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Farmers vs. Direct Auto: Which provider is better?

Farmers vs. Direct Auto

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Fact checked

In many ways, Farmers and Direct Auto are very different companies. Direct Auto is fairly new to the insurance industry, having been in business since just 1991. Farmers, on the other hand, has been insuring drivers since 1928. Direct Auto provides coverage in only 13 states, while Farmers covers all 50 states.

Other differences include the companies’ reputations for customer service. Direct Auto receives poor reviews from its customers and gets an F from the Better Business Bureau. Meanwhile, Farmers earns an A-.

A full list of all of the similarities and differences between Farmers and Direct Auto can be found below.

Our top pick: Farmers

Say hello to a local Farmers agent who can help you find the best savings from a long list of coverage options.

  • Many savings opportunities with 13+ discounts
  • Personalized service through 50,000 local agents
  • Optional extras like accident forgiveness, custom parts or rideshare coverage

Farmers

Direct

OVERVIEW

OVERVIEW
About the provider
About the brand Say hello to a local Farmers agent who can help you find the best savings from a long list of coverage options. Qualify for car insurance stacked with multiple discounts, whether or not you have a spotty driving record.
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 Included free Optional
New car protection
New car protection Yes 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
custom
Monthly
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 Yes Yes, up to 15%
Military discount
Military discount No 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 No No
Student discount
Student discount Yes Yes, up to 10%
Usage based discount
Usage based discount No No
Learn more
Learn more

Bottom line

Farmers’ superior customer service and plentiful discounts make it the clear winner. But if you don’t qualify for insurance through Farmers because of a less-than-perfect driving record, Direct Auto does insure high-risk drivers. Compare your car insurance options to find the best insurance company for you.

Compare alternatives to Farmers and Direct Auto

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
USAA
Optional
Yes
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
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