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Direct Auto Insurance Review

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Many companies offer affordable insurance with unique coverages and discounts for auto insurance. While some well-known brands in the auto insurance sector spend a lot of money on advertising, many smaller companies provide outstanding services to their customers. Also, some companies provide affordable rates for minimum coverage policies and cater mainly to high-risk drivers. Direct Auto Insurance is one such company!

One major factor is that Direct Auto advertises its readiness to insure almost any applicant, even those with a history of accidents or drunken driving. But, if policyholders increase their protection levels,their premium rates are likely to surge to less attractive levelsthantheir competitors. Be mindful that the company has only coverage in 11 states - Alabama, Georgia, Mississippi, Arkansas, Florida, North Carolina, South Carolina, Ohio,Tennessee, Texas, and Virginia.

So, what are the Direct Auto Insurance rates? What are the coverages and discounts offered to lower Direct Auto Insurance quotes? How are the Direct Auto Insurance reviews? Our research has all the answers for you!

Pros and Cons

Pros Cons
Offers both auto insurance and life insurance for high-risk drivers, with the option to bundle policies for a discount Not that affordable for getting a full coverage insurance policy
Provides flexible payment options for all customers Limited availability
Can file an SR-22 form for drivers who require it Lack of extra coverages like rideshare or gap insurance
Easy to get policy quotes and start claims processes It doesn’t provide new cars or better car replacement coverage
Doesn’t require a medical examination or approval period for Direct Auto term life insurance More number of complaints when compared to other auto insurance companies
Offers add-on coverages like roadside assistance, travel reimbursement, and rental car Customer service has a delay in addressing the issues of customers

Unique Direct Auto Insurance Features

These are some of the features of Direct Auto Insurance.

Unique Features What does it do
Rental reimbursement This policy pays the expenses of renting a car when your vehicle is under repair following an accident. This policy is optional, but you need to have comprehensive and collision coverages to be eligible for it.
Accidental death Provides $5,000 to beneficiaries if a driver dies in an accident. It is an add-on coverage for your auto insurance policy.
Customizable payments The company allows customers to make payments in a variety of ways. That includes setting your payment date, paying in full or on an installment plan. You can make online payments and even cash payments to a local agent or partner location.
Towing & Labor It reimbursesthe towing costs when your car breaks down or turns undrivable after an accident. You need comprehensive and collision coverage to add this. But if you only require roadside assistance and don’t have full coverage, the company has a program that includes 24-hour towing.

Direct Auto Insurance Coverages

These are the basic coverages provided by the company.

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Direct Auto Insurance Rates

Direct Auto Insurance quotes tend to be expensive compared to the national average. The level of coverage selected by the policyholder determines the cost of Direct Auto Insurance.Getting a minimum coverage policy costs you nearly $1,782. However, a full coverage policy from the insurer costs you around $4,134, higher than its competitors like State Farm or All State.

Direct Auto Insurance for Teen Drivers

Like most other insurers, the coverage rates of Direct Auto for teen drivers are higher than the national average.The actual rates may differ based on location, vehicle type, annual mileage, and more.

Age Bracket and Gender Average annual premium
<18 or 18-year-old $6,936

Direct Auto Insurance Rates by Coverage

Type of Drivers Average annual premium
Drivers with clean driving history $2,772
Drivers with a speeding ticket $5,238
Drivers after an accident $4,804

Direct Auto Insurance Discounts

Are you planning to save money on your auto insurance policy? Then you will be interestedin the following discounts offered by Direct Auto Insurance. Below are some of the discounts offered based on the driver or vehicle.

  • Military
  • Good student
  • Safe driver
  • Multi-car
  • Senior citizen
  • Mileage

There are also a few discounts offered based on the policy you choose.

  • Multi-product
  • Homeowner
  • Affinity
  • Renewal
  • Prior coverage: 
  • Welcome back

If you’re a past policyholder returning to Direct after six months or more with another insurer, the company provides you discounts. Affinity discounts are offered to policyholders who are members of particular organizations.

Direct Auto Insurance Customer Feedback and Satisfaction Report

The company has an average score when it comes to customer satisfaction. Most of the Direct Auto Insurance reviews are average. A majority of the positive feedback from the customers is for the Direct Auto Insurance customer service. Customers mentioned that the Direct Auto Insurance customer service executives are friendly, pleasant, genuine, and courteous. So taking auto insurance with Direct Auto seems to be a hassle-free process for the customers. However, some customers have given negative reviews resulting from dissatisfaction with the delays in handling their issues or concerns.

Way.com Summary

Direct Auto Insurance seems to be a good choice for drivers in the Southeast seeking basic auto insurance. What makes Direct Auto Insurance different is that they provide policies for high-risk drivers. Many regular insurers refuse to cover high-risk drivers, making it hard to obtain auto insurance. These drivers, as well as those who require SR-22 certification, are covered by Direct Auto.

The premium payments seem to be easy as the company offers flexible payments. The Direct Auto Insurance quotes can be lowered as the company offers many a variety of discounts. The rates and premiums will increase if you plan to raise the levels of protection. Limited availability is one factor that comes as a drawback for the insurer. Another major disadvantage is that the insurer doesn’t have a mobile app.

The BBB has given DirectAuto Insurance an A+ rating. But, some recent Direct Auto Insurance reviewshave been worse, indicatingthey need to improve their customer service. AM Best has given an ‘Excellent’ rating for financial strength, so customers needn’t worry about claims payout.

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About Direct Auto Insurance

William Adair launched Direct Auto Insurance on April 10, 1991. Helaunched the insurance to provide an excellent, non-standard auto insurance company providing excellent service to its customers. Later, the company quickly expanded throughout the Southeast, offering affordable rates, flexible payment plans, and the exceptional service clients deserve, regardless of their driving history. The company is headquartered in Nashville, Tennessee. Direct Auto Insurance also offers life insurance, roadside assistance memberships, vehicle protection plans, Mexico Auto Insurance in many retail locations, and affordable car and motorcycle insurance.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

Frequently Asked Questions

Is Direct Auto Insurance good?

Yes. Direct Auto Insurance isa good choice for Southeast drivers seeking basic auto insurance. The specialty is that they provide policies for high-risk drivers. The company also covers drivers who need SR-22 certification.

How much is Direct Auto Insurance?

The policy cost depends on the level of coverage selected by the policyholder. A minimum coverage policy from Direct Auto costs you around $1,782, and a full coverage policy cost you nearly $4,134.

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