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Nationwide vs. Direct Auto: Compare rates and discounts

Nationwide vs. Direct Auto

Updated

Fact checked

One of the top 10 providers in the country, Nationwide has been insuring drivers since 1926. Unlike Nationwide, Direct Auto is fairly new to the auto insurance industry. They also only provide insurance in 13 states.

If you look closer, you’ll find even more differences between Direct Auto and Nationwide. Nationwide gets an A in user satisfaction from the Better Business Bureau, while Direct Auto gets consistently poor reviews from consumers and an F from the BBB.

In light of all of these negatives, you might be wondering why you should even consider Direct Auto. The company’s saving grace might be that it provides coverage for high-risk drivers. If you find yourself in this situation, Direct Auto might be an option.

Take a look at our detailed comparison below to find out which provider is right for you.

Our top pick: Nationwide

Nationwide is among the nation’s top ten car insurance providers, offering the full range of service and a promise to be “on your side” with stellar service.

  • A+ Superior rating
  • On Your Side auto repair network
  • Plenti rewards program
 

Nationwide

Direct

OVERVIEW

OVERVIEW
About the provider
About the brand Nationwide is among the nation’s top ten car insurance providers, offering the full range of service and a promise to be “on your side” with stellar service. Qualify for car insurance stacked with multiple discounts, whether or not you have a spotty driving record.
States served
States served All states except AK, HI, LA, MA 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 Yes No
Accident forgiveness
Accident forgiveness Yes No
Rideshare coverage
Rideshare coverage No No
SR-22 insurance
SR-22 insurance Yes
Yes
Claims methods
Claims methods Online
Phone
phone
Payment schedule
Payment schedule 12 months
6 months
Monthly
monthly
custom

DISCOUNTS

DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes Yes, up to 10%
Bundling discount
Bundling discount Yes Yes, up to 10%
Home owner discount
Home owner discount No Yes, up to 15%
Military discount
Military discount No Yes, up to 25%
Multi car discount
Multi car discount No Yes
Paid in full discount
Paid in full discount Yes Yes
Safety device discount
Safety device discount Yes Yes
Safe driver discount
Safe driver discount Yes Yes, up to 10%
Special employment discount
Special employment discount No No
Student discount
Student discount Yes Yes, up to 10%
Usage based discount
Usage based discount Yes, 5-40% No
Learn more
Learn more

Bottom line

Nationwide’s solid reputation makes it the better choice, but if you don’t qualify for coverage through Nationwide, you might want to consider Direct Auto. Compare your car insurance options to find the best insurance company for you.

Compare alternatives to Nationwide and Direct Auto

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
EverQuote
EverQuote
Optional
Yes
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
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Compare up to 4 providers

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