{"id":323870,"date":"2025-11-07T22:14:15","date_gmt":"2025-11-08T03:14:15","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=135946"},"modified":"2025-11-07T22:14:16","modified_gmt":"2025-11-08T03:14:16","slug":"direct-auto-insurance-review","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/car\/direct-auto-insurance-review\/","title":{"rendered":"Direct Auto Insurance Review"},"content":{"rendered":"\n\n\n<p>Direct Auto Insurance is part of National General (an Allstate company) and focuses on non\u2011standard auto coverage for <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/best-for-high-risk-drivers\/\">high-risk drivers<\/a>. The brand sells policies in a limited 13\u2011state footprint and supports in\u2011person service through a large local store network (<a href=\"https:\/\/www.directauto.com\">About<\/a>; verify availability by state at <a href=\"https:\/\/local.directauto.com\/\">Direct Auto locations<\/a>).<\/p>\n\n\n\n<p>Direct Auto offers the core auto coverages and a broad set of common discounts, but it operates in only 13 states and the National Association of Insurance Commissioners\u2019 (NAIC) complaint index for National General\u2019s private\u2011passenger auto business has often been above the industry baseline of 1.00 (industry average = 1.00; see current results via the NAIC <a href=\"https:\/\/www.naic.org\/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&amp;COCODE=23728&amp;REALM=PROD\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">consumer complaint tool<\/a>). For drivers needing SR\u201122\/FR\u201144 filings or flexible, in\u2011person service, this carrier can be a practical option (<a href=\"https:\/\/www.directauto.com\">Direct Auto: Car insurance<\/a>).<\/p>\n\n\n\n<ul><li><strong>In business since:<\/strong> 1991<\/li><li><strong>J.D. Power auto claims satisfaction score: <\/strong>Not ranked; see the latest regional results in the <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\">J.D. Power U.S. Auto Insurance Study<\/a><\/li><li><strong>AM Best financial strength:<\/strong> National General Group: <a href=\"https:\/\/ratings.ambest.com\/search?term=National%20General%20Group\">A (Excellent), Outlook Stable<\/a>; Parent Allstate Insurance Group: <a href=\"https:\/\/ratings.ambest.com\/search?term=Allstate%20Insurance%20Group\">A+ (Superior), Outlook Stable<\/a><\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"review\" title=\"Direct Auto Insurance Review\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\"><strong>Direct Auto Insurance Review<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top table--rounded\"><table class=\"\"><tbody><tr><td>Pros<\/td><td>Cons<\/td><\/tr><tr><td>Accepts high-risk drivers (including those needing SR\u201122\/FR\u201144 filings) and supports in\u2011person service through local storefronts (<a href=\"https:\/\/www.directauto.com\">Direct Auto<\/a>).<br>Common discount opportunities (availability varies by state) include multi-vehicle\/multi-policy, good student, defensive driving, homeowner, and administrative savings like autopay and pay-in-full (<a href=\"https:\/\/www.iii.org\/article\/how-to-reduce-your-auto-insurance-costs\">Insurance Information Institute<\/a>).<br>Core coverages available with optional add-ons such as rental reimbursement and roadside assistance; flexible billing and payment schedules are emphasized (<a href=\"https:\/\/www.directauto.com\">Direct Auto<\/a>).<\/td><td>Customer complaints: NAIC complaint index for National General\u2019s private\u2011passenger auto business has run above the 1.00 industry baseline (check current figures via <a href=\"https:\/\/www.naic.org\/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&amp;COCODE=23728&amp;REALM=PROD\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">NAIC<\/a>).<br>Limited to 13 states (<a href=\"https:\/\/local.directauto.com\/\">locations<\/a>).<br>No widely advertised telematics\/usage\u2011based discount program across its footprint; availability may vary by market (see <a href=\"https:\/\/content.naic.org\">NAIC telematics explainer<\/a>).<br>Digital self\u2011service and claim initiation options may be more limited than national leaders; 24\/7 phone support is standard (J.D. Power notes digital capabilities influence satisfaction in the <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\">U.S. Auto Insurance Study<\/a>).