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Direct Auto car insurance review

Last updated:  

Discounts, flexible payments and a “life coach” that guides you to your best rates and coverage.

finder.com’s rating: 4 / 5.0


  • Get a quote if you want personalized guidance through the process.
  • Pick something else if you don’t live in the Southeast.
  • High-risk drivers who need an SR‌-22 can get coverage.


Roadside assistance

New car protection

Accident forgiveness


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

Expert review

Jing Jun Ma

Review by

Jing Jun Ma is an innovations expert at Finder. With a decade of experience in digital marketing and programming, Jing is a tech and data guy. He wrangles data to make it useful for consumers facing a decision.

Expert review

Unlike most providers, Direct Auto aims to insure anyone who needs it, regardless of their driving history. That earns the insurer a reputation for low-cost policies with high approval rates and remarkable customer service.

Direct Auto can take the frustration out of finding the exact coverage you’re looking for, whether you’re just meeting state minimums or protecting multiple assets. However, if you don’t live in one of the 11 states it services or don’t qualify as high risk, you might find cheaper rates at a more general insurer.

Where is Direct Auto available?

Unfortunately, Direct auto insurance is only available in the Southeastern US. However, with over 400 locations across 11 states, you’ll have no problem getting coverage if you live in one of the following states:

  • Alabama
  • Arkansas
  • Florida
  • Georgia
  • Louisiana
  • Mississippi
  • North Carolina
  • South Carolina
  • Tennessee
  • Texas
  • Virginia

What car insurance coverage does Direct Auto Insurance offer?

Direct Auto Insurance offers insurance policies to “nonstandard” drivers — also known as high-risk drivers — that may have a hard time finding coverage elsewhere. It can help drivers file for an SR-22, if required for coverage. Regardless of your driving history, Direct is a great choice for high-risk drivers looking for coverage.

  • Bodily injury liability. Protects you financially if you cause a car accident that injures another person.
  • Property damage liability. Protects you if your car damages someone else’s property.
  • Collision coverage. Pays for damage to your car when your car hits or is hit by another car.
  • Comprehensive coverage. Covers your car from accidents, theft, vandalism and other damage on or off the road.
  • Medical payments. This optional coverage pays for medical bills beyond what your health insurance covers.
  • Personal injury protection. Where available, this optional coverage pays for medical bills and indirect costs— like lost wages — from auto accidents.
  • Uninsured motorist. Pays for expenses related to being hit by an uninsured driver or a hit and run.
  • Towing, labor and rental reimbursement. Optional coverage for your roadside repairs and the cost of a rental car, if your car is repaired due to an accident.
  • Accidental death. Pays you or your beneficiary in the event of accidental death or loss resulting from an accident.

What extra benefits and add-ons does Direct Auto Insurance offer?

Direct offers various types of auto insurance coverage and a number of additional perks. Here are some of the many “pleasant surprises”:

  • 24/7 roadside assistance
  • Emergency Protection Plans
  • Toll-free access to friendly agents by phone
  • DirectDrive app with mobile proof of insurance, driving tips, and more
  • Customizable payments
  • E-sign to apply for coverage online
  • Text to pay
  • Online bill pay
  • Mexico auto insurance

What discounts can I get with Direct Auto Insurance?

Direct offers a number of discounts that can help reduce your premiums.

