Farmers vs. Direct Auto: Which provider is better?

Farmers vs. Direct Auto: Which provider is better?

Farmers vs. Direct Auto

In many ways, Farmers and Direct Auto are very different companies. Direct Auto is fairly new to the insurance industry, having been in business since just 1991. Farmers, on the other hand, has been insuring drivers since 1928. Direct Auto provides coverage in only 13 states, while Farmers covers all 50 states.

Other differences include the companies’ reputations for customer service. Direct Auto receives poor reviews from its customers and gets an F from the Better Business Bureau. Meanwhile, Farmers earns an A-.

A full list of all of the similarities and differences between Farmers and Direct Auto can be found below.

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Farmers

Farmers

Direct Auto

Direct Auto

About the provider“Serving America since 1928,” Farmers is one of the top names in car insurance with close to 20 million policies throughout all of America. With several different types of insurance to choose from, Farmers aims to insure that customers have peace of mind with its award-winning Farmers Claim Services.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.
PricePolicy costs depend your personal situation. Visit Farmers 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 servedAll 50 states13
User satisfaction*A-F
J.D. Power ratings**3/5 on overall claims satisfactionN/A
Driver discountsView driver discountsView driver discounts
Vehicle discountsView vehicle discountsView vehicle discounts


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


Driver discounts

Farmers

Farmers

Direct Auto

Direct Auto

Good studentB average or 3.0 GPA or higherUp to 10% (unmarried, full-time student, B average or better)
Defensive driver
Good driverUp to 10% (violation and accident-free for 36 months)
Pay in full discount
MulticarUp to 25%
MilitaryUp to 25% (active service member)
HomeownerUp to 15%
Other discounts

Distant students – 23 or younger, 100+ miles away from home

Teen driver – Single licensed driver under 19

Youthful driver – Driver under 25 in the household

Transfer discount – Switch to Farmers with no lapse in coverage

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

Farmers

Farmers

Direct Auto

Direct Auto

Anti-theft deviceN/A
Anti-lock brakeN/A
Passive restraintsN/A
Air bagN/A
Other discounts

Alternative fuel – Vehicle is fueled by new alternative resources like electric / gasoline hybrid, electric, ethanol, methanol

Bottom line

Farmers’ superior customer service and plentiful discounts make it the clear winner. But if you don’t qualify for insurance through Farmers because of a less-than-perfect driving record, Direct Auto does insure high-risk drivers.

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