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State Farm vs. Direct Auto: Compare rates and discounts

State Farm vs. Direct Auto

Updated

Fact checked

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.

Our top pick: State Farm

Work with a dedicated agent to find the right coverage for you, including bundling other policies for the best value. Start your policy today at 877-745-0232.

  • Excellent rating and top choice in the US
  • Full range of financial options
  • Available in 50 states
  • Excellent rating and top choice in the US
  • Full range of financial options
  • Available in 50 states
 

State Farm

Direct

OVERVIEW

OVERVIEW
About the provider
About the brand Work with a dedicated agent to find the right coverage for you, including bundling other policies for the best value. Start your policy today at 877-745-0232. Qualify for car insurance stacked with multiple discounts, whether or not you have a spotty driving record.
States served
States served All 50 states AL, AR, FL, GA, LA, MS, MO, NC, SC, TN, TX, VA

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Optional Optional
New car protection
New car protection Yes No
Accident forgiveness
Accident forgiveness Yes No
Rideshare coverage
Rideshare coverage 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
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 No Yes, up to 25%
Multi car discount
Multi car discount Yes, Up to 20% Yes
Paid in full discount
Paid in full discount Yes Yes
Safety device discount
Safety device discount Yes, up to 40% 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, Up to 25% Yes, up to 10%
Usage based discount
Usage based discount No No
Learn more
Learn more

Compare alternatives to State Farm and Direct Auto

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Car Insurance Finder
Optional
Optional
Yes
All 50 states
Get your customized online car insurance quote from top brands near you. Answer 3 easy questions to see your top picks in seconds.
Assurance
Optional
Yes
All states except AK & HI
This broker shines with over 600 positive customer reviews, more top ratings than any broker we've compared.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
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