  • Military Discount– Up to 25% off: If you are an active service member and can provide documentation proving so.
  • Safe Driver Discount – Up to 10% off: If you’re a policy member and have been violation and accident-free for the past three years.
  • Good Student Discount – Up to 10% off: If you’re a full-time student in high school, college, or a vocational/technical school, and hold a “B” average or better, fall in the upper 20% of the class, or are on the dean’s list.
  • Senior Citizen Discount– Up to 5% off: If you successfully complete a motor vehicle accident prevention course and are 55 or older.
  • Multi-Car Discount– Up to 25% off: If your policy covers more than one vehicle.
  • Mileage Discount– Up to 5% off: For driving under a certain mileage on an annual basis.
  • Multi-Product Discount– Up to 5% off: If you include one or more qualifying products in your auto policy.
  • Prior Coverage Discount– Up to 25% off: If you switch from another insurance company that you’d been with for at least 6 months without more than 90 days of lapse in previous coverage.
  • Homeowner Discount– Up to 15% off: If you, or your spouse, own a home and keep your vehicles at that address.
  • Renewal Discount– Up to 20% off: If you renew your policy within 7 to 10 days of the expiration date and have had no policy lapse in the prior 12 months.
  • Welcome Back Discount– Up to 6% off: If you have previously purchased a policy with Direct but have not had one within 6 months of that former policy.
  • Affinity Discount– Up to 5% off: If you’re an active member of an organization that has partnered with Direct.

Pros and cons of Direct Auto Insurance


  • Discounts. Direct Auto offers discounts to safe drivers, members of the military and more, with additional savings for bundling coverage. They claim to save customers who switch 25% or more.
  • Flexible payments. You decide when and how much you’ll pay each month based on your budget. And you can pay online, text, by mail or at one of 400 Direct Auto offices.
  • Customized services. A Direct Auto “life coach” guides you through questions to determine how much coverage is right for your needs.
  • DirectDrive app. Use your smartphone to monitor your driving behavior, log car trips or access ID cards.


  • Limited coverage. Direct Auto Insurance services only 11 states at this time. If you live outside its territory, you’ll have to look elsewhere for coverage.
  • Customer service. Online reviews reveal low ratings and complaints with the BBB and National Association of Insurance Commissioners.
  • Claims by phone only. At this time, Direct Auto does not offer the ability to file a claim online or through its app.

Alternatives to Direct Auto Insurance

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
All 50 states
Choose from a long list of discounts and coverage for almost any driver.
All 50 states
Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching.
The Hartford
All states except AK, HI, LA, MI, RI
Enjoy benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Pay-as-you-go rates based on how much and how well you drive start at $29/month plus pennies per mile.
Safe, low-mileage drivers could save up to 52% by tracking their driving in the app.
Find basic coverage and low rates through its easy online or app-based experience.
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.

Compare up to 4 providers

How to apply for Direct Auto

In order to apply for coverage with Direct, you’ll first need to visit the homepage.

  1. Enter your ZIP code, then click “Start now”
  2. Call the number you’re given to speak with an agent and discuss your auto insurance needs.
  3. Your agent will help you find a policy and get the coverage you need.

What do customers say about Direct Auto Insurance?

Direct General, the parent company of Direct Auto & Life Insurance is NOT accredited on the official BBB website, but it does hold an A+ rating. However, despite its high rating, there are over 150 total customer complaints, and only 1 of the 20 customer reviews are positive. Many customers are displeased with customer service, rejected claims, and lack of coverage.

While the official BBB website usually offers an accurate representation of a company’s business practices, you should always take customer reviews with a grain of salt. Most customers won’t take the time to report positive experiences, which is often why there are so many more negative reviews.

How to contact Direct Auto?

You can contact Direct a few different ways:

  • Online (email)
  • Live chat
  • Find a store
  • By phone: 1-877-463-4732

Customer Service hours of operation

  • Monday – Friday: 7:30 AM CT – 8:00 PM CT
  • Saturday: 7:30 AM CT – 5:00 PM CT
  • Sunday: Closed

Sales hours of operation

  • Monday – Friday: 7:30 AM CT – 8:00 PM CT
  • Saturday: 8:00 AM CT – 6:00 PM CT
  • Sunday: Closed

Frequently asked questions about Direct car insurance

Car insurance ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our insurance team analyzes car insurance providers to help you choose the best car insurance for you.

We rank insurers from one to five stars based on key factors including customer satisfaction, policy options, price, billing, claims, and support. We create these rankings to help you narrow down an insurance provider that best suits your budget and coverage needs.

Learn the details of our methodology and scoring.

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