Learn about Direct Auto’s commercial car insurance l finder.com

Direct Auto commercial car insurance review

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

  • Discounts for safe drivers, members of the military and more
  • Flexible payments
  • Customized services
Learn more Go to site

Flexible plans for southeastern companies with up to 20 vehicles.

  • Get a quote if you’re looking for customizable coverage
  • Pick something else if you want seamless mobile account management.
  • Over 600 types of businesses can find coverage for fleets of up to 20 vehicles.
States served Alabama, Arkansas, Florida, Georgia, Louisiana, Mississippi, Missouri, North Carolina, South Carolina, Tennessee, Texas, Virginia
Roadside assistance Optional
Pay schedule monthly, custom
Claims methods phone
New car protection No
Accident forgiveness No


  • Discounts and savings of 25% or more
  • Flexible payment options
  • Customized services
  • DirectDrive app


  • Limited coverage in only 11 states
  • Low customer service ratings
  • Claims by phone only
Anti-theft device discount Yes, up to 10%
Bundling discount Yes, up to 10%
Defensive driving discount Yes, up to 10%
Good student discount Yes, up to 10%
Loyalty discount Yes, up to 25%
Homeowner discount Yes, up to 15%
Military discount No
Safety device discount Yes
Special employment discount No
Usage-based discount No
Other discounts
Rideshare coverage No
SR-22 coverage Yes
Temporary & short term coverage No

What commercial car insurance coverage does Direct Auto offer?

You can buy a 6- or 12-month commercial car insurance policy from Direct Auto. Common coverages include:

  • Liability. When your business is held responsible for bodily injury or property damage after an accident, this will help cover the other driver’s losses.
  • Underinsured motorist. Covers you for damages if a driver with insufficient car insurance hits one of your vehicles.
  • Medical payments. Helps pay for hospital bills in case of injury due to an accident.
  • Hired auto and employer’s non-ownership liability. Provides coverage for bodily injuries or property damage that you or your employees cause while on the job, in “hired” vehicles like rental cars and employee’s personal cars.
  • Collision comprehensive. Secures coverage for losses that aren’t caused by a collision, like vandalism or hail.
  • Fire and theft with CAC. Limited liability coverage designed specifically for larger trucks. It helps pay to replace or repair your coverage in case of events like fire, theft or bad weather like flooding or earthquakes.

Where can I get commercial car insurance from Direct Auto?

Direct Auto sells car insurance to businesses in the following states:

  • Alabama
  • Arkansas
  • Florida
  • Georgia
  • Illinois
  • Mississippi
  • Missouri
  • North Carolina
  • Ohio
  • South Carolina
  • Tennessee
  • Texas
  • Virginia

What features does Direct Auto offer for business?

Direct Auto will insure fleets of up to 20 vehicles for over 600 types of businesses, from landscaping to publishing, consulting and more. It offers the following benefits for policyholders:

  • Automatic payments. Set up payments to minimize monthly hassle.
  • SR-22 filings. It’ll file proof that your car insurance is in line with state minimums required by law.
  • High coverage amounts. Choose from limits ranging from state minimums up to $1 million. Though you may want to work with a financial expert to ensure the $1 million cap is enough protection.
  • Unlimited additional insured drivers. Add an unlimited amount of drivers to certain policies.

What discounts does Direct Auto offer?

Direct Auto advertises that you can save up to 15% in discounts, though you’ll need to work with an agent to find out which ones apply to you. You could potentially save money for:

  • New and preferred businesses. First time customers can get special perks.
  • Associations. If you’re a member of the chamber of commerce in your area or a similar group, you might be eligible for lower rates.
  • Affiliated packages. Local offices can design special packages for each particular partnership.
  • Paid-in-full policies. Settle the bill annually instead of monthly to cut costs.
  • In-agency transfers. Discounts for keeping business with Direct Auto.

What types of commercial vehicles does Direct Auto cover?

Get Direct Auto commercial insurance for the following vehicle types:

  • Auto
  • Boom Truck
  • Dump Truck
  • Flatbed
  • Pickup
  • Stakebody
  • Step Van
  • Straight Truck
  • SUV
  • Trailer
  • Utility Truck
  • Van

How reliable is Direct Auto?

The BBB gives Direct Auto a C+ rating, though it’s not accredited. 43 customer reviews average out to just one star, with most complaints stemming from a poor claims process and lack of communication. Direct Auto has responded to each negative review with an explanation, but its responses overall lack timeliness, empathy and helpfulness. It’s important to note that none of the reviews were specifically for Direct Auto’s business coverage.

AM Best gave it a B — or fair — rating for financial stability.

Pros and cons of Direct Auto commercial car insurance

Direct Auto offers thorough coverage for businesses, but may not be best for every strategy. Before committing, consider the benefits and drawbacks:


  • More lenient about insurance history. It claims to help you get the best rates — even if you have a spotty record — and specializes in non-standard auto insurance for “high risk” individuals.
  • Convenient brick-and-mortar locations. With over 400 neighborhood locations in 12 states, there’s a high chance you’ll be able to meet with an agent face-to-face.
  • Flexible payment options. You can settle the bill online or in person, via credit or debit card, cash, check or even by text.
  • Build-your-own billing schedule. Plan out payments according to your unique budget instead of being forced to submit to a monthly system.
  • Instant proof of insurance. You’ll get proof of insurance right away, accessible via smartphone.


  • Limited to certain southeastern states. It’s available in 12 states across the nation, which might be inconvenient if your business is planning on expanding to new territory.
  • No online quotes. To get specifics about how much Direct Auto will cost your company, you’ll need to talk with an agent.
  • No app for mobile management. Its smartphone experience isn’t as slick as you may find with an industry giant.

Alternatives to Direct Auto

Name Product Roadside assistance New car protection Accident forgiveness Available states
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
Drivers in these states can apply: AK, AL, AZ, CA, CT, DC, FL, GA, HI, ID, KS, MA, MD, ME, MT, NC, NE, NH, NJ, NY, OH, OR, SC, TN, TX, UT, VA, VT, WA, WY
As the nation’s second largest auto insurance company, Geico streamlines the process of purchasing car insurance. Drivers in these states can apply: AK, AL, AZ, CA, CT, DC, FL, GA, HI, ID, KS, MA, MD, ME, MT, NC, NE, NH, NJ, NY, OH, OR, SC, TN, TX, UT, VA, VT, WA and WY.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
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. Available in 24 states.
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.

Compare up to 4 providers

How to contact Direct Auto

Get in touch with Direct Auto’s customer service any time.

  • Phone. Dial 877-463-4732 and press 1 for customer service and 2 to get a quote.
  • Live chat. IM a representative from the website.
  • Email. Send a secure message online and they’ll respond to your email.
  • In person. To find a store near you, visit the website, enter your ZIP code in its store locator and click Find Store.

Bottom line

Direct Auto’s flexible acceptance policies and regional presence might match your business’s needs. But if you want to find something with nationwide coverage or different perks, compare commercial providers to find a better fit.

Frequently asked questions about Direct Auto

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site