Find Your Perfect Policy: 866-843-5386

Last updated: October 18, 2022

Direct Auto Car Insurance Pricing 2024

Explore annual premiums from this regional carrier

Twitter brand
Facebook brand
Linkedin brand
Reddit brand
Envelop icon

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.

Car Insurance Rates for Direct Auto Insurance Coverage

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.

  • Minimum coverage: You’ll pay $1,776 on average for annual coverage.
  • Full coverage: Your annual rate will rise significantly for full coverage to $4,128.
  • After one speeding ticket: If you have a speeding ticket, you can expect to pay $4,428 per year.
  • After an at-fault accident: If you are at fault in an accident, your premium will rise a few hundred dollars to $4,798 annually.
  • With a clean driving record: Even without any traffic incidents, your annual premium will be higher than the industry average at $2,766.

Discounts 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

Favorite Features

Simple Mobile App

Direct Auto offers a mobile app for both iOS and Android devices. With the mobile app, you can do the following:

  • Make a payment with a credit or debit card
  • Enroll in paperless billing
  • Access your digital ID card
  • View your policy documents
  • File a claim
  • Get roadside assistance
  • Find a local agent

SR-22 Coverage

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:

  • A DUI conviction
  • A suspended driver’s license
  • No insurance coverage
  • Serious traffic violations, such as an at-fault accident

You can add an SR-22 to your Direct Auto policy in two ways:

  • In person: Speak with an agent at one of Direct Auto’s local locations.
  • Over the phone: Call 877-463-4732 to speak with a representative over the phone.


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.

Flexible Payment Options

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:

  • Recurring payments with a credit or debit card, or taken directly from your bank account
  • One-time payments with cash or a credit or debit card at a Direct Auto location
  • Over the phone at 877-463-4732
  • Logging in to an online account
  • Online quick pay via credit card, debit card, or echeck (doesn’t require logging in)
  • Using the Direct Auto mobile app

Motorcycle Insurance

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:

  • Bodily injury liability
  • Guest passenger liability
  • Property damage
  • Collision
  • Comprehensive
  • Medical payments
  • Personal injury protection
  • Uninsured motorist
  • Custom parts and equipment or accessories, such as saddlebags, backrests, levers, CB radios, and chrome pieces (not available in North Carolina)
  • Towing

Where Is Direct Auto Available?

Direct Auto has over 450 locations across 16 states:

  • Alabama
  • Arkansas
  • Delaware
  • Florida
  • Georgia
  • Louisiana
  • Michigan
  • Mississippi
  • North Carolina
  • Ohio
  • Pennsylvania
  • South Carolina
  • Tennessee
  • Texas
  • Virginia
  • Washington

You can find the closest office to you by searching your city and state or ZIP code at

Cancellation Policy

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:

  • Direct General Insurance Agency
  • 1281 Murfreesboro Rd.
  • Nashville, TN 37217

If you are looking to reinstate your policy with Direct Auto, you may be eligible if:

  • It has been less than 30 days since you canceled your policy
  • You didn’t have an accident after canceling your policy
  • You can pay any money you owe by the day you request reinstatement

Company Background

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:

  • Added new coverages like renters insurance and emergency auto protection
  • Expanded from its in-person-only service to include service over the phone and online
  • Offered credits to policyholders during the COVID-19 pandemic

Direct Auto Contact Information

You can reach Direct Auto by phone, online, or in person at one of its local offices.

  • For customer service: Call 877-463-4732 from 8 a.m. to 8 p.m. CT, Monday through Friday, and 10 a.m. to 4 p.m. on Saturdays, or fill out the email form at 24/7.
  • For claims: Call 800-403-1077 24/7, fax 800-924-0273, or send mail to:
    • Direct Auto Insurance Claims Department
    • P.O. Box 1623
    • Winston Salem, NC 27102

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:

  • Facebook:
  • Twitter:
  • Instagram:
  • TikTok:
  • Pinterest:
  • YouTube:
  • LinkedIn:


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.

Frequently Asked Questions

How do I file a claim with Direct Auto?

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:

  1. Open your Direct Auto mobile app or visit Direct Auto’s homepage at
  2. Log in to your account.
  3. Navigate to the “Claims Center” in the drop-down menu.
  4. Fill out a claims report.

To file a claim over the phone:

  1. Call 800-403-1077.
  2. Get in touch with a representative.
  3. Verbally fill out a claims report with a Direct Auto representative.

Which additional optional coverage does Direct Auto not offer?

Direct Auto does not offer gap or rideshare insurance as additional coverage options.

Does Direct Auto have a grace period?

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.


  1. Car Insurance Discounts. (2022). Direct Auto Insurance.