Direct Auto Insurance Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Our Direct Auto Insurance Score
3 Stars
We award Direct Auto Insurance a final rating of three out of five stars. The carrier has just over three decades of experience in the insurance industry under its belt. Direct Auto Insurance has excellent ratings from both AM Best and the Better Business Bureau (BBB), but there has been a concerning volume of complaints filed against the carrier through the BBB in recent years.
Direct Auto Insurance was founded in 1991. The carrier’s original mission was to provide affordable car and motorcycle insurance, but Direct Auto Insurance has since expanded to offer several types of coverage, including policies for high-risk drivers and those with violations like DUIs. Direct Auto Insurance is a member of the Direct General Group.
While the insurance company does offer many coverage solutions, it does not work with independent insurance agents, which greatly limits its reach to prospective customers. Coverage is also currently limited to just 16 states. Overall, we say that Direct Auto Insurance might be worth looking into with the help of your independent insurance agent. You just may want to survey several other local options, as well.
Direct Auto Insurance Pros and Cons:
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To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.
Direct Auto Insurance Products by Type
Direct Auto Insurance offers a wide range of coverages for both individuals and businesses. While its primary focus is auto insurance, the carrier sells several products, including:
Vehicle & Auto Insurance:
- Car insurance
- Motorcycle insurance
- Commercial auto insurance
- SR-22 certificates
- DUI insurance
Life & Health Insurance:
- Term life insurance
- Telemedicine
- Medicare
- Accidental medical expense
- Health marketplace
Property Insurance:
Direct Auto Insurance Car Insurance
Direct Auto Insurance is primarily known for specializing in car insurance. The carrier offers several forms of cheap auto insurance, including the standard options you could need in a full coverage policy. Direct Auto also offers SR-22 certificates, DUI insurance, and other coverage options for high-risk drivers and those with violations on their records.
Coverage types, features, and benefits:
Liability, collision, and comprehensive coverage
Direct Auto Insurance's car insurance policies offer the standard types of coverage you'd expect to find, including liability coverage, collision coverage, and comprehensive coverage. Your state may require all of these coverages or just liability.
Uninsured motorist coverage
Direct Auto Insurance also offers uninsured motorist coverage, which is a requirement in some states and optional in many others. This coverage can help reimburse customers who get into an accident with an at-fault driver who lacks any auto insurance of their own.
Personal injury protection and medical payments coverage
Direct Auto Insurance offers both personal injury protection (PIP) and medical payments coverage for customers to choose whichever is required in their state or as an optional add-on. Coverage can help reimburse drivers for medical expenses related to their own injuries or their passengers' injuries after an accident.
Towing coverage and rental reimbursement coverage
Direct Auto Insurance also offers optional towing coverage in case customers break down on the side of the road and need a professional to help tow their vehicle. The carrier's optional rental reimbursement coverage can help cover the cost of a rental car if the customer's vehicle is not able to be driven after an accident or other covered loss.
Direct Auto Insurance Car Insurance Average Prices
Here's a look at Direct Auto Insurance's average annual car insurance rates.
| Average full coverage premium | Average minimum coverage premium |
|---|---|
| $3,941 | $1,042 |
What Discounts Does Direct Auto Insurance Offer?
Direct Auto Insurance offers several competitive discounts on its products, especially for auto insurance. These discounts include:
- Military discount: This is offered to active service members.
- Safe driver discount: This is offered to auto insurance customers who have a violation-free and accident-free record for the past 36 months.
- Mileage discount: This is offered to auto insurance customers who drive their vehicles less than a dictated number of miles per year.
- Good student discount: Offered to customers who are full-time students and are unmarried, honor students on the Dean's List, have a grade average of "B" or higher, or rank in the top 20% of their class.
- Senior citizen discount: Offered to customers at least age 55 who complete an approved accident-prevention course.
- Driver education discounts: Offered to drivers who complete approved driver education courses.
- DyanmicDrive discounts: Offered to customers who are in the DynamicDrive℠ program and use the Routely app.
Your independent insurance agent can help you find more information about discounts and other ways to save through many modern insurance companies, helping you to get the most bang for your buck on coverage.
Direct Auto Insurance Customer Service
Direct Auto Insurance allows customers to file claims online, by phone, or by email, at any time of the week. The carrier also provides the following customer service options:
- 24/7 phone or online claims reporting
- Phone
- Mobile app
- Live chat
- The customer service phone department has the following hour restrictions:
| Days | Hours (CST) | ||
| Monday-Friday | 8 a.m.-8 p.m. | ||
| Saturday | 9 a.m.-5 p.m. | ||
| Sunday | CLOSED |
To ensure a great customer service experience, work together with an independent insurance agent. These agents can help handle claims and other matters for you so you can relax and enjoy your coverage.
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Direct Auto Insurance FAQs
Direct Auto Insurance offers 24/7 claims reporting for customers via phone, email, or online. The carrier promises that a claims adjuster will be in contact with the customer by the end of the next business day after filing a new claim.
Direct Auto Insurance offers separate phone lines for general customer inquiries and claims filing. Its toll-free claims reporting hotline is available for customers 24/7, and the customer service hotline is available during extended hours, Monday-Saturday. The carrier also has a comprehensive social media presence spanning Facebook, YouTube, Instagram, LinkedIn, and TikTok, making it more accessible to customers.
Direct Auto Insurance outlines its auto insurance claims process in four easy steps as follows:
- Step 1: The customer is encouraged to contact the carrier ASAP.
- Step 2: The carrier conducts an investigation and appraisal.
- Step 3: Repairs are scheduled for the customer's vehicle.
- Step 4: Customers are encouraged to stay connected about their claim's status. A claims adjuster or an independent insurance agent can keep you updated on every step of the process.
While Direct Auto Insurance’s official website isn’t the most visually appealing among modern insurance carriers, it’s fairly easy to navigate. Important information is easy enough to find for both prospective and current customers. Customer service options such as 24/7 phone claims reporting, online bill pay, requesting free quotes, and online claims filing are available.
The insurance company also has an active presence on social media. So, while they’re not the most user-friendly carrier around today, overall, Direct Auto Insurance provides a fairly connected experience for customers.
Direct Auto Insurance advertises affordable rates and multiple discounts on its auto insurance. Its policies include the following important coverages:
- Bodily injury and property damage liability
- Comprehensive and collision
- Medical payments
- Personal injury protection
- Uninsured motorist
- Rental reimbursement
- Towing
Your independent insurance agent can help you compare auto insurance options across multiple carriers, so you can find the best blend of coverage and cost.
Direct Auto Insurance has received good ratings from both AM Best and the BBB and has demonstrated consistent financial strength. The insurance company provides several types of coverage and also offers 24/7 claims reporting for its customers.
However, a high volume of concerning customer reviews across the web report frustrations in having claims acknowledged or accepted. So, Direct Auto Insurance may still have some room to grow before truly being considered a good insurance company.
Direct Auto Insurance's auto insurance policies can be right for customers looking for affordable rates and many discount options. It's also a great choice for customers looking for basic auto insurance coverage or add-ons, like rental reimbursement or towing coverage, or for high-risk drivers and those with violations on their records.
Direct Auto Insurance has an average annual full coverage auto insurance premium of $3,941. The carrier's minimum auto insurance coverage annual premium is $1,042.
https://www.directauto.com/
https://www.bbb.org/us/il/chicago/profile/auto-insurance/direct-auto-insurance-company-0654-88080034/complaints
https://www.autoinsurance.com/companies/direct/reviews/
https://www.bankrate.com/insurance/reviews/direct-auto/