<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">The Auto Insurance Factors We Analyzed<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Pricing<\/h3>\n\n\n\n<p>Average rates aren\u2019t published by Direct Auto. Pricing is highly individualized by state, vehicle, mileage, driving history, and credit (where permitted). Marketwide, premiums have remained elevated; the U.S. Bureau of Labor Statistics reported motor vehicle insurance costs up about 18.9% year over year as of the September 2024 CPI release (<a href=\"https:\/\/www.bls.gov\/news.release\/archives\/cpi_10102024.htm\">BLS<\/a>). In response, shopping has surged to record highs and more drivers are considering telematics programs to manage price (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-insurance-shopping-study\">J.D. Power Insurance Shopping Study<\/a>). If you\u2019re a low\u2011mileage or consistently safe driver, a usage\u2011based\/telematics program can sometimes lower costs\u2014availability varies and programs require data sharing (<a href=\"https:\/\/content.naic.org\">NAIC<\/a>). Direct Auto does not widely advertise a telematics program across all states; confirm options with a local agent.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Customer experience<\/h3>\n\n\n\n<p>AM Best rates insurers (and pooled groups) on financial strength rather than consumer brands. Direct Auto policies are commonly issued by members of National General Group, which carries an <a href=\"https:\/\/ratings.ambest.com\/search?term=National%20General%20Group\">A (Excellent)<\/a> Financial Strength Rating (Outlook Stable). For parent context, Allstate Insurance Group is rated <a href=\"https:\/\/ratings.ambest.com\/search?term=Allstate%20Insurance%20Group\">A+ (Superior)<\/a>. AM Best explains these ratings reflect an insurer\u2019s ability to meet ongoing obligations (<a href=\"https:\/\/www.ambest.com\/ratings\/index.html\">About AM Best ratings<\/a>). On complaints, NAIC data show the private\u2011passenger auto complaint index for National General exceeds the 1.00 industry baseline at times (use NAIC\u2019s tool for the current value). Broadly, customer satisfaction across finance\/insurance sectors has stabilized in the mid\u201170s on the 0\u2013100 ACSI scale (<a href=\"https:\/\/theacsi.org\">ACSI finance\/insurance<\/a>), while the <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\">2024 J.D. Power U.S. Auto Insurance Study<\/a> highlights continued price pressure and regional score differences; USAA is not rank\u2011eligible due to membership limits and GEICO performs above average in several regions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Coverage<\/h3>\n\n\n\n<p>Direct Auto offers the core protections most drivers consider: liability (bodily injury\/property damage), collision, comprehensive, plus state\u2011dependent medical payments or PIP, and uninsured\/underinsured motorist. Common add\u2011ons include rental reimbursement and roadside assistance; the company also helps with SR\u201122\/FR\u201144 filings where required (<a href=\"https:\/\/www.directauto.com\">Direct Auto<\/a>; learn about SR\u201122 basics <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/what-is-sr-22-insurance\/\">here<\/a>). Industry\u2011wide, optional coverages such as GAP\/loan\u2011lease, OEM parts, rideshare endorsements, and EV battery\/charger protections have expanded, but Direct Auto does not publicly advertise these across its footprint\u2014availability is state\u2011 and underwriting\u2011dependent (see market context from the <a href=\"https:\/\/www.iii.org\/article\/how-to-reduce-your-auto-insurance-costs\">Insurance Information Institute<\/a> and coverage trends in <a href=\"https:\/\/www2.deloitte.com\">Deloitte\u2019s 2025 outlook<\/a> and <a href=\"https:\/\/www.verisk.com\/insurance\/visualize\/insuring-electric-vehicles-what-carriers-need-to-know\/\">Verisk (EV repair\/risk)<\/a>). If you need specific endorsements like rideshare, OEM parts, or GAP, verify availability before you buy (the CFPB has flagged concerns around dealer\u2011sold GAP add\u2011ons: <a href=\"https:\/\/www.consumerfinance.gov\">CFPB<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Deals, discounts, and add-ons<\/h3>\n\n\n\n<p>Discounts vary by state and underwriting company. Typical opportunities include bundling (multi\u2011policy), multi\u2011vehicle, safe\/accident\u2011free driving, good student and driver training, vehicle safety\/anti\u2011theft features, and administrative savings like paperless, autopay, early signing, and pay\u2011in\u2011full (<a href=\"https:\/\/www.iii.org\/article\/how-to-reduce-your-auto-insurance-costs\">III<\/a>; examples from major carriers: <a href=\"https:\/\/www.geico.com\/save\/discounts\/\">GEICO<\/a>, <a href=\"https:\/\/www.progressive.com\/auto\/discounts\/\">Progressive<\/a>, <a href=\"https:\/\/www.allstate.com\">Allstate<\/a>). Usage\u2011based\/telematics programs can add savings for safe, low\u2011risk driving, but participation and impact vary widely (<a href=\"https:\/\/content.naic.org\">NAIC<\/a>). Direct Auto emphasizes flexible payment options and cash\/in\u2011store payments via its local office network (<a href=\"https:\/\/www.directauto.com\">Direct Auto<\/a>).