Direct Auto Insurance Review: Unique Discounts and Coverage Options
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Direct Auto Insurance offers comprehensive car insurance policies with unique protections and discounts. But being a lesser-known insurer, it's hard to gauge how its customer service stacks up to its competitors. Read our full Direct Auto Insurance review to learn more.
Direct Auto Insurance offers some unique add-ons and rare savings opportunities. Some drivers can find affordable rates here, while others will pay more than average with the company. Its customer service is a bit of a question mark since it hasn't appeared in any major auto insurance studies, but it could still be worth a look for those primarily interested in auto insurance.
Direct Auto Insurance's rates were above average for the groups that we looked at, particularly for drivers with accidents on their records. But drivers who qualify for some of Direct Auto Insurance's discounts may be able to secure a better rate.
| 35-year-old female, clean record | 35-year-old male, clean record | 35-year-old female, one accident | 18-year-old male, clean record |
|---|---|---|---|
| $203.33 | $207.58 | $286.00 | $461.92 |
Direct Auto Insurance's rates vary significantly depending on the driver in question. Some types of drivers, like teens, can find below-average rates here, but others pay rates far above average. The table below shows how Direct Auto Insurance's rates for several common driver profiles compare to the national average:
| Direct Auto Insurance Average Rate | National Average Rate | |
|---|---|---|
| Clean Driving Record | $2,466 | $2,389 |
| Accident on Record | $3,432 | $3,370 |
| Speeding Ticket on Record | $3,182 | $3,032 |
| DUI on Record | $3,081 | $4,380 |
| 18 Years OId - New Driver | $5,543 | $6,291 |
| 65 Years Old - Senior | $2,208 | $2,140 |
| Military Service | $2,491 | $2,375 |
| Minimum Coverage (Liability Only) | $1,043 | $787 |
Direct Auto Insurance offers a variety of driver, vehicle, and policy discounts that can help drivers save up to 25% on their car insurance rates. Some of these discounts are pretty hard to find, including the Welcome Back discount for returning former policyholders and the discounts for seniors and military members. Here's a full list of Direct Auto Insurance discounts:
Direct Auto Insurance doesn't insure as many types of vehicles as some of its competitors, so it may not be one of the best car insurance companies for drivers who are hoping to insure boats, RVs, and cars together. But it could still be a great option for drivers who are mostly interested in auto insurance.
Direct Auto Insurance offers all the standard coverage options drivers would expect to see with an auto insurer. It also has a few unique features, including its emergency protection plan, which features accidental death coverage.
It's difficult to gauge how Direct Auto Insurance's customer service compares to its competitors because it hasn't been featured in any large auto insurance customer satisfaction surveys. However, it does have a large number of glowing reviews on its company website.
Direct Auto Insurance doesn't offer a large variety of other policies, so it may not be the best choice for those seeking to bundle multiple policies with a single provider.
2025 Award Winner
2025 Award Winner
When looking for an insurer known for its affordable rates: Geico is one of the best-known cheap auto insurers because it offers a variety of discounts available to help drivers keep costs low. It also offers pretty comprehensive policies, but drivers won't find some of the unique options, like term life insurance offered by Direct Auto Insurance.
When looking for an insurer known for great customer service: State Farm fared well in the latest J.D. Power Auto Insurer Customer Satisfaction Survey and is known for its excellent customer service. It also offers comprehensive policies, though it too is missing some of the unique add-ons found with Direct Auto Insurance.
Direct Auto Insurance could be a good fit for:
But drivers who prioritize low rates might be better off checking out other car insurance companies, like Geico.
At Motley Fool Money, insurers are rated on a scale of one to five stars. We primarily focus on pricing, coverage options, and customer satisfaction; however, we also take into account features like unique discounts, online and app-based experiences, and branch access. Our highest-rated auto insurances generally include low costs, solid coverage, and high customer satisfaction.
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