Direct Auto Insurance Review (2024)
Direct Auto offers non-standard auto insurance coverage to high-risk drivers. Car insurance rates with Direct Auto are higher than many other insurance providers in the U.S.
Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ...
Licensed Agent & Financial Advisor
UPDATED: Apr 23, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above 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: Apr 23, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Direct Auto
Average Monthly Rate For Good Drivers
$139A.M. Best Rating:
AComplaint Level:
HighPros
- Direct Auto offers SR-22 filings for high-risk drivers who need them.
- Life insurance coverage and bundled policies are available, allowing customers to save on multiple insurance products.
- Flexible payment options are offered to customers.
- Direct Auto provides good coverage for high-risk drivers.
- Discount options are available to save money.
- Direct Auto offers coverage in several states in the U.S.
- The company has simple processes for receiving quotes and filing claims.
Cons
- Direct Auto’s coverage may be pricey compared to other companies, especially for drivers with a clean record.
- The company has received customer complaints about coverage, customer service, and claims processes.
- Direct Auto does not offer add-on coverage options like rideshare insurance, new car replacement, or gap coverage.
- The company has been criticized for slow response times.
- Direct Auto is not included in many industry studies, making it difficult to assess its financial stability.
Finding the right auto insurance coverage can be difficult, especially when so many options exist. However, if you have a driving record that includes at-fault accidents, speeding tickets, or DUI charges, you may not have many viable options for car insurance coverage.
Most auto insurance companies do background checks that show a limited criminal history and your motor vehicle report (MVR). If your MVR shows reckless driving, hit-and-run charges, or any other blemishes on your driving record, your options for car insurance will be limited.
Direct Auto provides car insurance to people who are considered high-risk drivers. The company allows people with bad driving records to purchase policies when other car insurance companies refuse their business.
If you purchase a policy with Direct Auto, you will pay higher rates for coverage. Still, anyone who cannot buy car insurance with another company may see Direct Auto as an excellent option for coverage.
Before you purchase car insurance with Direct Auto, you should compare quotes from several insurance companies in your area. Finding and comparing quotes will help you determine which company offers the coverage you want at a price you can afford.
Remember that policies carrying more than your state’s minimum car insurance coverage will cost more than those offering liability insurance. If you want a full coverage auto insurance policy, you can expect to pay more in monthly or annual rates.
What You Should Know About direct auto insurance
Direct Auto is a good insurance option for high-risk drivers, but the company’s customer service does not rank highly. According to the National Association of Insurance Commissioners (NAIC), an insurance company’s average complaint index should be around 1.0.
Direct Auto’s complaint index is 2.49, which means the company receives more than twice as many complaints as an average company of its size. As a result, Direct Auto is ranked low on J.D. Power’s southeast car insurance companies. However, the company does have an A (Excellent) financial strength rating with A.M. Best.
If you’re a high-risk driver in need of car insurance, Direct Auto could be a good option. Still, you should find and compare rates from several companies before you decide on your car insurance provider. Comparing auto insurance rates can help you find a company that offers the coverage you want at a price that works for your budget.
Compare Insurance Providers Rates to Save Up to 75%
Secured with SHA-256 Encryption
What are the pros of a Direct Auto car insurance policy?
You’ll enjoy several benefits if you purchase car insurance with Direct Auto. Some of the most significant benefits of a Direct Auto insurance policy include:
- SR-22 filings
- Life insurance coverage for bundled policies
- Flexible payment options
- High-risk coverage options for certain drivers
- Discount options
- Options for coverage in several states
- Simple and intuitive quote and claims processes
Each of the benefits listed above can be extremely helpful to high-risk drivers who need proper auto insurance coverage in their state.
SR-22 Filings
Depending on their driving infractions, high-risk drivers may need to file an SR-22. For example, if you have multiple speeding tickets, at-fault accidents, a hit-and-run, or a DUI or DWI on your driving record, you may need to file an SR-22.
