Progressive vs Direct Auto: Who has better car insurance? |

Progressive vs Direct Auto car insurance

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Progressive vs Direct Auto: Who has better car insurance?

A fairly newcomer on the scene, Direct Auto Insurance was founded in 1991, while Progressive has been around since 1937. Both offer low rates by providing discounts, but there are few other similarities.

Direct Auto only services 13 states and gets a dreadful F from the Better Business Bureau. However, they do offer coverage to “high-risk” drivers, and even help them file an SR-22, if necessary. At the other end of the spectrum, Progressive gets an excellent A+ from the BBB and provides auto insurance in all 50 states.

Progressive is a standard provider available everywhere, and you’ll probably find the best rates from this provider unless you’re a high risk driver.

  • Top-rated insurer
  • Online quotes & claims
  • Bundle and save

Our top pick: Progressive

Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.

  • Top-rated insurer with 80 years of experience
  • Easy online sign-up and reporting
  • Multiple discounts available
  • Transparent quoting





About the provider
About the provider Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy. Discounts, flexible payments and a life coach that guides you to your best rates and coverage with Direct car insurance.
States served
States served All 50 states AL, AR, FL, GA, LA, MS, MO, NC, SC, TN, TX, VA
User satisfaction
User satisfaction 3 stars Not rated
J.D Power ratings
J.D Power ratings 5 stars 5 stars
Roadside assistance
Roadside assistance Optional Optional
New car protection
New car protection Yes No
Bundling discount
Bundling discount Yes Yes, up to 10%
Student discount
Student discount Yes Yes, up to 10%
Defensive driver discount
Defensive driver discount Yes Yes, up to 10%
Good driver discount
Good driver discount Yes Yes, up to 10%
Paid in full discount
Paid in full discount Yes Yes
Multi car discount
Multi car discount Yes, up to 10% Yes
Military discount
Military discount Yes No
Home owner discount
Home owner discount Yes Yes, up to 15%
Anti theft device discount
Anti theft device discount Yes Yes, up to 10%
Safety device discount
Safety device discount Yes Yes
Special employment discount
Special employment discount No No
Usage based discount
Usage based discount Yes No
Other discounts
Other discounts
Accident forgiveness
Accident forgiveness Yes, 3 years accident free No
Learn more
Learn more

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

Bottom line

The clear winner here is Progressive. The provider offers more discounts and has a much better reputation for customer service. But if you are a high-risk driver and can’t get coverage through Progressive, Direct Auto might be your only option. If neither one’s right for you, compare car insurance options to find the best policy for you.

Compare alternatives to Progressive and Direct Auto

Name Product Roadside assistance New car protection Accident forgiveness Available states
Yes, 3 years accident free
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
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.
Yes, 5 years accident free or bought
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Yes, history based
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.
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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