<\/p>\n\n\n\n<p>You can also purchase roadside assistance and emergency protection plans to add to your policy; confirm terms and state availability with an agent.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"overview\" title=\"Direct Auto Insurance Overview\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Direct Auto Insurance Overview: Financial Strength, Availability and History<\/h2>\n\n\n\n<p>Founded in 1991 and headquartered in Nashville, TN, Direct Auto operates through hundreds of local offices within its 13\u2011state footprint and also supports online account access. Under the National General\/Allstate umbrella, Direct Auto\u2019s underwriting companies are part of National General Group (AM Best <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/ratings.ambest.com\/search?term=National%20General%20Group\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">A (Excellent), Outlook Stable<\/a>), while the parent Allstate Insurance Group carries an <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/ratings.ambest.com\/search?term=Allstate%20Insurance%20Group\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">A+ (Superior) AM Best rating<\/a>. J.D. Power\u2019s latest U.S. Auto Insurance Study reports ongoing price\u2011driven satisfaction pressure and regional score differences; USAA remains not rank\u2011eligible due to membership limits, and GEICO posts above\u2011average results in several regions (<a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">2021 J.D. Power Auto Insurance Study<\/a>; link points to the latest study).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The Competition<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top table--rounded\"><table class=\"\"><tbody><tr><td>&nbsp;<\/td><td>AM Best financial strength rating<\/td><td><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">J.D. Power 2020 Claims Satisfaction Study<\/a><\/td><td>24\/7 claims support<\/td><\/tr><tr><td>Direct Auto Insurance<\/td><td>A (Excellent)<\/td><td>Not ranked (brand not profiled)<\/td><td>Yes<\/td><\/tr><tr><td>USAA<\/td><td>A++ (Superior)<\/td><td>Not rank\u2011eligible (membership limited)<\/td><td>Yes<\/td><\/tr><tr><td>Geico<\/td><td>A++ (Superior)<\/td><td>Ranked (regional results)<\/td><td>Yes<\/td><\/tr><tr><td>State Farm<\/td><td>A++ (Superior)<\/td><td>Ranked (regional results)<\/td><td>Yes<\/td><\/tr><tr><td>Progressive<\/td><td>A+ (Superior)<\/td><td>Ranked (regional results)<\/td><td>Yes<\/td><\/tr><tr><td>Nationwide<\/td><td>A+ (Superior)<\/td><td>Ranked (regional results)<\/td><td>Yes<\/td><\/tr><tr><td>Safeco<\/td><td>A (Excellent)<\/td><td>Ranked (regional results)<\/td><td>Yes<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>All information is accurate as of November 2025<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Direct Auto Insurance vs. USAA<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.reviews.com\/insurance\/car\/usaa-review\/\">USAA<\/a> serves active-duty military, veterans, and eligible family members (membership required). Direct Auto\u2019s niche is non\u2011standard risks and SR\u201122 help with in\u2011person service and flexible billing. USAA emphasizes digital service and offers a telematics program\u2014SafePilot\u2014that can provide up to a 30% discount for safe driving (availability and savings vary by state; <a href=\"https:\/\/www.usaa.com\">USAA SafePilot<\/a>).<\/p>\n\n\n\n<p>USAA\u2019s membership restriction is the primary barrier for non\u2011eligible consumers. If you\u2019re eligible and prefer a telematics\u2011driven discount with a strong mobile experience, USAA may be a fit; if you need walk\u2011in support, cash payments, or SR\u201122 filings, Direct Auto is designed for that use case.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Direct Auto Insurance vs. Geico<\/h3>\n\n\n\n<p><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/geico-review\/\">Geico<\/a> is a national carrier with strong digital tools and generally competitive pricing for many profiles. It offers the DriveEasy telematics program to potentially reduce rates based on measured driving (<a href=\"https:\/\/www.geico.com\">GEICO DriveEasy<\/a>) and a differentiating Mechanical Breakdown Insurance (MBI) option for eligible newer vehicles (<a href=\"https:\/\/www.geico.com\">GEICO MBI<\/a>). Direct Auto emphasizes non\u2011standard underwriting, storefront service, and flexible payments, but does not widely advertise a telematics or MBI\u2011style program across its footprint.