Many insurance companies do not file SR-22s on behalf of their clients, but Direct Auto will. With Direct Auto, you’ll pay a $35 fee, and the company will file an SR-22 on your behalf with your state’s Department of Motor Vehicles.
Filing an SR-22 may result in higher car insurance rates, but you may be able to lower your rates over time by improving your driving record.
Life Insurance Coverage and Bundled Policies
In addition to auto insurance for high-risk drivers, Direct Auto sells life insurance coverage to its policyholders. As a result, many Direct Auto customers purchase both insurance coverages and enjoy a discount for bundling multiple insurance products.
For a discount, many insurance companies offer options to bundle policies — like homeowners insurance and car insurance coverage. Still, high-risk drivers will not have as many options for bundled coverage.
Flexible Payment Options for Customers
Direct Auto offers flexible payment options to its customers. For example, if you need to make monthly or annual payments after a certain time, the company will work with you to ensure you maintain your car insurance coverage.
You can tell your agent if you need flexible payment plans with Direct Auto. Then, you and your agent can develop an option that will work for you. Of course, you can always request changes to your plan, but you need to do so before your payment is due.
Good Coverage for High-Risk Drivers
High-risk drivers often find it hard to get proper car insurance. Direct Auto may be a good option if you’re a high-risk driver. The company offers minimum coverage policies, collision, and comprehensive insurance, and you could qualify for discounts to help lower your monthly or annual rates.
Discount Options to Save Money
Direct Auto provides discounts to help lower customers’ coverage rates. If you’re in the military, have a high school or college student, or purchase a life insurance policy, you may be eligible for a discount on your auto insurance with Direct Auto.
Coverage in Several States in the U.S.
Some car insurance companies only provide car insurance in a handful of states. Still, Direct Auto offers coverage in several states in the U.S. If you’re a Direct Auto customer, you may be able to carry your policy wherever you move. Additionally, Direct Auto’s national presence makes it easier for high-risk drivers to purchase coverage regardless of where they live.
Simple Processes for Receiving Quotes and Filing Claims
You can get a quote with Direct Auto straight from the company’s website or call and speak with an agent or company representative. Additionally, Direct Auto allows customers to file claims online, with the mobile app, or by speaking with a representative.
What are the cons of a Direct Auto auto insurance policy?
While there are several benefits to purchasing coverage with Direct Auto, there are also some drawbacks to coverage with the company. Some of the most significant disadvantages to purchasing car insurance with Direct Auto include:
- Higher-than-average rates for coverage
- Several complaints concerning car and life insurance
- No add-on options
- A slow process for addressing customer needs and concerns
- An absence from most industry studies
Direct Auto may not be for you for some of the reasons listed above. But, most significantly, Direct Auto’s prices for coverage may be too high if you have a clean driving record.
Pricey Coverage
If you’ve considered purchasing auto insurance with Direct Auto, you must first find and compare rates with other companies.
Direct Auto provides coverage to high-risk drivers, so the company’s rates are typically higher than many other insurance companies. If you have a clean driving record and can get coverage with another insurance company, you may want to do so to save money on coverage.
Customer Complaints
According to Direct Auto auto insurance review, customers regularly complain about the company’s coverage, customer service, and claims processes. Read customer reviews and complaints online to learn more about what customers think before you buy coverage with Direct Auto.
No Add-On Options
Direct Auto does not offer add-on coverage options like rideshare insurance, new car replacement, or gap coverage. If you’re looking for a customizable policy, you may need to choose a different car insurance company.
Slow Response Times
Direct Auto customers complain about the company’s lack of quick and reliable responses. Customers claim it takes too long to get answers to their questions, and they must continually check in on the status of their claims before they learn about any developments.
