Direct Auto Auto Insurance Review (2024)
Direct Auto sells policies to high-risk drivers who may have trouble finding coverage. High-risk car insurance is more expensive, but Direct Auto auto insurance reviews find low rates for most drivers. Those with tickets or accidents can get affordable Direct Auto auto insurance rates at $142/mo.
Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
UPDATED: Jun 12, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 12, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Direct Auto
Average monthly rate for good drivers:
$150A.M. Best rating:
A+Complaint level:
LowPros
- 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
Cons
- 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
- 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
Direct Auto offers car insurance coverage to high-risk individuals who may need SR-22 auto insurance 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.
What You Should Know About Direct Auto Insurance
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 sells affordable high-risk auto insurance and allows SR-22 filings for people who need them.
High-risk car insurance can get expensive, but Direct Auto auto insurance reviews find a variety of 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.
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Direct Auto Insurance Ratings and Reviews
Direct Auto Insurance has an A+ rating with the BBB. However, Direct Auto has a fair number of complaints on the BBB website concerning the claims process.
Many Direct Auto insurance reviews discuss the lack of timely response from the Direct Auto insurance claims department 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.
Pros and Cons of Direct Auto Insurance
So, is Direct Auto insurance a good company? Let’s look at the pros and cons. Here are some of the best things about Direct Auto insurance plans:
- Covers high-risk drivers
- SR-22 filings
- Bundling options with different insurance policies
- Flexible Direct Auto insurance 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 in 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 Direct Auto insurance quotes online and compare them with other competitors. Comparing quotes will allow you to learn which companies will offer you the coverage you need at the best price and help you decide whether finding Direct Auto insurance near you is worth it.
Direct Auto Insurance Coverage Options
Direct Auto offers standard options for car insurance coverage. Here are some of the Direct Auto car insurance options:
- Liability auto insurance
- Collision auto insurance
- Comprehensive auto insurance
- Medical payments
- Personal injury protection
- Uninsured/underinsured motorist
Unfortunately, a Direct Auto insurance policy does not offer some of the additional coverage options that other insurers include in their policies. For example Direct Auto does not include gap insurance or rideshare insurance, so it may not be the best company for a person looking for robust coverage with many options.
Direct Auto Insurance Add-Ons
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.
Direct Auto Insurance Rates Breakdown
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Comparing the Cost of Direct Auto Insurance Quotes
A Direct Auto insurance quote will vary in cost from one person to the next. Insurance companies assess a person’s risk by evaluating many different factors, including:
- Age
- Gender
- Marital status
- Car make and model
- Driving history
- Credit score
- ZIP code
- Types of coverage
The table below provides an idea of Direct Auto’s liability insurance rates for liability-only policies.
| Insurance Company | Monthly Rates |
|---|---|
| Allstate | $61 |
| American Family | $44 |
| Direct Auto | $44 |
| Farmers | $53 |
| Geico | $30 |
| Liberty Mutual | $67 |
| Nationwide | $44 |
| Progressive | $39 |
| State Farm | $33 |
| Travelers | $38 |
| USAA | $22 |
| U.S. Average | $45 |
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:
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| Insurance Company | Monthly Rates |
|---|---|
| Allstate | $160 |
| American Family | $117 |
| Direct Auto | $115 |
| Farmers | $139 |
| Geico | $80 |
| Liberty Mutual | $174 |
| Nationwide | $115 |
| Progressive | $105 |
| State Farm | $86 |
| Travelers | $99 |
| USAA | $59 |
| U.S. Average | $119 |
- Rates for auto insurance for teens 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 that other insurance companies may likely turn down.
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.Jeffrey Manola Licensed Insurance Agent
Remember that the average auto insurance rates by age can vary. The following tables show insurance rates for drivers who are considered high-risk.
| Insurance Company | One Ticket | Clean Record |
|---|---|---|
| Allstate | $188 | $160 |
| American Family | $136 | $117 |
| Direct Auto | $141 | $115 |
| Farmers | $173 | $139 |
| Geico | $106 | $80 |
| Liberty Mutual | $212 | $174 |
| Nationwide | $137 | $115 |
| Progressive | $140 | $105 |
| State Farm | $96 | $86 |
| Travelers | $134 | $99 |
| USAA | $67 | $59 |
| U.S. Average | $147 | $119 |
While getting a ticket won’t raise your rates too drastically, you’ll still notice a difference if you haven’t had one before. A DUI, however, will result in a more severe increase in rates.
| Insurance Company | Clean Record | One Accident | One DUI | One Ticket |
|---|---|---|---|---|
| Allstate | $160 | $225 | $270 | $188 |
| American Family | $117 | $176 | $194 | $136 |
| Direct Auto | $115 | $172 | $197 | $141 |
| Farmers | $139 | $198 | $193 | $173 |
| Geico | $80 | $132 | $216 | $106 |
| Liberty Mutual | $174 | $234 | $313 | $212 |
| Nationwide | $115 | $161 | $237 | $137 |
| Progressive | $105 | $186 | $140 | $140 |
| State Farm | $86 | $102 | $112 | $96 |
| Travelers | $99 | $139 | $206 | $134 |
| USAA | $59 | $78 | $108 | $67 |
| U.S. Average | $119 | $173 | $209 | $147 |
Finally, while an accident won’t prevent you from getting insurance, it will increase your rates.
