USAA vs. Direct Auto: Compare rates and discounts | finder.com

USAA vs. Direct Auto: Compare rates and discounts

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USAA vs. Direct Auto

Are you trying to choose between USAA and Direct Auto for car insurance? This detailed comparison will give you the information you need to make your decision. But first, let’s take a look at the highlights of each company.

USAA is dedicated to serving our military and their family members. They have been providing insurance since 1922, and have an excellent reputation for customer service. This reputation has earned them an A+ from the Better Business Bureau and an unheard of 5 out of 5 rating from J.D. Power.

Conversely, Direct Auto has only been around since 1991 and gets consistently poor reviews from consumers, earning an F from the BBB. However, it does provide insurance for high-risk drivers. If you fall into this category, you might be having a hard time finding a provider that will cover you. If that’s the case, Direct Auto might be an option.

Now, let’s dive into the details…

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USAA

USAA

Direct Auto

Direct Auto

About the provider Operating since 1922, USAA is a company that deals primarily with military members and their families. It offers a wide array of products ranging from car insurance, homeowners insurance, banking, investing and more. 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 USAA 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* A+ F
J.D. Power ratings** 5/5 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

USAA

USAA

Direct Auto

Direct Auto

Good student Up to 10% (unmarried, full-time student, B average or better)
Defensive driver
Good driver Good driving record for more than 5 years Up to 10% (violation and accident-free for 36 months)
Pay in full discount
Multicar Up to 25%
Military Up to 25% (active service member)
Homeowner Up to 15%
Other discounts Annual mileage discount – Only for those over the age of 29

Driver training discount – For drivers under 21

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

USAA

USAA

Direct Auto

Direct Auto

Anti-theft device N/A
Anti-lock brake N/A
Passive restraints N/A N/A
Air bag N/A
Other discounts New vehicle discount – Vehicles under 3 years old

Vehicle storage – Up to 60% (only for stored cars being insured)

Bottom line

USAA’s A+ rating from the BBB and their diverse discounts make this provider the clear winner. However, they only offer insurance to the military and their family members. If you don’t qualify for insurance through USAA and you are a high-risk driver, you might want to consider Direct Auto, but only if you live in one of the 13 states it services.

Compare your car insurance options to find the best insurance company for you.

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Compare the best car insurance companies near you.

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