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

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

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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.

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

Our top pick: Direct

Discounts, flexible payments and a life coach that guides you to your best rates and coverage with Direct car insurance.

  • Discounts and savings of 25% or more
  • Flexible payment options
  • Customized services
  • DirectDrive app
Promoted
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 Available states
Optional
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
AZ, CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
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Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
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Car insurance through Liberty Mutual will give coverage options for almost any situation.
AZ, AR, CO, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 24 states.
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.
Optional
All states except Hawaii, Massachusetts, Michigan and New Jersey
The General offers affordable coverage for nearly any driver who needs car insurance.

Compare up to 4 providers

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