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Direct Auto Insurance Review (2019)

BravoDollar Editor rating:


Direct Auto is a subsidiary of the Direct General Insurance Group which caters to high-risk drivers who have trouble obtaining auto insurance from other insurance companies. The company was founded in Tennessee in 1991. Direct Auto offers more coverage options than most insurance companies that insure high risk drivers. Furthermore, the company offers a number of discounts to save its policyholders money. The complaint ratio for its auto insurance, however, is too high. Nonstandard and high-risk drivers should only consider this car insurance company as a last resort.


  • The company’s financial strength is rated an A- by A.M. Best.
  • Offers SR-22 Insurance.  
  • The company offers more coverage options than most car insurance companies that cater to high-risk and nonstandard drivers.


  • The company has higher than the median number of complaints for its auto insurance according to the National Association of Insurance Commissioners.  (The company has less than the median number of complaints for its life insurance sector).
  • The company only provides car insurance in 11 states.

Direct Auto Insurance is a midsized auto insurance company that offers car insurance in 11 states.  These states include Ohio, Virginia, North Carolina, Tennessee, Arkansas, Mississippi, Alabama, Georgia, South Carolina, Florida, and Texas. The company caters to high risk drivers with a wide array of coverage options. The company’s complaint ratio for auto insurance is too high to take a chance on this company unless it is a last resort.  Instead, high-risk and nonstandard drivers should check out other options first.

The Valuation Equation ($$$)

The cost of car insurance is one of the main things that consumers look at when trying to select an auto insurance company. There are a number of factors which car insurance companies take into account when setting your rate.  These factors include the company’s base rate, your driving record, your age, your location, the type of vehicle you have, your coverage options, your credit, your marital status, and maybe your gender.

To get a quote from Direct Auto Insurance, you can go online.  In addition, you can call 1-877-Go-DIRECT. Furthermore, you can visit a Direct Auto location near you to receive a quote.  


Like other auto insurance companies, Direct Auto offers discounts for its customers to lower their policy premium.  The discounts that are available include:

  • Multiple Vehicle Discount
  • Safe Driver Discount
  • Anti-Theft Discount
  • Low Mileage Discount
  • Vehicle Safety Discount
  • Homeowner Discount
  • Student Discount
  • Senior Discount
  • Bundled Policy Discount
  • Military Discount
  • Prior Coverage Discount
  • Affinity Discount (members of certain organizations)
  • Welcome Back Discount
  • Renewal Discount

Make sure you ask the company about other discounts that it may offer so that you get the most discounts at the beginning of the policy.  Furthermore, you should let your insurance agent know about any discounts that you may become qualified for after the policy is written and in place so that your rate can be reduced.  Moreover, it is important that you make sure that you remain qualified for the discounts that you receive throughout the life of the policy to ensure that you continue to receive these discounts. 

Claims Satisfaction

A company’s claims satisfaction rating is one of the most important things about a car insurance company.  Direct Auto does not have a claims satisfaction rating from J.D. Power.

How easy is it to file a claim with Direct Auto?

Direct Auto Insurance does not make filing a claim as easy as most auto insurance companies do.  You cannot file a claim on the company’s website. Instead, you need to call 1-800-403-1077. You should have your policy number, police report information, and the names and contact information of everyone who was in the car at the time of the accident.  Furthermore, you need to have your vehicle information as well as the other vehicle’s information.

What is the average customer experience and satisfaction with Direct Auto?

The company’s complaint ratio may be as much as six times the industry average for an auto insurance company of its size.  Thus, you should stay away from this insurance company, at least if you plan to purchase auto insurance.

Coverage Options

Direct Auto Insurance offers a wide array of coverage options.  These coverage options include the following:

  • Bodily Injury Liability Coverage
  • Property Damage Liability Coverage
  • Collision Coverage
  • Comprehensive Coverage
  • Medical Payments
  • Personal Injury Protection
  • Uninsured Motorist Coverage
  • Rental Reimbursement
  • Towing and Labor
  • Accidental Death Coverage

Therefore, Direct Auto Insurance has the coverage options to protect you in the event of an accident.

Other Insurance

Direct Auto Insurance offers a variety of insurance options in addition to traditional auto insurance.  The additional vehicle insurance the company offers is motorcycle insurance, Mexico auto insurance, commercial auto insurance, roadside assistance, and an emergency protection plan.  Additionally, the company offers Life and Health insurance, including term life insurance, Medicare, Accident Medical Expense, and Health Insurance Marketplace.  

Website Experience

Direct Auto Insurance offers a nice website experience to the consumer.   On the site you can find out about all of the insurance products that the company offers.  Furthermore, as far as car insurance is concerned, you can find out about all of the coverage options that are available.  In addition, you can find out about the discounts that the company offers. You can pay your bill, view your ID car, and manage your policy online.  The company also offers live chat to its customers.

The Bottom Line 

Direct Auto Insurance is an insurance company that caters to high risk drivers.  The company offers a wide array of coverage options that is not normally found with companies that cater to nonstandard drivers.  The company, which provides insurance in 11 states, has excellent financial strength. The most significant problem with the company is the lack of information available about it including its claims satisfaction rating and its rates.  Furthermore, the company’s auto insurance receives to many complaints compared to the average according to the National Association of Insurance Commissioners.

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