State Farm vs. Direct Auto: Compare rates and discounts

State Farm vs. Direct Auto: Compare rates and discounts

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State Farm vs. Direct Auto

If you’re considering State Farm and Direct Auto Insurance for car insurance, you’ll find the information you need to know about each provider here.

Direct Auto has been in business since 1991, and only services 13 states, while State Farm has been around since 1922 and provides coverage in all 50 states. And the differences don’t end there. State Farm has a good reputation for customer service, getting a B+ from the Better Business Bureau and a 3 out of 5 rating from J.D. Power. Contrast that with Direct Auto’s F from the BBB, and you might wonder why you would even consider Direct Auto.

However, there is one difference that works in Direct Auto’s favor. They are known for insuring high-risk drivers. If this designation applies to you, Direct Auto could be an option. Check out our detailed comparison below, and find out which provider is right for you.

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State Farm

State Farm

Direct Auto

Direct Auto

About the provider Founded in 1922, State Farm ranks as one of the top companies where cars and homes are insured. State Farm stands by its customers by striving to offer the best products and prices. The company is no stranger to the Fortune 500 list. 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.
Price Policy costs depend your personal situation. Visit State Farm 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 served All 50 states 13
User satisfaction* B+ F
J.D. Power ratings** 3/5 on overall claims satisfaction N/A
Driver discounts View driver discounts View driver discounts
Vehicle discounts View vehicle discounts View vehicle discounts


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


Driver discounts

State Farm

State Farm

Direct Auto

Direct Auto

Good student Up to 25% (under 25). Additional discount if student is away from home and only using the car when back home. Up to 10% (unmarried, full-time student, B average or better)
Defensive driver
Good driver (3 years no moving violations or at-fault accidents) Up to 10% (violation and accident-free for 36 months)
Pay in full discount
Multicar Up to 20% (two or more vehicles in household) Up to 25%
Military Up to 25% (active service member)
Homeowner Up to 15%
Other discounts Driving training – Varies (all operators under 21 complete approved drivers education)

Drive Safe & Safe – Enroll in the State Farm app

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

State Farm

State Farm

Direct Auto

Direct Auto

Anti-theft device N/A
Anti-lock brake N/A
Passive restraints Up to 40% (medical-related coverage, vehicle made in 1994 or later) N/A
Air bag N/A
Other discounts Vehicle safety discount – Up to 40% (medical-related coverage, vehicle made in 1994 or later)

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