USAA vs. Direct Auto: Compare rates and discounts

USAA vs. Direct Auto

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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…

  • For military members & family
  • Convenient service through the mobile app
  • Coverage around the world

Our top pick: USAA

USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

  • Save when you bundle your home and car insurance
  • Driver & vehicle discounts
  • 24/7 claims service through USAA’s free mobile app
  • Membership savings
  • Get dividends from company profits
  • Flexible premium payments
 

USAA

Direct

OVERVIEW

OVERVIEW
About the provider
About the brand USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members. 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 5 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 No 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
Payment schedule
Payment schedule 12 months
6 months
custom
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 No Yes, up to 15%
Military discount
Military discount Yes No
Multi car discount
Multi car discount Yes 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 Yes 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

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.

Compare alternatives to USAA 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.

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