| Insurance Company | One Accident | Clean Record |
|---|---|---|
| Allstate | $225 | $160 |
| American Family | $176 | $117 |
| Direct Auto | $172 | $115 |
| Farmers | $198 | $139 |
| Geico | $132 | $80 |
| Liberty Mutual | $234 | $174 |
| Nationwide | $161 | $115 |
| Progressive | $186 | $105 |
| State Farm | $102 | $86 |
| Travelers | $139 | $99 |
| USAA | $78 | $59 |
| U.S. Average | $173 | $119 |
Direct Auto could be a good choice if you’re a driver in need of high-risk auto insurance, even if it means paying higher-than-average rates for coverage.
Direct Auto Insurance Discounts Available
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 auto insurance 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.
Frequently Asked Questions
Is Direct Auto insurance legit?
Yes, Direct Auto insurance is legit. In fact, Direct Auto is a good insurance company that offers various insurance products, including car insurance, term life insurance, and health insurance.
How long has Direct Auto Insurance been around?
Direct Auto was founded in 1991 and has been around for 32 years.
Who bought Direct Auto Insurance?
Direct Auto Insurance is owned by National General since 2016 through its affiliate Direct General Group.
Are Direct Auto and Direct General Insurance the same company?
They are not the same company, but Direct Auto is a part of the Direct General Group, which is owned by National General.
What factors affect Direct Auto auto insurance rates?
The cost of Direct Auto auto insurance depends on several factors, such as your driving record, the type of vehicle you own, your age and gender, your location, and the coverage options you choose. These factors help determine the risk profile and premium rate for your policy.
Can I customize my coverage with Direct Auto Auto Insurance?
Yes, Direct Auto Auto Insurance offers customizable coverage options. You can select the type and level of coverage that suits your needs, including adding additional features like roadside assistance or rental car reimbursement.
How to file a claim with Direct Auto Auto Insurance?
To file Direct Auto insurance claims, you can contact their claims department through Direct Auto insurance website or by phone. They will guide you through the process, including documenting the incident, providing necessary information, and assisting with repairs or compensation.
Is Direct Auto Insurance the same as Allstate?
No, Direct Auto Insurance and Allstate are two separate companies.
Does Allstate own Direct Auto insurance?
No, Direct Auto is owned by National General.
Does Direct Auto have homeowners insurance?
Direct Auto does not offer homeowners insurance. They specialize primarily in auto insurance, particularly for high-risk drivers. Direct Auto also provides term life insurance, motorcycle, and commercial auto insurance
Does Direct Auto have renters insurance?
Direct Auto does offer renters insurance in select states. If you want to purchase renters coverage, you will need to call Direct Auto insurance directly to speak with an agent. Direct Auto insurance can be also purchased online.
How to add vehicle to Direct Auto insurance?
You can manage your policy through their online portal, MyAccount, or by contacting Direct Auto insurance phone number directly. They offer options to get assistance both online and through local agents, making policy management relatively flexible.
How to cancel Direct Auto insurance?
To cancel your Direct Auto policy, you would need to contact Direct Auto insurance directly by phone.
How much is Direct Auto insurance?
The cost of Direct Auto insurance can vary significantly depending on factors like your driving history and age. For instance, monthly premiums average $230, for drivers with a clean driving record to as high as $400 per month, following an at-fault accident.
How good is Direct Auto insurance?
Direct Auto insurance has a high number of complaints relative to its size, which could be a consideration if you’re looking for an insurer with a strong reputation for customer satisfaction. However, Direct Auto insurance BBB rating is an A+.
Does Direct Auto have gap insurance?
Gap insurance isn’t available through Direct Auto insurance plans.
Does Direct Auto insurance have a 24-hour customer service?
Direct Auto Insurance does not have 24-hour customer service for general inquiries. However, Direct Auto insurance provides 24/7 roadside assistance for emergencies.
What’s Direct Auto insurance address?
Direct Auto insurance headquarters address is located at: is 1281 Murfreesboro Pike, Nashville, TN 37217-2423.
How is Direct Auto insurance rated?
Direct Auto Insurance has an A+ rating with the BBB.
Does Direct Auto insurance have an app?
Yes, Direct Auto Insurance have a mobile app that allows users to manage their policy, pay Direct Auto bills, file Direct Auto claims, and access their insurance ID cards.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Lilzoyzom
[REDACTED NAME] helped quickly and efficiently! Very knowledgeable!
midsouthman
Direct Insuance -Check for add ons
Flytalkin
Get that auto insurance
blee85
Direct Auto
staffco09
Best Ins rates around
Biazzzzoo
cheapest in town
rawdawg42034
So easy to work with and give a lot of leeway
tr_pe
What a surprise!
sally32012
Bad Experience
arnoldjess1121
Great