Military
  • Safe driver
  • Good student
  • Senior citizen
  • Multi-vehicle
  • Bundled policies
  • Policy renewal
  • Homeowner
  • Affinity

If you believe you may qualify for any of the discounts listed above, you can contact a Direct Auto representative to see how much a discount could help you save. Some discounts can help individuals save as much as 25% on their insurance policies.

How much does Direct Auto insurance cost?

An auto insurance policy with Direct Auto will vary in cost from one person to the next. Insurance companies assess a person’s risk by evaluating many different factors, including the following:

  • Age
  • Gender
  • Marital status
  • Car make and model
  • Driving history
  • Credit score
  • ZIP code
  • Types of coverage

If you’re curious how much you would pay for Direct Auto car insurance, you can get an insurance quote straight from the company’s website. The table below provides an idea of Direct Auto’s liability insurance rates to liability-only policies.

Direct Auto Insurance Average Annual Rates created 08-16-2022.csv
Full CoverageNational AverageDirect Auto Annual Full Coverage RatesDirect Auto Annual Minimum Coverage Rates
16 -year-old male with a clean record$7,421.90 $6,773.46 $2,750.69
16 -year-old female with a clean record$6,792.65 $6,469.97 $2,511.09
18 -year-old male with a clean record$6,034.06 $5,507.39 $2,357.74
18 -year-old female with a clean record$5,007.67 $4,770.23 $2,042.92
25 -year-old male with a clean record$1,795.32 $1,731.01 $650.19
25 -year-old female with a clean record$1,661.09 $1,663.53 $625.85
30 -year-old male with a clean record$1,669.41 $1,609.84 $604.68
30 -year-old female with a clean record$1,544.60 $1,547.08 $582.04
45 -year-old male with a clean record$1,431.27 $1,382.03 $523.53
45 -year-old female with a clean record$1,433.60 $1,408.15 $533.85
45 -year-old male with a DUI$2,507.31 $2,365.90 $915.90
45 -year-old female with a DUI$2,513.28 $2,411.43 $933.13
45 -year-old male with an accident$2,072.14 $2,069.72 $784.61
45 -year-old female with an accident$2,079.29 $2,113.60 $801.61
45 -year-old male with a ticket$1,761.96 $1,697.16 $642.72
45 -year-old female with a ticket$1,762.90 $1,726.03 $654.24
55 -year-old male with a clean record$1,357.49 $1,310.79 $493.99
55 -year-old female with a clean record$1,359.70 $1,335.57 $503.74
60 -year-old male with a clean record$1,314.89 $1,280.86 $499.62
60 -year-old female with a clean record$1,267.32 $1,252.16 $488.46
65 -year-old male with a clean record$1,400.94 $1,352.75 $515.35
65 -year-old female with a clean record$1,403.22 $1,378.31 $525.51
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Full coverage rates with Direct Auto are 27% higher than the national average. Additionally, the company’s rates in other common scenarios are often higher than other competitors:

  • Rates for teen drivers are almost 35% higher than the national average.
  • Rates for young adult drivers are 5% higher than the national average for men and 6% higher than the national average for women.
  • Rates for adult drivers are anywhere from 5% to 7% higher than the national average.
  • Rates for senior drivers are 6% to 9% higher than the national average.
  • Rates following a speeding ticket are nearly $500 more annually than the national average.
  • Rates following an accident are around 28% higher than the national average.
  • Rates following a DUI conviction are only 2% higher than the national average. 
  • Rates for individuals with poor credit are almost 7% higher than the national average. 

As you can see, Direct Auto does not specialize in cheap auto insurance rates. Instead, the company offers coverage to individuals other insurance companies may likely turn down. The following tables show insurance rates for drivers who are considered high risk.

Direct Auto Insurance Average Annual Rates with a Ticket
Full CoverageNational AverageDirect Auto Annual Full Coverage RatesDirect Auto Annual Minimum Coverage Rates
45 -year-old male with a clean record$1,431.27 $1,382.03 $523.53
45 -year-old female with a clean record$1,433.60 $1,408.15 $533.85
45 -year-old male with a ticket$1,761.96 $1,697.16 $642.72
45 -year-old female with a ticket$1,762.90 $1,726.03 $654.24
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While getting a ticket won’t raise your rates too drastically, you’ll still notice a difference if you hadn’t had one before. A DUI, however, will result in a more severe increase in rates.

