Direct Auto Insurance ratings and reviews
- Has far more than the expected number of customer complaints, relative to its size, about auto and life insurance.
- Specializing in car insurance for high-risk drivers.
- Offers SR-22 forms.
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.
This Direct is separate and distinct from the lesser-known Direct Auto Insurance company based out of Chicago. Part of the Nodak Insurance Group, the Chicago Direct Auto specializes in non-standard car coverage primarily for the Hispanic community and is only available in Illinois.
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Direct’s auto insurance
Direct’s auto insurance earned 3.0 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account pricing and discounts, ease of filing a claim, website transparency, financial strength, complaint data from the National Association of Insurance Commissioners and more.
Direct Auto Insurance has all the basic coverage choices, including roadside assistance and towing coverage.
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.
SR-22 insurance forms: Direct Auto Insurance can provide an SR-22 form for drivers if their state requires it. An SR-22 form is a document that proves you meet your state’s minimum liability coverage. You might need an SR-22 form if you’ve been convicted of a DUI or another serious traffic offense.
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Direct’s auto insurance discounts:
- Military discount.
- Safe driver discount.
- Good student discount.
- Senior citizen discount for drivers 55 years or older who successfully complete an accident prevention course.
- Multi-vehicle discount.
- Discount for driving few annual miles.
- Multi-policy (bundling) discount.
- Discount for having insurance with your last company for at least 6 months with no more than 90 days’ lapse.
- Policy renewal discount.
- Homeowner discount.
- Discount for drivers who’ve previously purchased a policy with Direct, but haven’t had one within 6 months of the former policy.
- Affinity discount for being an active member of certain organizations.
Life insurance from Direct
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.
Direct complaints and customer satisfaction
Direct had far more than the expected number of auto and life insurance complaints to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners.
More about Direct insurance
Website: Direct’s 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 types of insurance from Direct include:|
|Motorcycle insurance||Insurance for driving in Mexico|
|Renters insurance||Commercial auto insurance|
Recap: Direct Auto Insurance pros and cons
|Can file an SR-22 form for drivers who need it||High number of auto and life insurance complaints when compared to other companies|
|Offers both car insurance for high-risk drivers and life insurance, giving customers the option to bundle policies and receive a discount||Doesn’t offer additional coverage options like gap or rideshare insurance|
|Flexible payment options available for customers|