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Last updated: April 13, 2026
Direct Auto Car Insurance Pricing 2026
Direct Auto’s average annual full coverage rate is $3,162, and its average minimum coverage rate is $930.
Editor's Rating:
3.6/5
3.6/5Get quotes from providers in your area
Questions? Call us: 844-966-4864
Direct Auto is a nonstandard insurer that specializes in coverage for high-risk drivers. Like other nonstandard insurers, its average rates are higher than the national average since a large portion of its customer base consists of drivers considered by insurers to be a higher liability.
Direct Auto Car Insurance Rates
Because Direct is a nonstandard insurer, its rates are higher than the U.S. national average of $2,356 for full coverage and $722 for minimum coverage.
However, some customers with clean records and good credit do report finding cheap rates with Direct, so it’s worth getting a quote to verify your rates.
| Category | Average Annual Direct Auto Premium | Average Monthly Direct Auto Premium |
|---|---|---|
| Full coverage | $3,162 | $264 |
| Minimum coverage | $930 | $78 |
FYI:
You may be labeled high-risk for a bad driving record (at-fault accidents, speeding tickets, or DUIs), poor credit, gaps in insurance, or your age.
Car Insurance Discounts With Direct Auto
Direct Auto has discounts you can mix and match, with some offering up to 25 percent off.
Featured Discounts
| Discount type | Discount qualification | Discount savings |
|---|---|---|
| DynamicDrive | If you join the DynamicDrive telematics program and drive safely while using the app | 10% |
| Payment | If you set up automatic payments, pay in full, or go paperless | 9% |
| Multi-product | If you add roadside assistance, term life insurance, or an emergency protection plan to your policy | 5% |
Driver Discounts
| Discount type | Discount qualification | Discount savings |
|---|---|---|
| Military | If you’re an active service member, can provide valid documentation, and live in Alabama, Florida, or Louisiana | 25% |
| Safe driver | If you’ve been accident-free and violation-free for a certain period of time (varies by state) | 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 (or rank in the top 20 percent of the class) | 10% |
| Senior citizen | If you’re 55 or older and complete an eligible accident prevention course | 5% |
| Driver education | If you have completed an accident prevention course in the past 36 months or a driver on your policy and under age 21 has completed a state-approved driver’s ed course | 10% |
Vehicle Discounts
| Discount type | Discount qualification | Discount savings |
|---|---|---|
| Multi-car | If you have more than one vehicle on your policy | 25% |
| Vehicle equipment | If your car is new or equipped with anti-theft safety features | 10% |
Policy Discounts
| Discount type | Discount qualification | Discount savings |
|---|---|---|
| Prior coverage | If you’re switching to Direct Auto and you’ve been with another insurer for at least 6 months | 25% |
| Homeowner | If you or your partner own a home, townhouse, or condo where you keep the car on your policy | 15% |
| Welcome back | If you’re returning to Direct Auto and you’ve been away for more than 6 months | 6% |
| Affinity | If you’re a member of one of Direct Auto’s affinity organizations; call 1-877-463-4732 for a full list | 5% |
| Multi-policy | If you purchase two or more eligible policies from Direct Auto | 10% |
Why We Like Direct Auto Insurance
Physical Locations
Direct Auto operates hundreds of physical storefront locations across the United States, primarily in the Southeast and Midwest. Many of the locations are located near DMVs. The offices are a good option for drivers who prefer in-person support, offering services like policy purchases, payments, and customer assistance.
The company’s brick-and-mortar presence is a key differentiator, especially for high-risk or non-standard drivers who may benefit from more personalized guidance.
Simple Mobile App
Direct Auto offers a mobile app for both iOS and Android. The app is rated 4.4 out of 5 stars on Google Play and 4.8 out of 5 stars on the App Store for iPhone.
You can do the following with the app:
- Make a payment with a credit or debit card
- Access your digital ID card
- View and sign your policy documents
- Reinstate or renew your policy
- File a claim
- Get roadside assistance
- Find a local agent
SR-22 Coverage
An SR-22 certifies you meet minimum insurance requirements and is required by most states when you’ve committed a serious violation, like getting a DUI, getting your license suspended for any reason, or driving without insurance.