Direct Auto Insurance Average Annual Rates with a DUI
Full CoverageNational AverageDirect Auto Annual Full Coverage RatesDirect Auto Annual Minimum Coverage Rates
45 -year-old male with a clean record$1,431.27 $1,382.03 $523.53
45 -year-old female with a clean record$1,433.60 $1,408.15 $533.85
45 -year-old male with a DUI$2,507.31 $2,365.90 $915.90
45 -year-old female with a DUI$2,513.28 $2,411.43 $933.13
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Finally, while an accident won’t prevent you from getting insurance, it will increase your rates. Steps can be taken to remove points from these high-risk incidents from your license, and if your monthly costs are getting too high, it might be an avenue worth considering.

Direct Auto Insurance Average Annual Rates with an Accident
Full CoverageNational AverageDirect Auto Annual Full Coverage RatesDirect Auto Annual Minimum Coverage Rates
45 -year-old male with a clean record$1,431.27 $1,382.03 $523.53
45 -year-old female with a clean record$1,433.60 $1,408.15 $533.85
45 -year-old male with an accident$2,072.14 $2,069.72 $784.61
45 -year-old female with an accident$2,079.29 $2,113.60 $801.61
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Direct Auto could be a good choice if you’re a high-risk driver, even if it means paying higher-than-average rates for coverage.

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Does Direct Auto have good ratings and reviews?

Direct Auto has an A+ rating with the Better Business Bureau (BBB), but the company has a fair number of complaints on the BBB website concerning the claims process. 

Many Direct Auto reviews discuss the company’s lack of timely response when handling car insurance claims. In addition, many different Direct Auto policyholders have been unhappy with how long it has taken to receive a proper payout from the company following a covered event.

What are the pros and cons of a Direct Auto policy?

So, is Direct Auto good insurance? Let’s look at the pros and cons. Here are some of the best things about a car insurance policy with Direct Auto:

  • Covers high-risk drivers
  • SR-22 filings
  • Bundling options with different insurance policies
  • Flexible payment options
  • Multiple discount options
  • Online quotes and claims filing options

Still, there are some downsides to a Direct Auto insurance policy, including the following:

  • A high number of customer complaints
  • A slow claims process
  • A lack of additional coverages, like GAP or rideshare insurance
  • An absence of ratings with most industry studies
  • Limited availability depending on location and other qualifications

If you feel like Direct Auto may be the company for you, it’s still essential to find and compare quotes from other companies. Comparing quotes will allow you to learn which companies will offer you the coverage you need at the best price. 

Direct Auto Car Insurance: The Bottom Line

Direct Auto offers car insurance coverage to high-risk individuals who may need SR-22 filings or who may have trouble finding insurance with other providers. The company offers straightforward coverage options and allows policyholders to qualify for discounts on coverage.

Auto insurance rates with Direct Auto can be expensive, so people need to shop online and compare insurance quotes before committing to a Direct Auto policy.

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Frequently Asked Questions: Direct Auto Insurance Review

Still have questions about Direct Auto Insurance? Keep reading to learn more.

Does Direct Auto offer other types of insurance?

In addition to car insurance, Direct Auto offers the following insurance options:

  • Homeowners insurance
  • Renters insurance
  • Life insurance
  • Health insurance
  • Business insurance

Direct Auto offers a bundling discount to policyholders who choose to buy more than one type of policy.

How can I get a Direct Auto insurance quote?

You can get a quote with Direct Auto by visiting the company’s website or calling and speaking with a company representative. 

In which states is Direct Auto coverage available?

Direct Auto offers car insurance in the following states: 

  • Alabama
  • Arkansas 
  • Florida 
  • Georgia
  • Louisiana 
  • Mississippi
  • North Carolina
  • Ohio
  • South Carolina
  • Tennessee
  • Texas
  • Virginia
  • Washington

Rates for Direct Auto insurance will vary depending on where you live.

How can I file a claim with Direct Auto?

To file a claim with Direct Auto, you can call 1-800-403-1077. You will need to have your vehicle and policy information ready when you call to file a claim.

How can I cancel my Direct Auto policy?

You can submit a handwritten statement to a Direct Auto office or fax a statement to 877-622-7338. The information must include your name, policy number, address, date of birth, the date the policy should be canceled, and your signature.

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