Progressive vs Direct Auto car insurance

Progressive vs Direct Auto: Who has better car insurance?

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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
 

Progressive

Direct

OVERVIEW

OVERVIEW
About the provider
About the brand 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
JD Power ratings
JD Power ratings 5 stars 5 stars

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Optional Optional
New car protection
New car protection Yes No
Accident forgiveness
Accident forgiveness Yes No
Rideshare coverage
Accident forgiveness Yes 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
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 Yes Yes, up to 15%
Military discount
Military discount Yes No
Multi car discount
Multi car discount Yes, up to 10% 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 No
Other discounts
Other discounts
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 Safe driver discount Available states
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
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.
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy special benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
Optional
No
AZ, CA, IL, UT
A new company with a minimalist approach to insurance. Find basic coverage, low rates and online-based service.

Compare up to 4 providers

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