Progressive vs. Direct Auto: Which provider is better?

Progressive vs. Direct Auto: Which provider is better?

Progressive vs. Direct Auto

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.

Here’s what you need to know about each provider in order to choose between the two:

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Progressive

Progressive

Direct Auto

Direct Auto

About the providerProgressive is a household name and one of the largest car insurance companies in the US. Since its origins in 1937, customers have been flocking to Progressive for their insurance needs. It also offers discounts via Snapshot, a usage-based insurance program.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 Progressive 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 servedAll 50 states13
User satisfaction*A+F
J.D. Power ratings**3/5 on overall claims satisfactionN/A
Driver discountsView driver discountsView driver discounts
Vehicle discountsView vehicle discountsView 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

Progressive

Progressive

Direct Auto

Direct Auto

Good studentVaries (B’s or better. Additional discount if away at school, 100+ miles away and 22 or younger)Up to 10% (unmarried, full-time student, B average or better)
Defensive driver
Good driver31% (no tickets or accidents in the last three years)Up to 10% (violation and accident-free for 36 months)
Pay in full discount
Multicar10%Up to 25%
MilitaryUp to 25% (active service member)
HomeownerUp to 15%
Other discounts

Automatic bill pays – Varies

Sign documents online – 7% (not available in CA, GA, and NC)

Minor child driver – Varies (newly licensed child, 18 and under)

Continuous insurance (maintained active car insurance with no gaps or cancellations)

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

Progressive

Progressive

Direct Auto

Direct Auto

Anti-theft deviceN/A
Anti-lock brakeN/A
Passive restraintsN/A
Air bagN/A
Other discounts

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.

Find the cheapest rates

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

Your information is secure.

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