Direct Auto Insurance Reviews 2026
Is It the Right Choice for You?
Overview
- No of reviews: Yelp (182), Clearsurance (262), BBB (276), Trustpilot (4) Total (725)
- Ratings: Clearsurance (3.85), BBB (1.7), Trsutpilot (3), Avg Rating (2.8 out of 5)
- Phone no: +1 855-867-9740
- Address: Chicago, IL 60631-3512
Direct Auto Insurance Company provides coverage for high-risk drivers or those who can’t find standard car insurance. It can be your go-to insurer if you have a poor driving record, a bad credit score, or a lapse in insurance coverage.
Pros And Cons
Pros
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Provides coverage to individuals who otherwise won't be able to get insurance. -
Has flexible payment options
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Offers both car insurance and life insurance
Cons
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Has an above-average number of complaints -
Doesn't offer optional coverage such as new car replacement, gap insurance, or diminishing deductibles
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Only operates in 18 states
| Discount | Discount Percentage |
|---|---|
| Safe driver discount | Up to 10% if you remain accident-free for at least three years |
| Senior citizen discount | Up to 5% if you complete an accident prevention course at 55 years or older |
| Homeowner discount | Up to 15% if your insured vehicle is stored in the house you own |
| Good student discount | Up to 10% if you have at least a B average in high school, college or vocational school |
| Multi-car discount | Up to 25% if you cover multiple vehicles |
| Driver education discount | Up to 10% if you are under 21 and have completed an accident prevention course or a state-approved driver ed course |
| Multi-policy discount | Up to 10% if you have multiple policies with Direct Auto |
| Payment discount | Up to 9% for setting up automatic payments, paying a policy in full or paperless billing |
| Military discount | Up to 25% if you are an active service member |
| Military discount | Up to 6% if you come back to Direct Auto within six months of switching to another company |
| Affinity discount | Up to 9% if you are a member of any organization that has partnered with Direct Auto |
Sample of Customer Reviews
3.3
Reviews
I would not recommend this insurance company. I am currently in the process of changing from Direct Auto. You are ‘required’ to accept their roadside assistance when you sign up at about $11 a month. You only have 30 days to cancel that or you are stuck with it, however when you pay $100 for a wrecker service to unlock your car, they only send you a $50 reimbursement. They charge twice as much as AAA Texas for roadside assistance. After paying $264 for roadside assistance (that I had never used previously). They sent me a $50 reimbursement for a $100 charge. So, their ‘roadside assistance’ has cost me $314.
This is why I’m changing insurance.
I have always been treated with great respect and courtesy when I have visited the office, and they have the best rates around.
Bad experience with this car insurance company. I own the vehicle, and my husband had an accident with someone that is insured with them. After about two and a half to three weeks, finally got a claim number and the adjuster’s name, this man never answered his phone or returned my calls, so I started calling his supervisor, he finally returned my calls after two weeks, and called me back maybe two times after that.
Frequently Asked Questions
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How do you get direct car insurance quotes?
You can get a quote from direct auto insurance by phone at 1-877-GO-DIRECT, online, or by visiting their store.
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How do I find direct auto insurance near me?
You can find a direct auto insurance location near you by visiting the company’s directory at https://local.directauto.com.
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Does Direct Auto offer accident forgiveness?
Yes, you can get accident forgiveness with Direct Auto if you qualify.
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