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Direct Auto Insurance Review 2018: Complaints, Ratings and Coverage

Feb. 21, 2018
Auto Insurance, Insurance
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Direct Auto Insurance ratings and reviews

  • Financial strength rating is excellent
  • Has far more than the median number of customer complaints, relative to its size, about auto insurance
  • Offers SR-22 insurance

Overview

Direct Auto Insurance is part of the Direct General Insurance Group (not to be confused with The General), which caters primarily to high-risk drivers who can’t get car insurance elsewhere. It may suit your needs if you’ve been denied coverage due to at-fault crashes, poor credit or other issues, or if you simply want to satisfy your state’s minimum liability insurance requirements.

Complaints

Direct Auto & Life Insurance had far more than the median number of auto and life insurance complaints to state regulators in 2017 relative to its size, according to the National Association of Insurance Commissioners.

Financial strength: A- (“excellent")

Direct Auto Insurance’s financial strength is “excellent,” according to ratings agency A.M. Best. Financial strength is important because it indicates how well an insurer can pay claims.


Complaints

Direct Auto & Life Insurance had far more than the median number of auto and life insurance complaints to state regulators in 2017 relative to its size, according to the National Association of Insurance Commissioners.

Financial strength: A- (“excellent")

Direct Auto Insurance’s financial strength is “excellent,” according to ratings agency A.M. Best. Financial strength is important because it indicates how well an insurer can pay claims.

Direct’s auto insurance

Direct Auto Insurance has all the basic coverage choices, including roadside assistance and towing coverage, and is available in 11 states:

Customizable payments: The company lets you decide what day of the month your auto insurance bill is due, and offers several ways to pay, including by phone with text-to-pay and in person at branded kiosks in Tennessee.

Direct’s life insurance

You can get term life insurance from Direct, up to $25,000, though coverage varies by state. Only 6- or 12-month terms are available, but you can renew up to two years at the same premium, and there are no medical exams for Direct’s life insurance policies. As with Direct’s auto insurance, you may have to pay a down payment when you purchase a policy.

More about Direct Auto Insurance

Website: The Direct Auto & Life Insurance site includes detailed explanations of its discounts, coverages, payment options and claim procedures. Customers can log in to pay bills, or view ID cards and policy information.

Other insurance and products from Direct or its partners, though availability of each may vary by state:

  • Motorcycle insurance
  • Roadside assistance
  • Medical accident (supplemental health) insurance
  • Emergency protection plans
  • Insurance for driving in Mexico
  • Commercial auto insurance

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