Geico vs. Direct Auto: Which provider should you choose? | finder.com

Geico vs. Direct Auto: Which provider should you choose?

Geico vs. Direct Auto

If you’re considering getting auto insurance from Geico or Direct Auto Insurance, this comprehensive comparison will help you make your decision.

Geico is a trusted and well-known insurance provider with a pretty decent reputation for customer service. It offers insurance in all 50 states and provides discounts in an effort to bring the cost of insurance down. Newer to the insurance scene and not as well known is Direct Auto. It only services 13 states and gets very poor marks from the Better Business Bureau an F. Its saving grace might be that it provides coverage for high-risk drivers. If you find yourself in this situation, it could be an option.

Carefully review the pros and cons below.

Geico

Geico

Direct Auto

Direct Auto

About the providerGeico’s been around since 1936 is the nation’s second-largest auto insurance company. It streamlines the process of purchasing comprehensive car insurance for your peace of mind.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 Geico 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*N/AF
J.D. Power ratings**3/5 on overall claims satisfactionN/A
Driver discountsView driver discountsView driver discounts
Vehicle discountsView vehicle discountsView vehicle discounts

Compare 7+ car insurance quotes at once

Enter your ZIP code below and click Compare Now to start comparing and finding the best rate near you.

Your information is secure.


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


Driver discounts

Geico

Geico

Direct Auto

Direct Auto

Good student15% (full-time student, between 16-24 and B average or better)Up to 10% (unmarried, full-time student, B average or better)
Defensive driver
Good driverUp to 26% (5 years accident-free)Up to 10% (violation and accident-free for 36 months)
Pay in full discount
MulticarUp to 25%Up to 25%
MilitaryUp to 15% (active duty, retired of member of the National guard or Reserves)Up to 25% (active service member)
HomeownerUp to 15%
Other discounts

Federal employee – Up to 8%

Emergency deployment – Up to 25% (member of the Enduring Freedom or Iraqi Freedom operational forces)

Multi-policy / Multi-line discount – Varies

Membership and employee discount – Varies

Seat belt use – 15% (medical payments or personal injury portion of premium)

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

Geico

Geico

Direct Auto

Direct Auto

Anti-theft deviceUp to 25% (comprehensive portion of premium)N/A
Anti-lock brake5% (collision portion of premium)N/A
Passive restraintsN/AN/A
Air bagUp to 25% for driver-side airbags, or 40% for full-front seat airbag (applies to medical payments or personal injury)N/A
Other discounts

Compare 7+ car insurance quotes at once

Enter your ZIP code below and click Compare Now to start comparing and finding the best rate near you.

Your information is secure.

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and Privacy Policy.
Go to site