Not in Industry Studies
One of the best ways to learn about any company is to read about its ranking in different industry studies. Unfortunately, Direct Auto is not present in many different auto insurance industry studies, which makes it difficult to know how financially stable the company is and whether it’s a good investment.
direct auto insurance Insurance Coverage Options
Direct Auto offers the standard types of car insurance you would expect with any auto insurance provider. These coverages include:
- Liability. Liability auto insurance protects you if you are in an accident and cause damage to someone’s vehicle or cause any injuries. Liability insurance is mandatory in most states in the U.S.
- Collision. Collision auto insurance coverage helps pay for damage to your car if you’re at fault in an accident and your vehicle is damaged.
- Comprehensive. Comprehensive auto insurance coverage would pay for damage to your vehicle if it occurred outside of an accident. Common reasons for comprehensive car insurance claims include inclement weather, wild animals, theft, and vandalism.
- Medical Payments (MedPay). MedPay helps cover medical bills associated with a car accident.
- Personal injury protection (PIP). Personal injury protection coverage is similar to MedPay coverage and may also cover lost wages.
- Uninsured/underinsured motorist coverage. Uninsured or underinsured motorist coverage pays for damage someone causes to your vehicle if they do not carry proper coverage in your state.
Does Direct Auto offer additional auto coverage?
Direct Auto offers four options for additional vehicle coverage:
- Rental car reimbursement. If you have to rent a car after a covered event, Direct Auto will reimburse you for your costs up to a certain dollar amount.
- Towing and labor. If you have to tow your car to a garage, Direct Auto will pay for the towing. Direct Auto also pays for certain labor and repairs.
- Accidental death. If you die in a covered loss, this coverage will pay your beneficiary $5,000.
- Customizable payments. Direct Auto offers customizable payment options so customers can decide when they pay their installments. You can set up monthly, quarterly, twice-annual, and annual payments with the company.
Direct Auto does not offer other typical add-on car insurance options, like rideshare coverage or new car replacement. Because the company caters to high-risk drivers, its coverage options are significantly limited.
If you’re looking for a company offering more customized coverage options, you should search for car insurance elsewhere. Find and compare quotes from several car insurance companies before deciding on the best company.
Compare Insurance Providers Rates to Save Up to 75%
Secured with SHA-256 Encryption
Does Direct Auto offer other types of insurance?
Along with car insurance, you can buy the following insurance products with Direct Auto:
- Homeowners insurance
- Renters insurance
- Life insurance
- Business insurance
- Health insurance
If you purchase two types of insurance with the company, you will qualify for a discount for bundling policies. You can speak with a Direct Auto representative to see how much you could save by bundling insurance with the company.
Direct Auto Insurance: The Bottom Line
Direct Auto car insurance is a great option for people who need high-risk coverage. If you’re looking for non-standard car insurance and other companies will not offer you coverage, Direct Auto may be a great option for you.
With Direct Auto, you’ll pay higher rates for car insurance. But you may qualify for discounts on coverage. Additionally, Direct Auto files SR-22 forms for its customers and has a mobile app that allows customers to make payments and file claims.
Before you choose Direct Auto, you should shop online for car insurance. You may find cheaper rates with another company, especially if you have a clean driving record. Still, Direct Auto could be a great option for anyone with speeding tickets, a car accident, or a DUI on their record.
direct auto insurance Insurance Rates Breakdown
Compare RatesStart Now →
"}” data-sheets-userformat=”{"2":4737,"3":{"1":0},"10":2,"12":0,"15":"Arial"}”>
| Driver Profile | Direct Auto Insurance | National Average |
|---|---|---|
| Clean Record | $79 | $119 |
| 1+ Ticket | $104 | $147 |
| 1+ Accident | $125 | $173 |
| DUI | $258 | $209 |
| Poor Credit | $136 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Direct Auto car insurance rates are higher than rates with other companies. Still, if you’re a high-risk driver, Direct Auto may be a great company for you.
