Direct Auto Auto Insurance: User Reviews and Quotes (2025)
Direct Auto offers coverage to high-risk drivers but has poor customer service and isn’t available nationwide.
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If you’re a high-risk driver, you might consider Direct Auto. The company provides car insurance to all drivers, including those with a less-than-perfect driving record. It also offers flexible payment plans, allowing you to schedule payments according to your budget.
Direct Auto is only available in 15 U.S. states and has a higher-than-average number of customer complaints, according to the National Association of Insurance Commissioners (NAIC) complaint index.1
When looking for insurance, you should always compare quotes from multiple insurers to find the best rates and coverage options. Here’s what you need to know about car insurance coverage from Direct Auto.
How Direct Auto compares to other insurance companies
Direct Auto has average rates but lower customer service ratings when compared to similar car insurance companies like Amica, Bristol West, Midvale Home & Auto, and Safeco. Direct Auto also offers fewer discounts and more limited availability than similar insurance companies. But its financial strength rating is comparable to its competitors.
The following table outlines how Direct Auto compares to similar auto insurers.
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
Average cost of Direct Auto insurance
The average rate for full-coverage insurance from Direct Auto is $169, and the average rate for a liability policy is $98. These rates are comparable with many of Direct Auto’s direct competitors.
The table below shows you how average monthly liability rates from Direct Auto compare to the national average for different driver groups.
Direct Auto car insurance cost by state
Car insurance requirements and prices vary from one state to the next. Factors like the cost of medical care and car repairs, the frequency of auto insurance fraud, and the weather trends in your state can all affect your insurance premiums.2
The following table provides monthly averages for Direct Auto insurance in the 15 states it operates in. All rates are for liability coverage.
Direct Auto car insurance discounts
If you’re trying to find the cheapest car insurance, you’ll want to compare insurer discounts as well. Auto insurance discounts can help lower the cost of your monthly insurance premium.3 Direct Auto offers a variety of discounts that can reduce your rate by as much as 25%.
How customers feel about Direct Auto
Direct Auto has a mix of reviews from customers, but overall, ratings are low. One of the most common complaints is around cost. Several customers express that Direct Auto charges double the price of other insurance companies. The company scores 2/5 with Trustpilot and 1/5 on the Better Business Bureau (BBB) website.
Direct Auto customer reviews
To give you an honest look at what Direct Auto customers are saying, read verified reviews from Direct Auto customers here.
Direct Auto ratings
To understand the financial stability and customer satisfaction of Direct Auto, you can review different ratings.
AM Best is a global credit-rating agency that provides financial stability measures for the insurance industry. J.D. Power is a global analytics company that provides customer insights on the performance of insurance companies. The NAIC rating reveals customer complaint data for insurance companies.
See how Direct Auto measures up on the following ratings.
Direct Auto car insurance coverage options
Every state except New Hampshire requires drivers to carry a minimum amount of car insurance. This coverage generally includes bodily injury liability and property damage liability protection. Bodily injury liability insurance covers other drivers if you cause a car accident. Property liability coverage pays for damage you cause to someone else’s vehicle or property.
Direct Auto offers collision insurance, which pays to repair your car if it’s damaged in an accident. You can also purchase comprehensive insurance, which pays for your car repairs in non-collision events such as theft, vandalism, or storm damage.
Direct Auto offers the following types of car insurance:
Other options for Direct Auto customers
In addition to car insurance, Direct Auto customers can access other types of insurance products, including:
Motorcycle insurance: Complete motorcycle coverage protects you, your passengers, and your bike.
Commercial auto insurance: Direct Auto can help you cover your commercial vehicles, such as a work van or fleets of vehicles.
Term life insurance: Life insurance helps protect your family’s finances in the event you pass away.
How Direct Auto DynamicDrive works
Direct Auto DynamicDrive is a program that monitors your driving behavior using a smartphone app. The safer you drive, the more you can save.
You can immediately save up to 10% on insurance by enrolling in the program and downloading the app. DynamicDrive uses your location services to determine the speed and distance you drive. It also measures the time of day you drive, hard and extreme braking, speeding, and distracted driving due to phone handling. After signing up for the program, you have 30 days to opt out. If you do, you’ll lose your discount.
Direct Auto insurance FAQs
Still questioning if Direct Auto is the right insurance company for you? Here’s some additional information about the company to help you make an informed decision.
Is Direct Auto legitimate?
Yes. Direct Auto got its start in 1991 in Nashville, Tennessee. Today, it’s part of the Allstate insurance family. The Better Business Bureau (BBB) has accreditation from the company since 2021, and it has an A+ rating. The purpose of the BBB is to help consumers identify which businesses they can trust.
What is the average cost of Direct Auto car insurance?
The average monthly cost of Direct Auto car insurance is $98 per month for liability coverage and $169 for full coverage.
The cost you’ll pay for coverage depends on factors like your driving record, age, ZIP code, credit history, and more. The best way to find cheap car insurance is to compare multiple car insurance quotes from different companies.
Is Direct Auto good at paying claims?
Direct Auto has an AM Best financial strength rating of A++ (Superior), which means it can afford to pay customer claims. The company has a higher-than-average score on the NAIC complaint index, which indicates dissatisfaction among some customers. Unfortunately, J.D. Power hasn’t rated Direct Auto for claims satisfaction.
How do I cancel my Direct Auto insurance policy?
You can cancel your Direct Auto policy in person, through customer service, or by fax or email.
To cancel in person, go to a local Direct Auto Insurance and sign a cancellation request. You can also call customer service at 1 (877) 463-4732 or send a fax to 1 (877) 622-7338. The fax must include your policy number, name, address, date of birth, the date you want to cancel, and your signature. Finally, you can request a cancellation online by emailing customer service at [email protected].
What company owns Direct Auto Insurance?
National General Insurance Group, an Allstate company, owns Direct Auto.
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