Overview of Direct Auto Insurance Our opinion: Direct auto insurance is worth considering if you live in one of the 12 states it covers. It has a long list of discounts and can be a good choice for high risk drivers, but it is not among our top rated providers. Industry Status: 75 Availability: 70 Coverage: 85 Availability: 85 Customer Service: 80 Online Experience: 80 Pros: Flexible payment options Many Discount Opportunities Offers coverage for high-risk drivers Cons: Only available in 12 states Low volume of customer reviews79Compare quotes
Direct Auto Insurance is a small insurance company that promises to cover drivers regardless of their insurance history. If you are a high-risk driver, direct auto insurance may be a great option for you.
Our review team has carefully researched the best auto insurance providers by comparing them based on coverage, discounts, customer reviews, and more. We recommend getting quotes from multiple providers so you can find the one that gives you the best coverage at the lowest price. To get started, enter your zip code into our simple free quote tool.
Overview of Direct Auto Insurance
Direct Auto Insurance has specialized in non-standard auto insurance since 1991. Its policies are insured by Direct General Group, also known as National General Insurance. Although it is not one of the biggest car insurance companies, its website advertises low rates, flexible payment plans, and good customer service.
Direct Auto specializes in providing rates for high-risk drivers and drivers who need an SR-22 certification after committing a serious traffic violation such as a DUI or an accident while driving without insurance.
Coverage is available in the following 12 states:
- Alabama
- Arkansas
- Florida
- Georgia
- Louisiana
- Mississippi
- North Carolina
- Ohio
- South Carolina
- Tennessee
- Texas
- Virginia
Direct car insurance
Direct auto insurance offers vehicle insurance through a network of agents. The following types of auto insurance are available in Direct Auto:
- Liability for bodily injury: covers the medical bills of others after an accident caused by you and is required in most states.
- Liability for property damage: covers repair bills after an accident you caused and is required in most states.
- Injury protection (PIP): pays for certain medical expenses in the event of a car accident and is required in some states.
- clash . Helps pay for the repair or replacement of your own car after an accident you cause or if you hit an object such as a tree, post or fence.
- Complex. Helps pay for the repair or replacement of your vehicle if it is stolen or damaged as a result of an event other than a collision, such as a weather event.
- Medical payments (MedPay): additional coverage that covers medical, hospital and funeral expenses in the event of an accident, regardless of who is at fault.
- Uninsured motorist (UM coverage): helps pay for costs if you are injured in an accident and the driver at fault cannot be identified or does not have adequate insurance coverage.
In addition to standard auto insurance options, Direct Auto also offers the following auto insurance and related products:
- Towing
- Help on the road
- Motorcycle insurance
- Rent refund
- Auto insurance in Mexico
- Death Accident Insurance
- Commercial auto insurance
- Emergency protection plans
If you're not sure what type of coverage you need, one of the Direct Auto agents can help. Agents can be especially helpful if you've just moved to a new state, as they usually have a good understanding of their state's minimum insurance requirements.
Direct car insurance discounts
Unlike some agent-dependent insurance companies that only allow potential customers to receive quotes in person, Direct Auto Insurance allows customers to receive quotes online or over the phone. Direct Auto offers an impressive list of driver, vehicle and insurance discounts to help its customers offer the lowest prices.
| Discount on Direct Auto Insurance | Details |
|---|---|
| Military | Active military personnel can save up to 25%. |
| Safe driver | Drivers who did not break the rules and did not allow accidents in at least three years you can save up to 10%. |
| Good student | Unmarried full-time students with a 'B' GPA or higher can save up to 10%. |
| senior citizen | Drivers over 55 who have completed The Accident Prevention Course saves up to 5%. |
| multicar | Having more than one car on your policy can save you up to 25%. |
| Mileage | Driving fewer miles per year can save you up to 5%. |
| Multi-product | Adding product such as term life insurance, emergency protection plan, or roadside assistance can save up to 5%. |
| precoat | Switching to direct auto insurance after getting coverage from another provider at least six months you can save 25%. |
| House owner | Homeowners can save up to 15%. |
| Extension | If your policy has not expired within the last 12 months and you have renewed it you can save up to 20% on it within seven to ten days after it expires. |
| Welcome | If you previously had a direct auto insurance policy but didn't have one over the past six months, you can save up to 6% on the return migration. |
| Proximity | Members of Direct Auto partner organizations can save up to 5%. |
Direct auto insurance reviews and customer service
Direct Auto Insurance has a lot of testimonials on their website, but naturally the company only shows positive reviews. Your best bet is to check independent review sites like the Better Business Bureau (BBB) to see the full picture of customer satisfaction.
Direct Auto Insurance does not have its own BBB profile, but looking at the insurer's parent company, National General, one can get an idea of Direct Auto's customer satisfaction. National General is rated A+ by the BBB with a customer rating of 3.0 out of 5.0 based on over 300 reviews. Most of the negative reviews on the BBB National General page are due to frustration with the claims process. National General also has an A financial strength rating from AM Best, which means it is well positioned to pay customer claims.
Please note that the Direct Auto Insurance BBB page should not be confused with the Direct Auto Insurance Company profile as they are not affiliated.
Our Direct Auto Insurance Verdict: 79%
Our team gives direct auto insurance a 79 percent score because it provides coverage and SR-22 certifications for high-risk drivers and has an impressive list of discounts. However, coverage is only available in 12 states and customer reviews are limited.
If you are a high-risk driver, we recommend getting quotes from Direct Auto Insurance and comparing it to other leading insurance companies so you can get the best coverage at the best price. To get started, fill out our simple free form below.
Our recommendations for car insurance
In addition to direct auto insurance, our team has done extensive research on other leading insurance companies. If you are looking for cheap auto insurance and are a high risk driver, we recommend looking into Progressive and GEICO.
Progressive: Best option for high-risk drivers
Our team gives the Progressive a 95 percent rating. Along with nationwide availability and multiple types of insurance coverage, it offers low cost auto insurance policies for drivers with DUI or DWI on their records.
Progressive is rated A+ by AM Best and BBB. It offers its customers use cases with its Snapshot app ® . Progressive also has a "Name Your Price" tool ® , which allows customers to enter the rate they want to pay and select coverage options within their budget. For more information, read our full progressive auto insurance review.
GEICO: Best Overall
We give GEICO an overall rating of 96%. The company has a BBB rating of A+ and an AM Best financial strength rating of A++. It also has user-friendly, highly rated mobile apps through which customers can find detailed policy information, pay bills, and more.
GEICO offers many discounts, for example for military personnel and students, and also offers savings on equipment. This helps make it one of the cheapest suppliers in the industry. For a more in-depth look, read our full GEICO auto insurance review. You can also compare coverage, discounts and more in our GEICO vs Progressive review.
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