In addition to considering your driving history, Direct Auto considers additional factors when determining your car insurance rates, such as:
- Age
- Location
- Gender
- Marital status
- Credit score
- Coverage type
- Car make and model
Your auto insurance rates with Direct Auto will change based on the abovementioned factors. For example, if you have a clean driving record and are older than 25, you will likely get lower car insurance rates with most auto insurance companies.
How do auto insurance rates change with age?
Car insurance companies generally charge the highest rates when people are teens or young adults. However, as you get older, your car insurance rates should decrease significantly.
One exception to this rule is if you have blemishes on your driving record, like an accident, multiple speeding tickets, or a DUI. A bad driving record will cause your rates to increase even if you’re over 25.
How much is Direct Auto insurance for teens?
Teen and young adult drivers pay more for auto insurance than any other demographic. Insurance companies see these drivers as more of a risk because they lack experience behind the wheel.
Average Monthly Full Coverage Teenage Auto Insurance Rates by Gender
| Insurance Company | 16-Year-Old Male With a Clean Record | 16-Year-Old Female With a Clean Record | 18-Year-Old Male with a Clean Record | 18-Year-Old Female with a Clean Record |
|---|---|---|---|---|
| Allstate | $637.83 | $608.25 | $518.58 | $448.42 |
| American Family | $480.08 | $390.17 | $390.33 | $287.67 |
| Farmers | $741.75 | $777.50 | $603.17 | $573.25 |
| Geico | $311.92 | $297.75 | $253.58 | $219.58 |
| Liberty Mutual | $778.25 | $716 | $632.75 | $527.92 |
| Nationwide | $476.17 | $410.50 | $387.17 | $302.67 |
| Progressive | $813.83 | $801.42 | $661.75 | $590.83 |
| State Farm | $349.25 | $310.83 | $284 | $229.17 |
| Travelers | $896.83 | $708.83 | $729.17 | $522.58 |
| National Average | $609.58 | $557.92 | $495.58 | $411.33 |
The national average for a female teen driver is $4,962 annually or $414 per month. However, Direct Auto charges female teen drivers $7,561 annually or around $630 per month. The national average for male drivers is $5,661 annually or $472 each month. However, in most cases, Direct Auto charges $8,103 annually or $675 per month.
Direct Auto’s car insurance rates are almost 35% higher than the national average. Because of this, teen drivers should consider other car insurance companies regarding coverage.
One way to save money on teen car insurance is to add them to an adult’s policy. If you have a teen driver, you may be able to add your teenager to your car insurance policy to save a significant amount on car insurance rates.
Is Direct Auto expensive for young adult drivers?
Young adult drivers between 20 and 25 pay less for car insurance than teen drivers. However, certain companies may still see this demographic as more of a risk to cover, especially if a young adult driver has an accident on their record.
Average Monthly Auto Insurance Rates by Age and by Company
| Companies | 25-Year-Old Female | 25-Year-Old Male | 17-Year-Old Female | 17-Year-Old Male |
|---|---|---|---|---|
| Allstate | $219.51 | $220.97 | $678.65 | $733.87 |
| Farmers | $172.13 | $179.75 | $810.38 | $773.12 |
| Geico | $108.35 | $111.96 | $259.76 | $385.52 |
| Liberty Mutual | $279.38 | $296.29 | $544.95 | $882.56 |
| Nationwide | $170.12 | $216.52 | $304.87 | $452.46 |
| Progressive | $192.71 | $187.71 | $527.40 | $587.72 |
| State Farm | $181.32 | $192.87 | $497.40 | $641.39 |
| Travelers | $247.44 | $255.98 | $558.84 | $664.92 |
| USAA | $162.66 | $179.06 | $520.49 | $617.89 |
The national average for young adult drivers is around $1,734 for females and $1,842 for males each year. So, young adult female drivers pay around $145 per month, and males pay around $154 monthly.
