Nationwide vs. Direct Auto: Compare rates and discounts

Nationwide vs. Direct Auto: Compare rates and discounts

Nationwide vs. Direct Auto

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.

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Use our magical comparison tool to find providers offering the cheapest rates in your area.

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NationwideNationwideDirect AutoDirect Auto
AboutNationwide is not just an auto insurance company, it is also one of the largest financial services companies in America. Its flexible options and member resources are among a few of the reasons people have chosen Nationwide since 1926.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 Nationwide 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 served4613
User satisfaction*AF
J.D. Power ratings**3/5 on overall claims satisfactionN/A
Driver discountsView driver discounts
Vehicle discountsView vehicle discounts

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

Driver discounts

NationwideNationwideDirect AutoDirect Auto
Good studentVaries (full-time student, B average or higher, 16 to 24)Up to 10% (unmarried, full-time student, B average or better)
Defensive driverYesNo
Good driverUp to 10% (no at-fault accidents and free of major violations for at least 5 years)Up to 10% (violation and accident-free for 36 months)
Pay in full discountNoNo
Multi carNoUp to 25%
MilitaryNoUp to 25% (active service member)
HomeownerNoUp to 15%
Other discounts
  • Multi policy discount – Up to 20%
  • SmartRide discount – 5-40% (usage based discount using plug-in device)
  • Nationwide Family Plan – Up to 25%
  • Easy-Pay sign-up discount
  • Affinity car insurance discounts – For members of partner business or organization
  • Paperless documents discount – Varies
  • 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

NationwideNationwideDirect AutoDirect Auto
Anti-theft deviceVaries (factory-installed deterrents)N/A
Anti-lock brakeNoN/A
Passive restraintsN/AN/A
Air bagNoN/A
Other discounts

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.

Find the cheapest rates

Use our magical comparison tool to find providers offering the cheapest rates in your area.

Your information is secure.

Compare other car insurance providers to Nationwide and Direct Auto

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