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USAA vs. Direct Auto: Compare rates and discounts

USAA vs. Direct Auto

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Fact checked

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.

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

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. Your agent can help you get the right amount of coverage and best discounts.
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 No 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
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 Yes, up to 25%
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
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
Progressive
Optional
30%
All 50 states
Get unlimited discounts and score a lower deductible every 6 months you don't make a claim.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Find basic coverage and low rates through its easy online or app-based experience.
Assurance
Optional
Yes
All states except AK & HI
Your broker is your one-stop shop for comparing any coverage you need.
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.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Enjoy exclusive savings and benefits designed for experienced drivers over the age of 49.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Convenient online quotes, coverage and claims for tech-savvy drivers.
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