Direct Auto car insurance rates are higher. With Direct Auto, young adult women drivers pay $2,141 annually or around $178 per month. Male young adult drivers pay $2,259 annually or $188 per month for coverage.
Before you purchase Direct Auto car insurance as a young adult, find and compare quotes with other companies to see if you can save money. Since Direct Auto primarily offers auto insurance for high-risk drivers, you should not choose the company if you have a clean driving record.
How much do adult drivers pay for Direct Auto?
If you’re an adult, you pay the least for car insurance as long as you have a clean driving record. Still, Direct Auto charges more than many other insurance companies for coverage.
The national average for female adults is $1,476 annually or $123 monthly. However, Direct Auto charges around $1,842 annually or $154 monthly for female adult drivers. Similarly, the national average for male adult drivers is $1,485 annually or $124 monthly. Still, Direct Auto charges around $1,836 annually or $153 per month for male adult drivers.
Again, if you have a bad driving record, Direct Auto may be a good choice despite the company’s higher-than-average rates. You should shop online and compare quotes to determine if Direct Auto is your best option.
Do senior drivers pay more for car insurance with Direct Auto?
Some insurance companies charge more for senior drivers, assuming they have slower reaction times and are more of a risk behind the wheel.
Average Monthly Full Coverage Senior Auto Insurance Rates by Gender
| Insurance Company | 60-Year-Old Male With a Clean Record | 60-Year-Old Female With a Clean Record | 65-Year-Old Male With a Clean Record | 65-Year-Old Female With a Clean Record |
|---|---|---|---|---|
| Allstate | $153.92 | $149.75 | $156.50 | $158.33 |
| American Family | $99.17 | $97.92 | $107.58 | $106.33 |
| Farmers | $122.83 | $115.25 | $130.08 | $130.67 |
| Geico | $74.33 | $72.67 | $78.42 | $78.17 |
| Liberty Mutual | $157.50 | $146.50 | $168.50 | $165.92 |
| Nationwide | $104.42 | $99.08 | $112.25 | $110.58 |
| Progressive | $95.25 | $92.08 | $102.83 | $109.33 |
| State Farm | $76 | $76 | $84.17 | $84.17 |
| Travelers | $88.75 | $87.67 | $95.42 | $94.17 |
| National Average | $108 | $104.08 | $115.08 | $115.25 |
According to the national average, female senior drivers pay $1,332 annually or $111 per month. With Direct Auto, this demographic pays around $1,668 annually or $139 monthly.
Based on the national average, senior male drivers pay $1,365 annually or $114 monthly for car insurance. Direct Auto charges senior male drivers around $1,754 annually or $146 each month.
Compare Insurance Providers Rates to Save Up to 75%
Secured with SHA-256 Encryption
Why does my driving record impact my rates with Direct Auto?
Direct Auto charges higher rates for high-risk drivers because they pose more risk behind the wheel. So if you’ve been in an accident or accrued several speeding tickets, you can expect your rates with Direct Auto and most other car insurance companies to be higher than average.
How much is Direct Auto insurance after a speeding ticket?
If you have a speeding ticket on your driving record, insurance companies will assume you’re more likely to get in an accident or file a claim. Because of this, you’ll have higher car insurance rates.
Average Monthly Auto Insurance Rates with One Speeding Ticket
| Company | Average Rates with Clean Record | Average Rates with 1 Speeding Violation |
|---|---|---|
| Allstate | $318.33 | $373.63 |
| American Family | $224.47 | $252.15 |
| Farmers | $288.38 | $339.92 |
| Geico | $178.83 | $220.45 |
| Liberty Mutual | $397.86 | $475.11 |
| Nationwide | $228.85 | $259.47 |
| Progressive | $282.76 | $333.52 |
| State Farm | $235.10 | $265.50 |
| Travelers | $287.31 | $355.07 |
| USAA | $161.14 | $182.77 |
The national average for auto insurance rates with a speeding ticket on your record is $1,910 annually or around $159 per month. Direct Auto charges people around $2,407 annually or $201 per month if they have a speeding ticket. Many companies will offer cheaper car insurance for people with one or more tickets on their driving records.