<\/p>\n\n\n\n<p>If you prioritize app\u2011based self\u2011service, telematics, or MBI for a newer car, GEICO may be a better fit. If you\u2019re rebuilding your driving record or need SR\u201122\/FR\u201144 filings with the option to pay in person, compare quotes with Direct Auto.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"bottom\" title=\"The BottomLine\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Bottom Line<\/h2>\n\n\n\n<p>Direct Auto Insurance is targeted to higher\u2011risk drivers who value SR\u201122 support, storefront service, and flexible billing. Availability is limited to 13 states and NAIC data indicate complaint levels above the industry baseline; digital tools and optional add\u2011ons like rideshare endorsements, accident forgiveness, telematics, or OEM parts are not broadly advertised\u2014verify needs before purchasing (<a href=\"https:\/\/local.directauto.com\/\">availability<\/a>; <a href=\"https:\/\/www.naic.org\/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&amp;COCODE=23728&amp;REALM=PROD\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">NAIC<\/a>). In a market with elevated premiums, compare multiple quotes and consider telematics programs where offered (<a href=\"https:\/\/content.naic.org\">NAIC<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"faq\" title=\"Direct Auto Insurance FAQ\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Direct Auto Insurance FAQ<\/h2>\n\n\n<div id=\"block_5efe09044cbf4\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What other types of insurance does Direct Auto Insurance offer?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Direct Auto\u2019s portfolio centers on personal auto, with options to add roadside assistance and rental reimbursement. The brand also markets other products (such as term life or renters) in select states through affiliated carriers; availability varies by location and underwriting company\u2014confirm details locally (<\/span><a href=\"https:\/\/www.directauto.com\">About Direct Auto<\/a><span style=\"font-weight: 400;\">).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5efe09304cbf6\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Where is Direct Auto Insurance coverage available?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Direct Auto Insurance <\/span><a href=\"https:\/\/local.directauto.com\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">offers coverage<\/span><\/a><span style=\"font-weight: 400;\"> in Alabama, Arkansas, Florida, Georgia, Illinois, Louisiana, Mississippi, Missouri, North Carolina, South Carolina, Tennessee, Texas, and Virginia.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5efe09484cbf7\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What does Direct Auto Insurance typically cover?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Policies can include liability, collision, comprehensive, medical payments or PIP (state dependent), and uninsured\/underinsured motorist. Optional add\u2011ons commonly available include rental reimbursement and roadside assistance. Direct Auto can also help file SR\u201122\/FR\u201144 in states that require it (<\/span><a href=\"https:\/\/www.directauto.com\">Direct Auto<\/a><span style=\"font-weight: 400;\">; SR\u201122 overview <\/span><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/what-is-sr-22-insurance\/\">here<\/a><span style=\"font-weight: 400;\">). Availability and terms vary by state and insurer.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n\n","protected":false},"excerpt":{"rendered":"<p>Direct Auto Insurance is part of National General (an Allstate company) and focuses on non\u2011standard auto coverage for high-risk drivers. The brand sells policies in a limited 13\u2011state footprint and supports in\u2011person service through a large local store network (About; verify availability by state at Direct Auto locations). Direct Auto offers the core auto coverages [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":349410,"parent":1760,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-reviews.php","meta":[],"categories":[1266],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Direct Auto Insurance | Reviews.com<\/title>\n<meta name=\"description\" content=\"With limited availability and a poor track record of customer service, Direct Auto Insurance is likely not your best bet for quality coverage.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/car\/direct-auto-insurance-review\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" 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