Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.
Jessa Claeys is an insurance editor for Bankrate with over a decade of experience writing, editing and leading teams of content creators. She is a licensed personal lines insurance producer in Colorado. Jessa currently covers auto, home and life insurance with the goal of helping others secure a healthy financial future. Her work has been published by several insurance, personal finance and investment-focused publications, including BiggerPockets, 401(k) Specialist, BP Wealth and more.
Jessa Claeys is an insurance editor for Bankrate with over a decade of experience writing, editing and leading teams of content creators. She is a licensed personal lines insurance producer in Colorado. Jessa currently covers auto, home and life insurance with the goal of helping others secure a healthy financial future. Her work has been published by several insurance, personal finance and investment-focused publications, including BiggerPockets, 401(k) Specialist, BP Wealth and more.
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Bankrate’s editorial team writes on behalf of YOU — the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.
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Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.
Insurance Disclosure
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
At a glance
Bankrate's take
Policyholders who have trouble finding a company that will offer them a policy due to driving activity, insurance history or credit tier might consider Direct Auto Insurance as their company of choice. Direct Auto has a long list of discount options compared to many other high-risk carriers.
Direct Auto is part of the reputable Allstate family, signaling strong backing and industry expertise.
Caters to high-risk drivers with tailored car insurance options, as well as providing life insurance solutions.
There have been notable instances of customer complaints, reflecting concerns about the company’s service quality.
Its term life insurance policies offer a maximum coverage limit of $25,000, which may not meet the needs of all customers.
Auto
Avg. annual premium for full coverage
$3,928
Avg. annual premium for min coverage
$1,038
Direct Auto Insurance car insurance review
Direct Auto car insurance may be an option for drivers who do not qualify for standard car insurance due to their driving record, insurance history or another car insurance rating factor. Compared to other carriers, Direct Auto’s coverage options are pretty basic. However, you may be able to purchase optional accidental death coverage, which would pay $5,000 to your spouse or other beneficiary if you passed away due to a covered accident while in your car.
Pros and cons of Direct Auto car insurance
It’s essential to look at the big picture when you’re requesting car insurance quotes, and an easy way to do so is by considering a company’s pros and cons.
Pros
Specializes in non-standard auto policies
Flexible payment plans and due dates
Long list of discounts could help you save
Cons
Mobile app is not highly rated
Coverage not available nationwide
High number of customer complaints with the NAIC
Direct Auto car insurance cost
According to Bankrate's research, Direct Auto policies average $3,928 per year for full coverage and $1,038 per year for minimum coverage.
For comparison, the national average cost of car insurance in the U.S. is approximately $2,685 per year for full coverage, while minimum coverage averages around $800 annually. Direct Auto specializes in policies for high-risk drivers, which is one explanation for its rates running significantly higher than average.
How much is Direct Auto car insurance?
The cost of car insurance can vary substantially based on individual circumstances, including factors like driving record, credit history, vehicle type, ZIP code and coverage selections, among other things.
Teen drivers typically pay more for auto coverage due to their inexperience on the road; as drivers age, rates typically go down. Teen driver rates below reflect the cost of a policy for a married couple who adds a teenage driver to their policy. Keep in mind that Direct Auto caters to high-risk drivers with marks on their records, hence its elevated average premiums compared to the nationwide averages.
*All rates displayed are average annual rates. Rates are based on our good driver profile, with 16- and 18-year-old drivers added to their parents’ policy.
Every auto insurance company calculates the cost of car insurance differently, which means that each carrier has different average rates. The best way to determine which insurer can offer you the coverage you need for the cheapest premium is to gather quotes from several insurers to compare.
When evaluating Direct Auto Insurance, it's helpful to consider third-party studies as they can offer insights into customer satisfaction and claim handling. To get a well-rounded view, potential customers might also look at Direct Auto customer insurance reviews and financial stability ratings and compare quotes and offerings with other insurers.
Direct Auto Insurance claims satisfaction
Although inexpensive premiums and coverage availability are important, they shouldn’t be the only considerations when shopping for the best car insurance company. Third-party customer satisfaction scores from J.D. Power and financial strength ratings from AM Best can also be helpful indicators.