How much does Direct Auto charge after an accident?
Having an accident will increase your car insurance rates significantly. In addition, Direct Auto charges more if you have blemishes on your driving record.
Average Monthly Auto Insurance Rates for Drivers with One Accident
| Company | Average Rates with Clean Record | Average Rates with 1 Accident |
|---|---|---|
| Allstate | $318.33 | $415.64 |
| American Family | $224.47 | $310.23 |
| Farmers | $288.38 | $376.56 |
| Geico | $178.83 | $266.06 |
| Liberty Mutual | $397.86 | $517.07 |
| Nationwide | $228.85 | $283.08 |
| Progressive | $282.76 | $398.09 |
| State Farm | $235.10 | $283 |
| Travelers | $287.31 | $357.48 |
| USAA | $161.14 | $209.69 |
The national average for car insurance after a car accident is around $2,180 annually or $182 monthly. Direct Auto charges more for coverage with an accident on your record. With Direct Auto, you’ll pay around $2,785 annually or $232 each month with one or more at-fault accidents on your driving record.
Over time, your driving record will be clear if you avoid car accidents and other infractions in the future. You will receive lower car insurance rates if you have a clean record. It’s a good idea to shop at least once a year. You can compare quotes from different companies to see which offers the best coverage rates.
Does Direct Auto charge high rates if you have a DUI?
Insurance companies charge higher rates when people have a DUI on their record. A DUI is a serious infraction that could cause many insurance companies to avoid offering coverage. So if you have a DUI on your record, you can expect to pay higher-than-average rates for your car insurance.
Average Monthly Auto Insurance Rates with One DUI
| Company | Average Monthly Rates with Clean Record | Average Monthly Rates with 1 DUI |
|---|---|---|
| Allstate | $318.33 | $521.73 |
| American Family | $224.47 | $360.85 |
| Farmers | $288.38 | $393.23 |
| Geico | $178.83 | $406.32 |
| Liberty Mutual | $397.86 | $634.46 |
| Nationwide | $228.85 | $378.60 |
| Progressive | $282.76 | $330.80 |
| State Farm | $235.10 | $303.07 |
| Travelers | $287.31 | $478.45 |
| USAA | $161.14 | $292.17 |
The national average for car insurance if you have a DUI on your record is $2,601 annually or $217 monthly. Direct Auto charges similar rates. With Direct Auto, you’ll pay around $2,653 annually or $221 monthly for coverage if you have a DUI. You can learn what a DUI is here.
Does Direct Auto cost more if you have bad credit?
Believe it or not, your credit score can impact your car insurance rates. With Direct Auto, you’ll pay higher rates with bad credit.
Average Monthly Full Coverage Auto Insurance Rates by Credit Rating
| Insurance Company | Rates with Poor Credit | Rates with Fair Credit | Rates with Good Credit |
|---|---|---|---|
| Allstate | $295.92 | $196.83 | $166.08 |
| American Family | $202.67 | $136.25 | $115.50 |
| Farmers | $269.42 | $160.50 | $139.50 |
| Geico | $148.42 | $99.75 | $82 |
| Liberty Mutual | $354.67 | $226 | $176.67 |
| Nationwide | $165.67 | $132.92 | $120.42 |
| Progressive | $205.92 | $137.92 | $109.17 |
| State Farm | $199.83 | $117.58 | $90.92 |
| Travelers | $193.58 | $127.83 | $107.25 |
| USAA | $128.75 | $75.83 | $62.75 |
| Average | $226.25 | $148.42 | $123.08 |
The national average for auto insurance if you have bad credit is around $2,757 annually or $230 each month. Direct Auto charges individuals with bad credit around $2,960 annually or $247 monthly.
