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Explore annual premiums from this regional carrier
If you are a high-risk driver and are having trouble finding coverage that won’t break the bank, Direct Auto offers reasonable rates and plenty of discounts regardless of your driving record. On this page, you can explore average premiums and our favorite features from Direct Auto to see if this company suits your insurance needs.
The average annual cost for auto insurance with Direct Auto is $2,497. Direct Auto’s rates run slightly higher than average because it is a nonstandard insurance company. Because nonstandard insurers offer coverage to drivers who are at high risk, these companies charge more than standard rates. You may be labeled high risk because of a bad driving record, poor credit history, gaps in insurance, or your age. The price you pay for auto insurance will depend on your driver’s profile. Depending on your accident history and driving experience, you could pay as little as $1,200 and as much as $4,798 annually with Direct Auto.
To allow drivers to mix and match discounts, Direct Auto lets you combine offers for up to 25% off your annual premium.
Discount type | Discount qualification | Discount savings |
---|---|---|
Military | If you’re an active service member and can provide valid documentation | 25% |
Safe driver | If you’ve been accident-free for 36 months | 10% |
Good student | If you’re unmarried and a full-time student in high school, college, or vocational or technical school, and have a “B” average or better | 10% |
Senior citizen | If you’re 55 or older and complete a motor vehicle accident prevention course | 5% |
DynamicDrive | If you join the DynamicDrive program and maintain good driving behavior while using the Routley app | 10% |
Driver education | If you have completed an accident prevention course or a driver on your policy under the age of 21 has completed a state-approved driver education course | 10% |
Multi-car | If you have more than one vehicle on your policy | 25% |
Vehicle Equipment | If your vehicle is new or equipped with anti-theft safety features | 10% |
Multi-product | If you add roadside assistance, term life insurance or an emergency protection plan to your policy | 5% |
Prior coverage | If you’ve been with another insurer for at least 6 months prior to switching to Direct Auto | 25% |
Homeowner | If you or your partner own a home, townhome, or condominium where you keep your car | 15% |
Renewal | If you’ve had no lapse in coverage for the past 12 months and you renew within 7 to 10 days of your policy’s expiration date | 20% |
Welcome back | If you’ve had a policy with Direct Auto, but not within the last 6 months | 6% |
Affinity | If you’re a member of one of Direct Auto’s partner organizations; call 1-877-463-4732 for a full list of affinity partners | 5% |
Payment | If you set up automatic payments, pay in full, or go paperless | 9% |
Multi-policy | If you purchase two or more policies from Direct Auto | 10%1 |
Direct Auto offers a mobile app for both iOS and Android devices. With the mobile app, you can do the following:
SR-22 coverage is a form of certification that insurance companies provide to the state to verify you meet minimum insurance requirements. The price you pay for an SR-22 is relatively inexpensive, around $30, but will vary by state.
You may be required to get an SR-22 if you have one of the following:
You can add an SR-22 to your Direct Auto policy in two ways:
If you already have an SR-22 filed but are moving to a new state, the SR-22 requirement usually follows you. Fees and additional requirements may vary by state, so maintain your SR-22 with whichever state you are a resident of.
Direct Auto lets you choose your preferred payment method by offering an array of payment options.
Direct Auto’s convenient payment options include the following:
If you’re looking to insure your bike, Direct Auto has cheap motorcycle coverage to protect you and your passenger while on the road. You can save extra when coupling your motorcycle and auto insurance.
Direct Auto’s motorcycle coverage options include the following:
Direct Auto has over 450 locations across 16 states:
You can find the closest office to you by searching your city and state or ZIP code at local.directauto.com.
The easiest way to cancel your Direct Auto policy is by calling its customer service line at 877-463-4732. If a refund is due, you will receive it within 30 days of your cancellation.
You can also request to cancel your policy via mail. You can find the best mailing address on your insurance policy or premium bill. If you can’t find this address, you can use Direct Auto’s general mailing address:
If you are looking to reinstate your policy with Direct Auto, you may be eligible if:
In 1991, Direct Auto was founded as a nonstandard automobile insurance company. The company is currently headquartered in Nashville, Tennessee.
In three decades since it was founded, this company has:
You can reach Direct Auto by phone, online, or in person at one of its local offices.
If you want to reach a claims office by fax or mail, you need to include your name, policy number, and claim number in your letter.
If you are looking to get in touch over social media, you can find Direct Auto by visiting:
Having your policy number, date of birth, name of the primary insured, and the address associated with the account ready can speed up the process of getting your questions answered.
While its average rates run higher than most, Direct Auto provides a simple mobile app and flexible payment options for high-risk drivers. This small, regional insurer is a contender for nonstandard coverage if you reside in one of the 16 states it operates in. To learn even more about what this company has to offer, you can check out our full Direct Auto review.
You can file a claim with Direct Auto online, via mobile app, or over the phone.
To file a claim online or via mobile app:
To file a claim over the phone:
Direct Auto does not offer gap or rideshare insurance as additional coverage options.
Yes, Direct Auto has a grace period. The grace period is at least 11 days, but it can vary by state. If your payment is past due, you will receive a notice detailing the specific grace period. You can also contact a local agent or customer service to figure out how long your grace period is.
Car Insurance Discounts. (2022). Direct Auto Insurance.
https://www.directauto.com/why-direct/get-discounts