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.

GeicoGeicoDirect AutoDirect Auto
AboutGeico’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 discounts
Vehicle discountsView vehicle discounts

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


Driver discounts

GeicoGeicoDirect AutoDirect 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 driverYesNo
Good driverUp to 26% (5 years accident-free)Up to 10% (violation and accident-free for 36 months)
Pay in full discountNoNo
Multi carUp 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)
HomeownerNoUp 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

GeicoGeicoDirect AutoDirect 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

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