You can request that Direct Auto file an SR-22 on your behalf, which costs around $25 but may vary by state. Here’s how:
- In-person: Speak with an agent at one of Direct Auto’s local offices.
- Over the phone: Call 877-463-4732 to speak with a representative.
FYI:
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 in whichever state you reside.
Flexible Payment Options
You can pay for your Direct Auto policy in a variety of ways:
- Online quick pay via credit card or debit card (doesn’t require logging in)
- Making a one-time payment on the MyAccount online portal
- Setting up and using Auto Pay to make recurring payments
- Over the phone at 877-463-4732
- Using the Direct Auto mobile app
- One-time payments with cash at a Direct Auto location
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 with a multi-policy discount when bundling motorcycle and auto insurance.
Direct Auto’s motorcycle coverage options include the following:
- Bodily injury liability
- Property damage liability
- Collision
- Comprehensive
- Guest passenger liability
- Uninsured motorist
- Personal injury protection (PIP)
- Medical payments
- Custom parts and equipment (pays for motorcycle accessories like saddlebags, backrests, and more)
- Motorcycle replacement
- Towing
Where Is Direct Auto Available?
Direct Auto has nearly 500 locations across 15 states:
- Alabama
- Arkansas
- Delaware
- Florida
- Georgia
- Louisiana
- Michigan
- Mississippi
- North Carolina
- Ohio
- Pennsylvania
- South Carolina
- Tennessee
- Texas
- Virginia
You can find the office closest to you by searching your city and state or ZIP code at local.directauto.com.
Cancellation Policy
There are a few ways you can cancel your policy, including:
- Calling customer service at 877-463-4732. If a refund is due, you will receive it within 30 days of your cancellation.
- Emailing customer service with a statement requesting cancellation, and including these details: policy number, your full name, address, birthdate, your desired cancellation date, and the signature of the policyholder.
- Faxing 877-622-7338 with a handwritten statement containing the same details as in an emailed statement (see preceding bullet point), plus the policyholder’s signature.
- Signing a cancellation request at a local office.
If you are looking to reinstate your policy with Direct Auto, you may be eligible if:
- Your are within your state’s reinstatement period
- 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 was acquired by National General in 2016, and later became part of Allstate when Allstate acquired National General in 2021.1 Today, Direct Auto operates under the Allstate umbrella but continues to function independently—maintaining its own brand, pricing, and customer service approach.
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 9 a.m. to 9 p.m. CT, Monday through Friday, and 11 a.m. to 3 p.m. on Saturdays, or fill out the email form at www.directauto.com/emailus 24/7.
- For claims: Call 800-403-1077 at any time 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 mail, 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: www.facebook.com/DirectAutoIns/
- X (formerly Twitter): www.x.com/directautoins
- Twitter: www.twitter.com/directautoins
- Instagram: www.instagram.com/directautoins/
- TikTok: www.tiktok.com/@directautoins
- YouTube: www.youtube.com/user/DirectAutoIns
- LinkedIn: www.linkedin.com/company/direct-auto
NOTE:
Having your policy number, date of birth, name of the primary insured, and the address associated with the account ready can speed up getting your questions answered.
Conclusion
Direct Auto’s full coverage rates are higher than the national average for drivers with clean records, but may be competitive for high-risk drivers. The company has a number of brick-and-mortar locations, a straightforward mobile app, and flexible payment options, making it a contender for nonstandard coverage if you reside in one of the 15 states it operates in. Check out our full Direct Auto review to learn even more about its offerings.
Frequently Asked Questions
You can file a claim with Direct Auto online, via mobile app, or over the phone. To file a claim over the phone call 800-403-1077.
Direct Auto does not offer gap or rideshare insurance as additional coverage options.
Yes, Direct Auto has a grace period for missed payments. The grace period is at least 11 days, and varies by state, during which you can still pay for your policy without losing coverage. You will receive a notice detailing the grace period if your payment is past due, and can contact an agent or customer service to determine how long it is.
Sources
Allstate to Buy National General for $4 Billion, Growing Auto, Independent Agent Business. Insurance Journal. (2020, July 08).
https://www.insurancejournal.com/news/national/2020/07/08/574808.htm
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