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American Family vs. Direct Auto: Which provider is right for you?

Compare American Family vs. Direct Auto car insurance

Updated

Fact checked

American Family and Direct Auto are both smaller companies in the insurance world. Direct Auto only serves 13 states in the US, and American Family offers coverage in only 19 states, although it is the 10th-largest insurance provider in the US.

Unfortunately, most of the similarities end there. American Insurance gets high marks in customer satisfaction, earning a 4 out of 5 rating from J.D. Power and a B+ from the Better Business Bureau. While Direct Auto gets consistently poor reviews from its customers and earns an F from the BBB.

However, Direct Auto is known for providing insurance for high-risk drivers. If you fall into this category, Direct Auto might be worth considering despite its reputation for poor customer service.

Here are the rest of the details you need to choose the right insurance provider for you.

Our top pick: Direct

Qualify for car insurance stacked with multiple discounts, whether or not you have a spotty driving record.

  • Get approved even as a high-risk driver
  • Save up to 25% with discounts
  • Enjoy flexible payments by phone, text, online or in person
 

American Family

Direct

OVERVIEW

OVERVIEW
About the provider
About the brand American Family Insurance aims to gain the trust of their customers through top-notch customer service and protection. Qualify for car insurance stacked with multiple discounts, whether or not you have a spotty driving record.
States served
States served AZ, CO, GA, ID, IL, IN, IA, KS, MN, MO, NE, NV, ND, OH, OR, SD, UT, WA, WI AL, AR, FL, GA, LA, MS, MO, NC, SC, TN, TX, VA

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Optional Optional
New car protection
New car protection Yes No
Accident forgiveness
Accident forgiveness Yes No
Rideshare coverage
Rideshare coverage Yes No
SR-22 insurance
SR-22 insurance Yes
Yes
Claims methods
Claims methods online
phone
phone
Payment schedule
Payment schedule 12 months
monthly
custom
monthly
custom

DISCOUNTS

DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes Yes, up to 10%
Bundling discount
Bundling discount Yes Yes, up to 10%
Home owner discount
Home owner discount No Yes, up to 15%
Military discount
Military discount Yes Yes, up to 25%
Multi car discount
Multi car discount Yes Yes
Paid in full discount
Paid in full discount Yes Yes
Safety device discount
Safety device discount Yes Yes
Safe driver discount
Safe driver discount Yes, up to 10% Yes, up to 10%
Special employment discount
Special employment discount No No
Student discount
Student discount Yes Yes, up to 10%
Usage based discount
Usage based discount Yes No
Learn more
Learn more

Bottom line

American Family has a solid reputation and offers discounts in effort to make car insurance more affordable. But if you don’t qualify for insurance through American Family because of a less than perfect driving record, Direct Auto might be worth considering. Compare your car insurance options to find the best insurance company for you.

Compare alternatives to American Family and Direct Auto

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
EverQuote
EverQuote
Optional
Yes
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
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