Farmers vs. Direct Auto: Which provider is better?

Farmers vs. Direct Auto: Which provider is better?

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Farmers vs. Direct Auto

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.

  • Get rewarded for good driving habits
  • Catastrophe response for natural disasters
  • Personal support from 50,000 agents

Our top pick: Farmers

Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.

  • Plenty of discounts
  • Catastrophe response for natural disaster.s
  • Personal support from 50,000 agents across the US
Promoted
Farmers

Farmers

Direct Auto

Direct Auto

About the provider “Serving America since 1928,” Farmers is one of the top names in car insurance with close to 20 million policies throughout all of America. With several different types of insurance to choose from, Farmers aims to insure that customers have peace of mind with its award-winning Farmers Claim Services. Founded in 1991, Direct Auto Insurance offers low-cost insurance policies to “nonstandard” drivers — also known as high-risk drivers — who might have a hard time finding coverage elsewhere. But beware, the company gets very poor reviews and only services 13 states.
Price Policy costs depend your personal situation. Visit Farmers for a quote based on your specific needs. Policy costs depend your personal situation. Visit Direct Auto for a quote based on your specific needs.
States served All 50 states 13
User satisfaction* A- F
J.D. Power ratings** 3/5 on overall claims satisfaction N/A
Driver discounts View driver discounts View driver discounts
Vehicle discounts View vehicle discounts View vehicle discounts


* Based on Better Business Bureau’s company rating
** Based on the 2016 U.S Auto Claims Satisfaction Study


Driver discounts

Farmers

Farmers

Direct Auto

Direct Auto

Good student B average or 3.0 GPA or higher Up to 10% (unmarried, full-time student, B average or better)
Defensive driver
Good driver Up to 10% (violation and accident-free for 36 months)
Pay in full discount
Multicar Up to 25%
Military Up to 25% (active service member)
Homeowner Up to 15%
Other discounts Distant students – 23 or younger, 100+ miles away from home

Teen driver – Single licensed driver under 19

Youthful driver – Driver under 25 in the household

Transfer discount – Switch to Farmers with no lapse in coverage

Senior citizen – Up to 5% (55+, completed a motor vehicle prevention course)

Prior coverage discount – Up to 25% (at another insurance company for 6 months, no more than 90 day lapse between coverage)

Renewal discount – Up to 20% (no policy lapse in prior 12 months, renew 7-10 days prior to expiration)

Welcome back discount – Up to 6%


Vehicle discounts

Farmers

Farmers

Direct Auto

Direct Auto

Anti-theft device N/A
Anti-lock brake N/A
Passive restraints N/A
Air bag N/A
Other discounts Alternative fuel – Vehicle is fueled by new alternative resources like electric / gasoline hybrid, electric, ethanol, methanol

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 Available states
Optional
Yes, 3 years accident free
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
AZ, CA, IL, NJ, OR, PA, VA, WA
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.
Optional
Yes, 5 years accident free or bought
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Yes, history based
AZ, AR, CO, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, TX, UT
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 20 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.
Optional
All states except Hawaii, Massachusetts, Michigan and New Jersey
The General offers affordable coverage for nearly any driver who needs car insurance.

Compare up to 4 providers

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