In the regions it was included, Direct Auto’s parent companies (Direct General and National General) ranked below average in the J.D. Power 2024 U.S. Auto Insurance Study. National General also ranked below average in the 2024 U.S. Auto Claims Satisfaction Study but fared better in its digital experience ranking for shopping.
2024 J.D. Power Digital Experience Study - Shopping
521/1,000
516/1,000
AM Best rating
A+ (Superior)
N/A
Study or Rating Agency
Direct Auto
Industry average
Direct Auto Insurance customer complaints
The National Association of Insurance Commissioners (NAIC) collects complaints lodged by customers against their insurance companies. Common causes for complaints include issues with a claim denial or delay or being unhappy with a settlement offer. Using these complaints, the NAIC assigns carriers complaint indexes by product type. Complaint indexes compare the number of complaints against a company's market share for a baseline index of 1.00. An index over 1.00 means the carrier receives more complaints than expected and vice versa.
According to the NAIC, Direct Auto’s parent company, National General, has almost six times the amount of complaints than expected as of 2023. The company fielded nearly double the complaints it did in 2022. As such, you may want to speak with existing policyholders about their experiences with the carrier before purchasing a policy.
NAIC Complaint Index for auto insurance
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2021-01-01 00:00:00 to 2023-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from 3.47 to 5.93.
End of interactive chart.
Direct Auto car insurance discounts
Direct Auto offers a long list of discounts that could save money on your car insurance. Some of these savings opportunities include:
Military discount: Active duty military members could save up to 25 percent with proper documentation.
Senior citizen discount: Completing a defensive driving course can earn those 55 and older up to a 5 percent discount.
DynamicDrive discount: Enrolling in Direct Auto's telematics program might lead to an initial saving of up to 10 percent, with the potential for more savings based on safe driving.
Prior coverage discount: A discount of up to 25 percent may be available if you've been insured for at least six months with no more than a 90-day lapse, provided your previous insurer was not Direct Auto. The lapse period could vary by state.
Welcome back discount: Returning to Direct Auto after a hiatus of six months or more could net up to a 6 percent discount.
Good student discount: Enjoy a discount of up to 10 percent if you’re a full-time student making good grades.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized auto insurance quotes
Answering a few quick questions to check your availability with Direct Auto Insurance
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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Direct Auto life insurance review
Direct Auto Insurance life insurance is not as robust as some of its competitors, but it could be a good choice for shoppers looking for a term life policy with no medical exam. Direct Auto’s term life coverage ranges from $10,000 to $25,000, and once approved, the company provides a two-year renewal guarantee with no change in rate.
People who need a whole life policy will need to look elsewhere, as Direct Auto only offers term life. However, the company advertises cheap rates and an easy application process with little wait time between application and approval.
Pros and cons of Direct Auto life insurance
There’s a lot to consider when choosing a life insurance policy. This list of pros and cons may help you make an educated decision:
Pros
No medical exam
May earn a discount that could save up to five percent on your Direct Auto policy when term life is purchased
Inexpensive premiums are advertised
Cons
No online quotes
Only term life is available
No riders
Direct Auto life insurance riders
Direct Auto only offers one type of life insurance product, which is term. It also does not list any rider options.
Compare life insurance providers quickly and easily
See which provider is right for you.
22-24
25-34
35-44
45-54
55-59
60+
Please select age
The amount of coverage you need depends on many factors, including your age, income, mortgage and other debts and anticipated funeral expenses.
0-75,000
75,000-125,000
125,000-250,000
250,000-500,000
500,000-1,000,000
1,000,000+
Please select Coverage amount
Whole life insurance combines life insurance with an investment component.
Coverage for life
Tax-deferred savings benefit if premiums are paid
3 variations of permanent insurance: whole life, universal life and variable life include investment component
Term life insurance is precisely what the name implies: an insurance policy that is good for a specific term of time.
