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

Geico vs. Direct Auto

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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.

  • Discounts for safe drivers, members of the military and more
  • Flexible payments
  • Customized services

Our top pick: Direct

Your agent can help you get the right amount of coverage and best discounts.

  • Discounts and savings of 25% or more
  • Flexible payment options
  • Customized services
  • DirectDrive app
Geico

Geico

Direct Auto

Direct Auto

About the provider Geico’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.
Price Policy 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 served All 50 states 13
User satisfaction* N/A F
J.D. Power ratings** 3/5 on overall claims satisfaction N/A
Driver discounts View driver discounts View driver discounts
Vehicle discounts View vehicle discounts View 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

Geico

Geico

Direct Auto

Direct Auto

Good student 15% (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 driver Up to 26% (5 years accident-free) Up to 10% (violation and accident-free for 36 months)
Pay in full discount
Multicar Up to 25% Up to 25%
Military Up to 15% (active duty, retired of member of the National guard or Reserves) Up to 25% (active service member)
Homeowner Up 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 device Up to 25% (comprehensive portion of premium) N/A
Anti-lock brake 5% (collision portion of premium) N/A
Passive restraints N/A N/A
Air bag Up 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 alternatives to Geico and Direct Auto

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Choose from a long list of discounts and coverage for almost any driver.
Geico
Optional
26%
All 50 states
Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching.
The Hartford
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Pay-as-you-go rates based on how much and how well you drive start at $29/month plus pennies per mile.
Root
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
Safe, low-mileage drivers could save up to 52% by tracking their driving in the app.
Clearcover
Optional
No
AZ, CA, IL, UT
Find basic coverage and low rates through its easy online or app-based experience.
Gabi
Optional
Optional
55%
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
Allstate
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.

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