Direct Auto Car Insurance Review for 2024 [Find What They Charge Here]

Our Direct Auto car insurance review discusses why Direct Auto may be a good choice for high-risk drivers buying car insurance but may be expensive for other drivers.

Our rating of Direct Auto is calculated based on several factors, such as Direct Auto’s reputation, business ratings, costs, and more.

Direct Auto Car Insurance Rating

Rating Criteria
Overall Score	3.4
Business Reviews	3.5
Claim Processing	2.0
Company Reputation	3.0
Coverage Availability	2.4
Coverage Value	3.2
Customer Satisfaction	4.3
Digital Experience	3.0
Discounts Available	4.0
Insurance Cost	4.1
Plan Personalization	3.0
Policy Options	3.4
Savings Potential	4.0

Continue reading to find out if Direct Auto is the right auto insurance company for you by learning about its rates, coverages, and more. Our free quote tool will also help you narrow down car insurance companies to find the best car insurance company for you.

Direct Auto Car Insurance Rates

How much customers pay for Direct Auto insurance depends on several factors, such as age, gender, and driving record. Young drivers pay the most at car insurance companies; statistically, they are more likely to file claims.

Direct Auto Car Insurance Monthly Rates by Coverage Level, Age, & Gender

The Direct Auto rates shown above are for drivers purchasing their own individual policies, so younger drivers’ rates will be more economical if they join an existing policy (Read More: The Perks of Staying on Your Parents’ Car Insurance Policy).

Direct Auto rates will also be different depending on your driving record, with higher rates for DUIs, accidents, and tickets.

Direct Auto Car Insurance Monthly Rates by Driving Record

If you have a poor driving record with multiple infractions, rates may be even higher than the ones displayed above.

Direct Auto vs. the Competition: Car Insurance Rates

While not the cheapest auto insurance company on the market, Direct Auto is one of the more affordable companies for teen drivers compared to its competition.

Direct Auto vs. Competitors: Full Coverage Auto Insurance Monthly Rates by Age & Gender

Insurance Company	Age: 18 Female	Age: 18 Male	Age: 30 Female	Age: 30 Male	Age: 45 Female	Age: 45 Male	Age: 60 Female	Age: 60 Male
	$448	$519	$168	$176	$162	$160	$150	$154
	$398	$459	$129	$134	$117	$115	$104	$107
	$220	$254	$90	$87	$80	$80	$73	$74
	$626	$626	$174	$200	$171	$174	$148	$159
	$522	$626	$174	$200	$171	$174	$148	$159
	$591	$662	$131	$136	$105	$112	$92	$95
	$229	$284	$94	$103	$86	$86	$76	$76
	$530	$740	$99	$108	$98	$99	$89	$90

When it comes to comparing Direct Auto to other companies based on driving records, however, Direct Auto isn’t as economical.

Direct Auto vs. Competitors: Full Coverage Auto Insurance Monthly Rates by Driving Record

Insurance Company	Clean Record	One Ticket	One Accident	One DUI
	$86	$108	$133	$148
	$160	$188	$225	$270
	$117	$136	$176	$194
	$139	$173	$198	$193
	$80	$106	$132	$216
	$174	$212	$234	$313
	$115	$137	$161	$237
	$105	$140	$186	$140

Direct Auto is one of the more expensive choices for drivers with clean driving records, and it is also more expensive for high-risk drivers (Learn More: Things You Do That Can Raise Your Premiums). Drivers can get Direct Auto quotes, however, to see what their exact rate would be.

Why is Direct Auto pricier? Because Direct Auto specializes in higher-risk drivers, it means it will ensure drivers who have trouble finding coverage elsewhere, which drives up rates.

Direct Auto Car Insurance Coverage

So, what types of car insurance coverage can you buy from Direct Auto? The company sells all of the following coverages to its customers:

Direct Auto Car Insurance Coverage Options

Direct Auto does have fewer options than its competition, as it offers few add-ons besides the basic coverages needed to drive legally.

Direct Auto Car Insurance Discounts

Direct Auto is pricey for most drivers, but this doesn’t mean rates can be lowered on a Direct Auto policy. The best way to save at Direct Auto is to apply for car insurance discounts.

Direct Auto Car Insurance Discounts by Savings Potential

Discount Name
Multi-Car	25%
Prior Coverage	25%
Safe Driver	10%
Good Student	10%
Military	25%
Homeowner	15%
Renewal	20%
Welcome Back	6%
Affinity	5%
Mileage	5%
Senior Citizen	5%

Insuring more than one car at Direct Auto will earn you the largest discount on your Direct Auto insurance policy. You can also save with smaller discounts like a good student discount or an affinity discount.

You can apply for multiple Direct Auto discounts on your policy to lower your car insurance cost at Direct Auto.

Direct Auto Customer Reviews

Direct Auto has mixed customer reviews and ratings, with negatives focused on price increases and cancellations, such as in the Reddit review shown below.

Direct Auto Business Ratings

Several businesses have rated Direct Auto, from A.M. Best to BBB. See what businesses think about Direct Auto below.

Direct Auto Business Insurance Ratings

Agency
	Score: 810 / 1,000 Avg. Satisfaction
	Score: B+ Good Business Practices
	Score: 70/100 Mixed Customer Feedback
	Score: 1.25 Avg. Complaints
	Score: B+ Good Financial Strength

J.D. Power gave Direct Auto a lower score, meaning that customers aren’t completely satisfied with services when filing a car insurance claim. Direct Auto also has a much higher complaint score from customers.

On the positive side, Direct Auto has a strong financial stability rating from A.M. Best and a strong overall rating from the BBB.

Direct Auto Pros and Cons

Picking an auto insurance company is an important decision, as you want to find an affordable and reliable company. Some of the pros of signing up with Direct Auto include:

• High-Risk Coverage: Direct Auto ensures higher-risk drivers and files SR-22 forms if needed.
• Financial Stability: A.M. Best gave Direct Auto an A rating.
• Discount Options: Customers can apply for good student discounts, multi-car discounts, and more.

Cons that may deter you from picking Direct Auto as a company include:

• Higher Rates: Direct Auto is expensive for good drivers and isn’t the cheapest for bad drivers.
• Fewer Coverage Choices: Direct Auto doesn’t offer many add-on coverage options besides the basics (Learn More: The Perks and Pitfalls of Car Insurance Add-Ons).

For many drivers, the cons of Direct Auto will outweigh the pros. However, Direct Auto is still a good choice for higher-risk drivers who are having trouble finding auto insurance coverage.

Deciding if Direct Auto Car Insurance is Right for You

We hope our Direct Auto car insurance review has helped you reach a decision about the company. While Direct Auto is ideal for higher-risk drivers, such as teens or drivers with poor driving records, it is probably not the best choice for good drivers who can find cheaper coverage at one of the cheapest car insurance companies.

We recommend comparing several companies’ quotes to find the best deal for your coverage needs. Compare rates for free today by entering your ZIP into our comprehensive quote tool.