Fixed premium over term
No savings benefits
Outliving policy or policy cancellation results in no money back
Term 5 Years
Term 10 Years
Term 20 Years
Term 30 Years
Whole Life
Final Expense
Not Sure
Please select Policy type
Your information is secure5 digit Zip code is required
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This advertising widget is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Bankrate. HomeInsurance.com LLC services are only available in states where it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
If after studying this Direct Auto Insurance insurance review, you’re still not sure if this company is right for you, you may want to consider these alternatives.
Direct Auto Insurance vs. Bristol West
Bristol West is a member of the Farmers Insurance Group and could be ideal for high-risk drivers, as it specializes in non-standard car insurance. The company also offers an online portal and mobile app accessibility. However, unlike Direct Auto, it does not offer life insurance.
Backed by Allstate, Encompass sells auto insurance through local independent agents and provides a wide range of coverage options and discounts to help build the right policy for your needs. This company does not sell life insurance, but it does offer homeowners insurance, whereas Direct Auto does not.
Tech-savvy drivers who prefer to manage their policy via mobile app or online customer portal may consider Geico, as its digital tools are highly rated. Geico also offers a long list of car insurance discounts to help make premiums affordable. It also sells term, whole and universal life insurance through partnerships with other companies.
The insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
Is Direct Auto Insurance a good insurance company?
Since it offers non-standard auto insurance, drivers with less-than-ideal driving records or credit history may find it worth their time to request a quote with Direct Auto. Direct Auto Insurance life insurance could also be an excellent choice for shoppers who want quick approval for a low-cost basic term life policy with no medical exam. However, Direct Auto’s customer service might be lacking when measured by complaints lodged with the NAIC. If you prioritize customer service, then you may want to do further research before finalizing your policy.
What are real-life customers saying about Direct Auto Insurance?
To gain a comprehensive perspective on Direct Auto's customer experience, we explored feedback from real users. Insights were drawn from Reddit and Trustpilot. These platforms provide a nuanced view of Direct Auto, highlighting aspects like customer service and claims handling.
Reddit
Reddit users have shared mixed experiences with Direct Auto, specifically when it came to pricing.
Reddit user 1*
Jun 24, 2024
Direct Auto was cheaper than most other insurers
Surprisingly, when I shopped around Direct Auto was cheaper than most other insurers for the same coverage, however, Progressive beat them by $25 a month so I went with Progressive.
Direct Auto wanted a ridiculous amount more for their premium
I just want to say that I had the same issue that everyone else is having. Direct Auto wanted a ridiculous amount more for their premium than what I was paying with esurance. My quote was I believe a 125% to 150% increase. I initially accepted not having properly read the full premium information. Once I realized about the increase, I called Direct Auto to see if they could do anything to reduce my premium, but they could not. I immediately shopped around and landed on Geico because they offered me a premium that was actually about 5% to 10% LOWER than my esurance premium was. I then canceled the Direct Auto policy.
Trustpilot reviews are also mixed. One account criticizes unexpected price increases, while another mentions good customer service.
Trustpilot user 1*
Sep 25, 2024
A frustrating experience
I had a very disappointing experience with Direct Auto Insurance. Initially, they provided me with a reasonable quote, but within two weeks of making the payment, my premium was doubled without any notice or explanation. This sudden increase in costs was both shocking and frustrating… This was by far the worst insurance experience I’ve ever had. The lack of transparency, unjustified price increases, and hidden fees made it a terrible choice. I would not recommend Direct Auto Insurance to anyone looking for reliable and trustworthy coverage.
I will say that I have had a few mishaps with this insurance company. Being I never requested to be taken off of Autopay and I was so that made me late for my payment in November. Once I was able to get that fixed I shortly later on received a letter stating that my insurance was going up a little over $100 the letter never indicated as to why, so I called. They then tell me it's because my car was switched to another vehicle which I never did. However, with all the mishaps that I have had with this company every situation has been resolved especially this last one. the lady who helped me with this issue was Gace. She was more then, helpful and very friendly. every question i asked she found an answer for me. I do want to give a big thanks to her and the staff for resolving this issue.
*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.
