Direct Auto Auto Insurance Review (2024)

If you are a high-risk driver looking for nonstandard car insurance, you may want to consider Direct Auto, a National General Insurance Group subsidiary. Direct Auto car insurance sells affordable high-risk auto insurance and allows SR-22 filings for people who need them.

High-risk car insurance can get expensive, but Direct Auto auto insurance reviews find a variety of options for discounts on coverage, including bundling auto and life insurance, to help policyholders save on coverage.

So if you’re looking for a basic auto insurance policy that allows you to drive safely and legally in your state, Direct Auto may be a good fit.

What You Should Know About Direct Auto Insurance

Direct Auto offers car insurance coverage to high-risk individuals who may need SR-22 auto insurance or who may have trouble finding insurance with other providers. The company offers straightforward coverage options and allows policyholders to qualify for discounts on coverage.

Direct Auto has an A+ rating with the Better Business Bureau (BBB), but the company has a fair number of complaints on the BBB website concerning the claims process.

Many Direct Auto auto insurance reviews discuss the company’s lack of timely response when handling car insurance claims. In addition, many different Direct Auto policyholders have been unhappy with how long it has taken to receive a proper payout from the company following a covered event.

Direct Auto Insurance Coverage Options

Direct Auto offers standard options for car insurance coverage. Here are some of the Direct Auto car insurance options:

• Liability auto insurance
• Collision auto insurance
• Comprehensive auto insurance
• Medical payments
• Personal injury protection
• Uninsured/underinsured motorist

Unfortunately, Direct Auto does not offer some of the additional coverage options that other insurers include in their policies, like gap coverage or rideshare insurance, so it may not be the best company for a person looking for robust coverage with many options.

Direct Auto Insurance Add-Ons

The Direct Auto insurance company does offer add-ons for auto insurance coverage. Some of the company’s most popular add-ons include the following:

• Rental reimbursement
• Towing and labor
• Accidental death
• Customizable payments

The add-ons offered by Direct Auto will add to your insurance premium, but people often include add-ons in a policy for peace of mind. For example, if you have towing and labor on your policy, you will feel safe and secure if your car ever breaks down and needs to be towed to a mechanic’s shop.

Direct Auto Insurance Rates Breakdown

An auto insurance policy with Direct Auto will vary in cost from one person to the next. Insurance companies assess a person’s risk by evaluating many different factors, including the following:

• Age
• Gender
• Marital status
• Car make and model
• Driving history
• Credit score
• ZIP code
• Types of coverage

If you’re curious how much you would pay for Direct Auto car insurance, you can get an insurance quote straight from the company’s website. The table below provides an idea of Direct Auto’s liability insurance rates to liability-only policies.

Direct Auto Insurance Average Annual Rates by Age and Gender

Full coverage rates with Direct Auto are 27% higher than the national average. Additionally, the company’s rates in other common scenarios are often higher than other competitors:

• Rates for auto insurance for teens are almost 35% higher than the national average.
• Rates for young adult drivers are 5% higher than the national average for men and 6% higher than the national average for women.
• Rates for adult drivers are anywhere from 5% to 7% higher than the national average.
• Rates for senior drivers are 6% to 9% higher than the national average.
• Rates following a speeding ticket are nearly $500 more annually than the national average.
• Rates following an accident are around 28% higher than the national average.
• Rates following a DUI conviction are only 2% higher than the national average.
• Rates for individuals with poor credit are almost 7% higher than the national average.

As you can see, Direct Auto does not specialize in cheap auto insurance rates. Instead, the company offers coverage to individuals that other insurance companies may likely turn down. Remember that the average auto insurance rates by age can vary. The following tables show insurance rates for drivers who are considered high-risk.

Direct Auto Insurance Average Monthly Rates with a Ticket

While getting a ticket won’t raise your rates too drastically, you’ll still notice a difference if you haven’t had one before. A DUI, however, will result in a more severe increase in rates.

Direct Auto Insurance Average Monthly Rates with a DUI

Finally, while an accident won’t prevent you from getting insurance, it will increase your rates. Steps can be taken to remove points from these high-risk incidents from your license, and if your monthly costs are getting too high, it might be an avenue worth considering.

Direct Auto Insurance Average Monthly Rates with an Accident

Direct Auto could be a good choice if you’re a driver in need of high-risk auto insurance, even if it means paying higher-than-average rates for coverage.

Direct Auto Insurance Discounts Available

Unlike other companies that offer nonstandard car insurance coverage, Direct Auto provides several opportunities for policyholders to save money on their auto insurance rates by taking advantage of different discounts.

These are some of the discounts Direct Auto offers:

• Military
• Safe driver
• Good student
• Senior citizen
• Multi-vehicle
• Bundled policies
• Policy renewal
• Homeowner
• Affinity

If you believe you may qualify for any of the auto insurance discounts listed above, you can contact a Direct Auto representative to see how much a discount could help you save. Some discounts can help individuals save as much as 25% on their insurance policies.