If you have bad credit, the best thing you can do is improve your credit score. As you do, you should enjoy lower auto insurance rates. Once your credit score improves, shop for coverage at least once a year to ensure you do not pay too much for your car insurance.
How much is the minimum coverage with Direct Auto?
Your rates will be cheaper if you plan to buy your state’s minimum car insurance coverage. Direct Auto’s liability-only policies are the cheapest coverage option.
Average Monthly Minimum Coverage Rates for the Top Auto Insurance Companies
| Insurance Company | Average Minimum Coverage Rates |
|---|---|
| Allstate | $50 |
| American Family | $48 |
| Farmers | $56 |
| Geico | $24 |
| Liberty Mutual | $64 |
| Nationwide | $49 |
| Progressive | $40 |
| State Farm | $34 |
| Travelers | $39 |
| Average | $45 |
The national average for a liability-only car insurance policy is around $1,463 annually or $122 monthly. Direct Auto charges $1,782 annually or $149 each month for a minimum coverage car insurance policy.
While this coverage is cheaper than other options, it does not protect you or your vehicle if you’re in an accident. If you can afford full coverage, with both collision and comprehensive insurance, you may want to purchase it for peace of mind.
How much is full coverage with Direct Auto?
A full coverage policy will cost more than a liability-only policy. Full coverage with Direct Auto may be even higher because the company caters to high-risk drivers more likely to get in an accident and file a claim.
Average Monthly Liability-Only vs. Full Coverage Auto Insurance Rates by Company
| Companies | Monthly Liability-Only Coverage Auto Insurance Rates | Monthly Full Coverage Auto Insurance Rates |
|---|---|---|
| Allstate | $162 | $318 |
| American Family | $114 | $224 |
| Farmers | $147 | $288 |
| Geico | $91 | $179 |
| Liberty Mutual | $203 | $398 |
| Nationwide | $117 | $229 |
| Progressive | $144 | $283 |
| State Farm | $120 | $235 |
| Travelers | $147 | $287 |
| USAA | $82 | $161 |
| National Average | $133 | $260 |
The national average for a full coverage policy is $1,622 annually or $135 monthly. With Direct Auto, you’ll pay around $2,059 annually or $172 per month for full coverage.
Since this policy includes both collision and comprehensive insurance, your vehicle will be protected if you’re in an accident or if something damages your car, like inclement weather, wild animals, or vandalism.
Compare Insurance Providers Rates to Save Up to 75%
Secured with SHA-256 Encryption
direct auto insurance Discounts Available
Compare RatesStart Now →
"}” data-sheets-userformat=”{"2":4737,"3":{"1":0},"10":2,"12":0,"15":"Arial"}”>
| Discounts | Direct Auto Insurance |
|---|---|
| Anti Theft | 15% |
| Good Student | 13% |
| Low Mileage | 16% |
| Paperless | 11% |
| Safe Driver | 24% |
| Senior Driver | 12% |
Direct Auto offers several options for car insurance discounts, including:
- Military
- Safe driver
- Good student
- Senior citizen
- Multi-vehicle
- Bundling
- Policy renewal
- Homeowner
- Affinity or affiliation
Discounts with Direct Auto could help you save up to 25% on your car insurance coverage. If you believe you qualify for one or more discounts, you can call the company and speak with a representative to learn more.
How direct auto insurance Ranks Among Providers
Direct Auto Insurance operates in a competitive market alongside several prominent insurance providers. Understanding its main competitors helps individuals make informed decisions when exploring insurance options. Here are some key competitors to Direct Auto Insurance:
- Geico: Known for its wide range of coverage options and competitive rates, Geico is a major player in the auto insurance industry. It offers various discounts and online tools, appealing to a diverse customer base.
- Progressive: Renowned for its innovative and tech-savvy approach, Progressive offers customizable policies and various discounts. Its Snapshot program, which tracks driving behavior for potential discounts, sets it apart.
