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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.

Geico

Direct

OVERVIEW

OVERVIEW
About the provider
About the brand Stack discounts up to 40% off already low premiums, with convenient mobile services like proof of insurance and claims. Qualify for car insurance stacked with multiple discounts, whether or not you have a spotty driving record.
States served
States served All 50 states
AL, AR, FL, GA, LA, MS, MO, NC, SC, TN, TX, VA

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Optional Optional
New car protection
New car protection No
Accident forgiveness
Accident forgiveness Yes No
Rideshare coverage
Rideshare coverage Yes No
SR-22 insurance
SR-22 insurance Yes Yes
Claims methods
Claims methods Online
Phone
Agent
phone
Payment schedule
Payment schedule 12 months
6 months
custom
monthly
custom

DISCOUNTS

DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes, up to 25% Yes, up to 10%
Bundling discount
Bundling discount Varies Yes, up to 10%
Home owner discount
Home owner discount No Yes, up to 15%
Military discount
Military discount Yes, up to 15% Yes, up to 25%
Multi car discount
Multi car discount Yes, up to 25% Yes
Paid in full discount
Paid in full discount Yes Yes
Safety device discount
Safety device discount Yes, up to 15% Yes
Safe driver discount
Safe driver discount Yes, Varies by state Yes, up to 10%
Special employment discount
Special employment discount Yes No
Student discount
Student discount Yes, up to 15% Yes, up to 10%
Usage based discount
Usage based discount No No
Learn more
Learn more

Compare alternatives to Geico and Direct Auto

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Progressive
Optional
30%
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Root
52%
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Savvy
Optional
Depends on provider
Yes
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
Liberty Mutual
Optional
30%
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
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