Direct Auto

The Car Insurance Guide

Overall Personalized Rating: 4.2/5 (Very Good)

Overall Personalized Rating: 4.2/5 (Very Good)

Summary

Direct Auto Insurance was founded on the belief that everyone should be able to get the affordable coverage they need regardless of their past driving history or lack of insurance. They sell car insurance and other types of products and services directly to consumers without a middleman. You can buy a policy online, by phone, or at over 400 retail stores in 12 states, and they’re expanding rapidly into new states and markets.

Key Benefits

  • Known to cover a wide variety of drivers, including those without current insurance or who have less-than-perfect driving records
  • Competitive pricing with many discounts available
  • Convenient payment options online, by phone or in-store; they even accept cash payments in store
  • Can customize payment date, schedule, and down payment amount

Ratings Summary

Ratings Highlights

Overall Rating
Direct Auto Insurance is nearly 30 years old and has a large following in the Southeastern US. With the backing of their parent company, National General Insurance Corporation, they are expanding quickly into new states and markets.
Pricing
Our auto Insurance agent respondents thought Direct Auto offered very competitive rates, particularly when it came to consumers that other insurance companies regard as risky, e.g., young drivers or drivers with accidents or tickets.
Handling Claims
Our auto Insurance agent respondents thought that handling claims was not Direct Auto's strong suit. If you have options and are very concerned with how claims are handled, you may want to explore other auto insurance companies.
Uninsured Drivers
Our auto Insurance agent respondents thought Direct Auto was the top choice when it came to uninsured drivers. Direct Auto provides uninsured drivers with competitively priced options when many other insurance companies won't provide a quote or at least a competitive quote.
Young Drivers
Our auto Insurance agent respondents thought Direct Auto was very competitive when it came to young drivers. Direct Auto provides young drivers with competitively priced options when many other insurance companies won't provide a quote or at least a competitive quote.
Bundling Auto with Other Insurance Types
Our auto insurance agent survey respondents ranked Direct Auto near the bottom when it came to bundled insurance products, like Auto and Home. For consumers seeking a one stop shop for all their insurance needs, other insurance companies are likely better options.
Drivers with Tickets/Accidents
If you have a challenged driving record, Direct Auto may be a great company to work with. Our auto insurance agent survey respondents ranked Direct Auto near the top for providing a good offering for consumers regarded as driving risks by other insurance companies.
Premium Driver
If you are a driver with a clean record and strong credit, other insurance companies are likely going to be a better match than Direct Auto. Direct Auto usually focuses on drivers who have trouble getting competitive offerings from the major US auto insurance companies, which is not this consumer segment.

Company Background

Founded in 1991, Direct Auto Insurance sells car insurance and other types of coverages and products online, over the phone, and at retail store locations. Direct Auto is owned by National General Holdings Corp., a specialty personal lines insurance holding company that traces its roots to 1939 and has a financial strength rating of A- (excellent) from A.M. Best.

The Car Insurance Guide's Reviews Methodology

The Car Insurance Guide uses a proprietary algorithm to evaluate the car insurance options presented. Factors reviewed and rated include pricing, handling of claims, age of driver, bundling, and driver type. These factors are evaluated and scored to provide an overall score for the carrier as well as being individually assessed to provide a detailed review of the fit of the carrier to the driver. The data comes from research The Car Insurance Guide conducts as an invite-only annual survey and from interviews with car insurance agents. Insights from experts, those whose job it is to understand and recommend the best insurance companies for their clients, is invaluable. Use of The Car Insurance Guide's 2021 reviews by third parties without the express written consent of The Car Insurance Guide is strictly prohibited.