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Allstate vs. Direct Auto: Compare rates and discounts

Allstate vs. Direct Auto

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Julia Cameron
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.

Allstate

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Direct

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OVERVIEW

 OVERVIEW
About the provider
About the brand Your dedicated agent can help you find the best savings with multiple discounts and rewards programs. Qualify for car insurance stacked with multiple discounts, whether or not you have a spotty driving record.
States served
States served All 50 states
 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 Monthly
 monthly
custom

DISCOUNTS

 DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes Yes, up to 10%
Bundling discount
Bundling discount Up to 10% Yes, up to 10%
Home owner discount
Home owner discount Yes Yes, up to 15%
Military discount
Military discount No 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 Up to 10% Yes, up to 10%
Special employment discount
Special employment discount Yes No
Student discount
Student discount Up to 20%, under 25 Yes, up to 10%
Usage based discount
Usage based discount Yes - up to 20% cash back No
Learn more
Learn more
Read review
Read review

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 Gap insurance Homeowner discount Telematics Has an app? Available states
AARP Auto Insurance Program from The Hartford
AARP Auto Insurance Program from The Hartford
Yes
Yes
TrueLane®
No
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
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The Zebra
The Zebra
Yes
Yes
Yes
Yes
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Progressive
Progressive
loan/lease coverage
Yes
Snapshot
Yes
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
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Pretected
Pretected
Yes
Depends on provider
No
No
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
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USAA
USAA
No
Yes
SafePilot
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
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Branch
Branch
Yes
No
Yes
Yes
AZ, CO, IL, IN, MD, MO, OH, OK, TX and WI
Benefit from this online-based startup’s steep savings and convenient online quotes and claims.
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