Published: July 25, 2018Last updated: July 13, 2022

Direct General Review

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William Adair founded Direct Insurance Company, the first insurance company in the Direct General Group, in 1991. Since then we have expanded our operations to 11 states in the Southeastern region of the United States through over 400 offices.

Now known as Direct Auto & Life Insurance, we offer auto, life, and property insurance. We specialize in providing non-standard insurance to customers, focusing on low rates, flexible payment plans, and excellent service.

Financial Strength

Companies under the Direct General Group are wholly owned by National General Holdings Corp subsidiaries. National General, with its headquarters in New York City, is a specialty personal insurance holding firm that traces its roots to 1939. It has a financial strength rating of A- (excellent) from A.M. Best.

Customer Service

Direct Auto & Life Insurance provides coverage for almost all drivers. We will cover you even if you have an SR22, bad credit, or a poor driving record. Although we specialize in non-standard insurance, you can customize your package by adding comprehensive and collision, medical payments, roadside assistance and emergency protection.

Our auto insurance offerings include liability insurance, comprehensive and collision, medical payments, personal injury protection (PIP), uninsured motorist coverage (UM coverage), rental reimbursement, towing coverage, and accidental death coverage.

We offer low down payments and monthly payments. We also let you choose your payment date and how you wish to pay it. You can pay by text, online, in person, over the phone, or through one of our other payment options. You don’t need a checking account or credit card.

Our staff work based on four Es–they are engaged, energized, empowered, and execute every day. Our primary aim is to make our customers happy. We are passionate about getting you a competitive quote and ensuring you are aware of all our products and services.

Claims Handling

If you wish to report a new accident or check the status of a current claim, you can call Direct at 1-800-403-1077. Our representatives are available 24/7 to attend to your calls.

When you call, we will collect some particulars from you and give you a unique claim number, which you can use to communicate with us regarding your claim. We’ll also assign you a claims adjuster, who will discuss the details of your claim with you.

You may need to scan, email, or fax some documents to your claims adjuster. If you are not able to do so from home, you can go to your local Direct Auto Insurance office. Our agents will guide you through the claims process and forward the documents to your claims adjuster.


We offer multiple driver, vehicle and policy discounts. For example, we provide discounts for good students and active members of the US armed forces. We have multi-car, multi-product, and mileage discounts.

We offer prior coverage discount for those who have six months of insurance with another company and no lapses in insurance over three months. Similarly, we offer a welcome back discount for those who return to us after at least six months with another company.

We also provide an affinity discount for members of certain organizations that partner with us.

Special Benefits and Features

  • Direct Auto & Life Insurance is available online in Spanish.
  • We also have bilingual agents who can converse with you in Spanish or English to help manage your insurance.
  • We provide Mexico car insurance through our associates in Mexico.
  • We also partner with NetSpend to provide a prepaid MasterCard.


The members of Direct General Group, Nashville, TN underwrites or administers insurance only states where we are licensed to do business.

Website and Contact Information or 1-877-GO-DIRECT (1-877-463-4732)

Policies, discounts, and payment plans may not be the same in all states. Costs, rates and savings, if any, also may vary.