Direct Auto

Editor's Rating

Customers seeking minimum coverage could find affordable rates with Direct Auto car insurance (formerly known as Direct General). However, as policyholders raise their protection levels, their rates are likely to increase to levels that aren't as attractive compared to other insurers.

Direct Auto advertises its willingness to provide coverage to nearly every applicant, including those with a history of accidents or driving while intoxicated. To this end, high-risk drivers can purchase an SR-22 from the insurer, along with a few other useful forms of coverage that could incentivize many other types of drivers.

Good for
  • Finding coverage as a high-risk driver
  • Reducing your premiums with discounts
Bad for
  • Getting highly rated customer service
  • Buying cheap full coverage car insurance

What is the cost of Direct Auto Insurance?

The cost of Direct Auto Insurance varies depending on the amount of coverage the policyholder selects. For minimum coverage, ValuePenguin found that Direct Auto car insurance is a good, affordable insurer. However, Direct Auto Insurance gets comparably more unaffordable if the policyholder buys full coverage. Additionally, despite Direct Auto's reputation for insuring drivers with spotty insurance histories, drivers with one accident could see much cheaper rates with other providers.

Direct Auto Insurance Rates
Rates are taken from Florida for a 30-year-old male driver of a 2015 Honda Civic EX.

Find Cheap Auto Insurance Quotes in Your Area

Currently insured?
Insurance provider
Minimum coverage
Full coverage
Full coverage with one accident
State Farm$123$211$246
Direct Auto$148$344$436

Rates are ordered by minimum coverage

Direct Auto Insurance coverage

The insurer's basic protections meet the mandatory bodily injury and property damage liability requirements that are mandated by most states. Additionally, drivers in at-fault states can buy personal injury protection (PIP) coverage at Direct Auto.

Besides required car insurance, Direct Auto Insurance has a few extra features that policyholders can add to a standard policy.

Rental reimbursement

Pays for the cost of a rental car if the insured vehicle is inoperable after damage caused by a covered loss.


Reimburses the expenses for towing a broken-down car up to the limits the insured selects.

Accidental death coverage

Pays $5,000 to the insured's beneficiaries after death as a result of a covered accident.

Discounts with Direct Auto car insurance

Direct Auto Insurance can be more expensive than its competitors, but the insurer also offers a range of ways for its policyholders to reduce their costs.

Direct Auto Insurance gives its customers a dozen ways to save on the cost of car insurance. Military members could benefit the most, as they're eligible for a reduction of up to a quarter on their policies. Additionally, shoppers could save by:

  • Remaining accident-free for at least three years
  • Holding at least a B average as a student
  • Completing an accident prevention course as someone who's at least 55 years old
  • Covering more than one vehicle with Direct Auto
  • Owning a vehicle with fewer than 15,000 miles on its odometer
  • Bundling car insurance with life insurance
  • Owning the home where the insured vehicle is stored
  • Returning to Direct Auto Insurance within six months of switching to another company
  • Being a member of an organization that's partnered with Direct Auto Insurance

Direct Auto car insurance customer reviews and financial strength

The customer service provided by Direct Auto Insurance isn't highly esteemed by any measurement. According to the National Association of Insurance Commissioners (NAIC), the insurer has a Complaint Index of 2.49, which means it receives more than double the complaints of the median insurer. Most complaints regarding Direct Auto resulted from dissatisfaction with delays.

Direct Auto placed low on J.D. Power's evaluation of car insurance companies in the southeast. Out of 18 insurers, it ranked 14th.

A.M. Best's credit evaluation of Direct Auto as "Excellent" means that policyholders likely won't have to worry about the company defaulting on its financial obligations, like paying its claims.

NAIC Complaint IndexMore complaints than expected
J.D. Power ratingBelow average
A.M. Best credit ratingExcellent

Direct Auto Insurance phone number for claims: 800-403-1077

Questions about Direct Auto Insurance

Is there a Direct Auto Insurance app?

No, there's no app for Direct Auto Insurance customers.

What is the number for Direct Auto roadside assistance?

The number for Direct Auto's roadside assistance service is 877-463-4732, which is the insurer's general customer service number as well.

Can you get an online quote with Direct Auto?

Yes, users can use Direct Auto's website to request an online quote if they don't want to connect with a representative over the phone.

Where is the Direct Auto Insurance company's corporate office?

Direct Auto's corporate office is in Nashville, Tenn., but the insurer has hundreds of offices located around the country to serve policyholders.


ValuePenguin gathered rates for minimum and full coverage car insurance policies. Additionally, we applied one accident to the record of a driver with full coverage to evaluate how it changed rates. We used the profile of a 30-year-old male driver of a 2015 Honda Civic EX located in Florida, where Direct Auto Insurance does a large portion of its business.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.