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Allstate vs. Direct Auto: Compare rates and discounts

Allstate vs. Direct Auto

Julia Cameron
Julia Cameron

Last updated:

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The third-largest auto insurance provider in the US, Allstate gets high praise for its customer service, receiving an A from the Better Business Bureau. They were also recently identified as one of the World’s Most Ethical Companies by the Ethisphere Institute. Allstate provides insurance in all 50 states. At the opposite end of the insurance spectrum from Allstate is Direct Auto Insurance.

Direct Auto only services 13 states and gets consistently poor reviews from consumers, along with an F from the Better Business Bureau. However, the provider does insure high-risk drivers. If you find yourself in the position of choosing between Allstate and Direct Auto, our side-by-side comparison below will help you make your decision.

  • Rewards for safe drivers
  • Basic to comprehensive
  • Your own dedicated agent

Our top pick: Allstate

Enjoy having your own dedicated agent to help you get the best discounts and coverage.

  • Rewards for safe drivers, good students and more
  • Get your own dedicated insurance agent
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Allstate car insurance

Allstate

 Direct Auto

Direct Auto
About the provider Allstate was founded in 1931 and aims to deliver quick service to get customers insured and on the road. 16 million households are currently being served by Allstate. In 2016, they were awarded The World’s Most Ethical Company by the Ethisphere Institute. Founded in 1991, Direct Auto Insurance offers low-cost insurance policies to “nonstandard” drivers — also known as high-risk drivers — who might have a hard time finding coverage elsewhere. But beware, the company gets very poor reviews and only services 13 states.
Price Policy costs depend your personal situation. Visit Allstate for a quote based on your specific needs. Policy costs depend your personal situation. Visit Direct Auto for a quote based on your specific needs.
States served All 50 states 13
User satisfaction* A F
J.D. Power ratings** 3/5 on overall claims satisfaction N/A
Driver discounts View driver discounts View driver discounts
Vehicle discounts View vehicle discounts View vehicle discounts


* Based on Better Business Bureau’s company rating
** Based on the 2016 U.S Auto Claims Satisfaction Study

Driver discounts

Allstate car insurance

Allstate

 Direct Auto

Direct Auto
Good student Up to 20% (full-time student, under 25). Up to 10% (unmarried, full-time student, B average or better)
Defensive driver Up to 10% — must be at least 55, complete at least 6 hours of defensive driving courses and have no violations or at-fault claims)
Good driver Up to 22% — must have driven for at least 3 years without any violations or accidents. Goes up to 35% after 5 years. Up to 10% (violation and accident-free for 36 months)
Pay in full discount Up to 10%
Multicar Up to 25%
Military Up to 25% (active service member)
Homeowner Up to 15%
Other discounts Drivewise – Up to 20% cash back (based on everyday safe driving)

EZ pay plan discount – Up to 5% (automatic withdrawal)

Allstate eSmart discount – Up to 10% (sign up for ePolicy to view all insurance documents online)

Auto/life discount – Varies

Multi policy discount – Up to 10%

Early signing discount – Up to 10% (sign 7 days before policy becomes effective)

Good payer discount – Up to 5% (no cancellation notice for non-payment during the past 12 months)

Senior discount – Up to 10% (55+, not seeking full-time employment)

Safe drivers discount – Up to 45%

TeenSMART discount – Up to 10%

 Senior citizen – Up to 5% (55+, completed a motor vehicle prevention course)

Prior coverage discount – Up to 25% (at another insurance company for 6 months, no more than 90 day lapse between coverage)

Renewal discount – Up to 20% (no policy lapse in prior 12 months, renew 7-10 days prior to expiration)

Welcome back discount – Up to 6%

Vehicle discounts

Allstate car insurance

Allstate

 Direct Auto

Direct Auto
Anti-theft device Up to 10% N/A
Anti-lock brake 10% N/A
Passive restraints Up to 30% N/A
Air bag N/A
Other discounts New car – Up to 30% (First owner, car under 2 years old)

Economy car – Up to 10%

Utility discount – Up to 15% (Utility vehicle with a model year of 2002 or prior)

Farm vehicle – Up to 10%

Bottom line

Allstate stands head and shoulders above Direct Auto, but if you find that you don’t qualify for insurance through Allstate because you are a high-risk driver, Direct Auto might be an option. Compare your car insurance options to find the best insurance company for you.

Compare alternatives to Allstate and Direct Auto

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Progressive
Optional
30%
All 50 states
Choose from a long list of discounts and coverage for almost any driver.
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Geico
Geico
Optional
26%
All 50 states
Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching.
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The Hartford
The Hartford
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
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Metromile
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Pay-as-you-go rates based on how much and how well you drive start at $29/month plus pennies per mile.
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Liberty Mutual
Liberty Mutual
Optional
30%
All 50 states
Build a policy online or with local agent support, with features like better car replacement and accident forgiveness.
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Clearcover
Clearcover
Optional
No
AZ, CA, IL, UT
Find basic coverage and low rates through its easy online or app-based experience.
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Gabi
Gabi
Optional
Optional
55%
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
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Root
Root
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
Safe, low-mileage drivers could save up to 52% by tracking their driving in the app.
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Compare up to 4 providers

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