Direct Auto Insurance company details
For those interested in Direct Auto Insurance or current policyholders seeking assistance, here are the essential contact details:
Direct Auto Insurance offers auto insurance policies in 16 states. You can apply for a policy in AL, AR, DE, FL, GA, LA, MI, MS, NC, OH, PA, SC, TN, TX and VA.
Direct Auto tools and benefits
In addition to personal auto and term life insurance, Direct Auto offers a few more perks and policy types that could meet your needs:
Mobile app: Although it isn’t highly rated, Direct Auto offers a mobile app that policyholders can use to make payments and manage their policies. Not all smaller carriers include this feature.
Motorcycle insurance: A personal auto insurance policy will not cover a motorcycle, as this is considered a different type of vehicle. If you own a motorcycle, you will need to purchase a separate motorcycle insurance policy.
Commercial auto insurance: When you use a vehicle for business, it will often need specialized coverage. Direct Auto offers commercial auto insurance for individual cars and fleets, including up to 20 vehicles.
Renters insurance: Renters may not need to insure the structure of the home they live in, but a renters insurance policy could provide coverage for their belongings and liability.
Accident medical expense insurance: Direct Auto’s accident medical expense insurance can help with out-of-pocket expenses that your health insurance may leave after an accident or injury. Unlike medical expense coverage on an auto policy, this coverage can apply to many accidents, even those that don’t involve a vehicle.
Mexico car insurance: Direct Auto offers international coverage through its affiliate MXGA Inc. Many standard auto policies don’t provide coverage outside the United States or its territories. Tourists traveling to Mexico may find peace of mind by purchasing a Mexico auto policy through Direct Auto that keeps them protected when they travel across the border.
Emergency protection plan: This optional add-on can help cover accident-related expenses such as ambulance reimbursement, cash for hospital stays and reimbursement for out-of-pocket costs such as deductibles.
Frequently asked questions about Direct Auto
When you file a claim with Direct Auto Insurance, you may want to have a few pieces of information handy to streamline the process. For instance, you will be asked for the date of the accident, what happened during the accident and the basic information for the parties involved.
To file a claim with Direct Auto, you can:
Call the 24/7 claims hotline at (800) 403-1077
File your claim online by visiting Direct Auto’s claim portal
Start a chat with Direct Auto (depending on the time of day, the chat may be with a virtual assistant or a live agent)
Direct Auto does not disclose information on whether it contributes or supports any charitable causes or programs.
Yes, Direct Auto specializes in high-risk insurance policies. These may apply to drivers who have been denied coverage by standard providers, such as drivers with poor driving records, low credit scores or high-risk vehicle types. This type of insurance is also called non-standard insurance.
At Bankrate, we aim to evaluate and provide ratings for as many insurance companies as possible to help consumers make informed decisions. However, there are instances where a Bankrate Score is not assigned. This can occur for reasons such as the insurer's reliance on multiple third-party underwriters to provide their policies. The quality and terms of insurance policies can differ significantly based on factors like the underwriter's coverage options and financial stability. As a result, when an insurance company's offerings are underwritten by various third parties, it can complicate the process of assigning a uniform rating that accurately reflects all possible customer experiences.
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze April 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:
40 year old
Single male and female driver
2023 Toyota Camry
Primary vehicle
Good credit score
Clean driving record
Commutes 5 days
Bodily injury liability
$100,000 per person
$300,000 per accident
Property damage liability
$50,000 per accident
Personal injury protection
$100,000 per accident
Uninsured motorist bodily injury
$100,000 per person
$300,000 per accident
Collision deductible
$500
Comprehensive deductible
$500
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following driver characteristics:
Other profiles
Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.
Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.
Jessa Claeys is an insurance editor for Bankrate with over a decade of experience writing, editing and leading teams of content creators. She is a licensed personal lines insurance producer in Colorado. Jessa currently covers auto, home and life insurance with the goal of helping others secure a healthy financial future. Her work has been published by several insurance, personal finance and investment-focused publications, including BiggerPockets, 401(k) Specialist, BP Wealth and more.
Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.
Key Principles
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.
Editorial Independence
Bankrate’s editorial team writes on behalf of YOU — the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.
How we make money
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.
Bankrate follows a strict
editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.
Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.
Insurance Disclosure
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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