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Allstate vs. Direct Auto: Compare rates and discounts

Allstate vs. Direct Auto

Our top pick: Allstate

  • Stack discounts up to 30%
  • Earn points and rewards with safe driving
  • Get claims paid through direct deposit
  • Opt for extras
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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

Direct

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

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
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.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
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.
USAA
Optional
Yes
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Savvy
Savvy
Optional
Optional
Yes
All states & DC
Enter your current policy and get quotes in 30-seconds from 100+ companies, then get help to switch insurers for free. Requires online login to your existing insurance.
Root
52%
Available in 30 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Gabi
Optional
Optional
Yes
All 50 states
Upload your current policy info and get quotes from 40+ companies. Switch and save an average of $961 a year.
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