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Direct Auto Insurance Review: Not The Most Transparent Car Insurance



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Direct Auto Insurance Overview and Key Takeaways

Direct Auto Insurance is part of Direct General Insurance Group but has no affiliation with The General. The primary market for this provider is high-risk drivers denied coverage elsewhere. This company is separate from the Chicago-based Direct Auto Insurance Company which is smaller.

  • Specializes in auto insurance for all high-risk drivers
  • Far more complaints than you would expect for company this size
  • Offers SR-22 forms

3.0 out of 5.0 stars


Direct Auto Insurance scores 3/5 for overall performance based on a factors like pricing, discounts, ease of filing a claim, complaint data and customer satisfaction.

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Direct Auto Insurance: Services

As well as the standard coverage options, you can also expect the following with Direct Auto Insurance:

  • Customizable payments: Decide which day of the month you want to make payment, and decide how you want to make payment, too
  • SR-22 forms: If your state requires you to provide an SR-22 form, this company can help you out

Direct Auto Insurance: Discounts

Discounts available with Direct Auto Insurance include:

  • Homeowner discount
  • Limited mileage discount
  • Military discount
  • Multiple policy discount
  • Multiple vehicle discount
  • Policy renewal discount
  • Safe driver discount
  • Seniors discount
  • Student discount

Direct Auto Insurance: Complaints

For the size of the company,  Direct Auto Insurance generates a high number of complaints, even by the standard of high-risk auto insurance providers.

Here are some BBB Complaints from customers.

BBB Complaint – May 19, 2020 1.0 out of 5.0 stars

I made a claim with my insurance company saying my brother hit a pot hole and messed up his car. He called me to help change the tires after that the car start over heating so we knew the accident caused a problem on 4/27. We called on 4/28 to make the claim. Maria denied the claim and when I asked why she said because they don’t know how long the car was sitting there, and that we should’ve called the police and made a report, and use a tow truck, she always stated that they don’t believe me, an that she lived in Chicago long enough to know a pot hole won’t do that to your car, I ask whats wrong with the car and how much it will cost she said the bumper will cost 2300. I told her that can’t be right. She said the claim is denied and got real nasty with me. I asked to speak to her manager she sent me to Richard and I had to call him three times just to leave two voicemails in order for him to call me back. When he did call me back he was nasty as well, he got on the phone and said the claim is denied and that’s final. He said its funny how the moment we switch to full coverage we get in a accident.

Direct Auto Insurance: What Else?

The website is robust enough for purpose, but there is no mobile app available.

Direct Auto also offers the following insurance:

  • Commercial auto insurance
  • Motorcycle insurance
  • Renters insurance

Direct Auto Insurance: Pros and Cons


  • Can file SR-22 forms on your behalf
  • Offers car and life insurance as bundle
  • Flexible payment options


  • High number of complaints
  • No gap insurance
  • No rideshare insurance

Compare Direct Auto Insurance to Cuintegrator Auto Insurance Providers

Delores is a single mother of a baby girl. She writes news as a part-time journalist for multiple news portals. She is an experienced journalist with a master's degree in Journalism. She covers all insurance verticals for The Cuintegrator.

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