- State Farm: With a vast network of agents and a reputation for excellent customer service, State Farm offers diverse coverage options, including comprehensive and customizable policies, along with multiple discount opportunities.
- Allstate: Recognized for its robust online resources and numerous coverage options, Allstate caters to various customer needs. It emphasizes safe driving incentives and rewards, such as its Drivewise program.
- Nationwide: Offering competitive rates and a range of coverage options, Nationwide stands out for its accessible policies and various discount programs, including its SmartRide program.
- Farmers Insurance: Known for its personalized approach and numerous coverage options, Farmers Insurance provides diverse policy choices and discounts, catering to various customer needs.
These major competitors of Direct Auto Insurance each bring unique strengths and features to the table, catering to diverse customer preferences and needs in the auto insurance market. Understanding the offerings and strengths of these competitors can assist individuals in making informed decisions when selecting an insurance provider.
Read more: Geico SR-22 Insurance Review
Claims Process
Ease of Filing a Claim
Direct Auto Insurance offers multiple channels for filing claims, providing customers with flexibility. Claims can be filed online through their website, over the phone by contacting a representative, or via their mobile app. The online portal allows for a straightforward and user-friendly claim submission process. Customers can initiate and track their claims conveniently through these various avenues.
Average Claim Processing Time
The average claim processing time with Direct Auto Insurance varies based on the complexity of the claim and individual circumstances. However, the company aims to process claims efficiently to ensure timely resolutions for its customers. On average, straightforward claims might see quicker processing times compared to more complex ones, and Direct Auto strives to handle claims promptly.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback regarding claim resolutions and payouts with Direct Auto Insurance has been somewhat mixed. While some customers express satisfaction with the company’s handling of their claims, others have reported challenges and delays in the process. Some reviewers highlight positive experiences with fair settlements and prompt payouts, while others have expressed frustration with claim denials or longer processing times.
Compare Insurance Providers Rates to Save Up to 75%
Secured with SHA-256 Encryption
Digital and Technological Features
Mobile App Features and Functionality
Direct Auto’s mobile app offers various features designed to enhance customer experience and convenience. The app enables policyholders to manage their accounts, pay bills, view policy details, access ID cards, and initiate and track claims directly from their smartphones. The user interface is intuitive, providing easy navigation and access to essential functionalities.
Online Account Management Capabilities
The online account management platform provided by Direct Auto Insurance allows policyholders to access and manage their policies conveniently. Customers can review policy information, make changes to their coverage, update personal details, and view billing statements. The online portal enhances accessibility and ease of managing insurance policies.
Digital Tools and Resources
Direct Auto Insurance provides a range of digital tools and resources to assist customers in understanding their coverage, exploring policy options, and accessing educational resources. These include online guides, FAQs, and informational materials aimed at helping customers navigate insurance-related queries and make informed decisions about their coverage.
Frequently Asked Questions
What does Direct Auto Insurance offer?
Direct Auto offers non-standard auto insurance coverage primarily tailored to high-risk drivers.
Are the car insurance rates with Direct Auto higher than other providers?
Yes, the car insurance rates with Direct Auto tend to be higher than those of many other insurance providers in the U.S.
Is Direct Auto a good option for high-risk drivers?
Yes, Direct Auto is considered a viable option for high-risk drivers who might be refused coverage by other insurance companies.
How do auto insurance rates with Direct Auto change with age?
While car insurance rates generally decrease with age, especially for drivers over 25, a bad driving record can still lead to increased rates.
How much do adult drivers pay for Direct Auto car insurance?
Direct Auto typically charges more than many other insurance companies for adult drivers with a clean driving record.
Compare Insurance Providers Rates to Save Up to 75%
Secured with SHA-256 Encryption
Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ...
Licensed Agent & Financial Advisor
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.
![](/wp-content/uploads/dw/-"05WRL".png)
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