AAA vs. Direct Auto Insurance

Which insurance provider is right for you? Compare savings, insights, and quotes from AAA and Direct Auto.

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AAA vs. Direct Auto: What You Need to Know

On March 4, 1902, nine automobile clubs formed the American Automobile Association. Since then, AAA has been a pioneer in the future of transportation in its fight for better roads. In 1915, AAA was the first to introduce a service for roadside service, which is one of the most valued components of an AAA membership because of its network of 13,000 facilities. Members can call or use the AAA Roadside or CAA Roadside app for android or iPhone to get help.

In 1991, William Adair had the vision of creating a premier, non-standard automobile insurance company that served customers better than any other insurer. He founded Direct Auto Company, the first company owned by Direct General Insurance Group, headquartered in Nashville, Tennessee. The business has since expanded, but the beliefs remain true to Adair’s original vision.

Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit the Auto Club Overview and Direct Auto Overview.

Auto Club Group vs. Direct Auto: How much are the Average Rates?

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Auto Club Group vs. Direct Auto: Rates by Number of Vehicle

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Auto Club Group vs. Direct Auto: Rates by Homeownership

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What Are AAA and Direct Auto Insurance's Ratings?

Auto Club and Direct Auto are both competitive in the car insurance space. Both insurance carriers have received affirmation of their Excellent financial strength. Also, both have A+ ratings from Better Business Bureau® (BBB) for addressing customer concerns in a timely, satisfactory manner. Start by comparing insurance companies before switching to a new one and get the savings you deserve.

ComparisonAAADirect Auto
Year Founded19021991
BBB RatingA+A+
Financial StrengthExcellentExcellent
NAIC Complaint Index6.06%
NAIC Complaint Ratio0.53
S&P RatingA+

AAA or Direct Auto: Insurance Products Offered

AAA and Direct Auto insurance have comprehensive coverage for your car, home, life, and more. The two insurance companies offer Mexico Car Insurance with reasonable premiums and standard or extended coverage options like medical expenses, theft protection, road assistance, and more. Find the right insurance policy that will cover your most valuable items. 

InsuranceAAADirect Auto
Accident Medical Expenses
Auto Insurance
Boat & Watercraft
Collector Car Insurance
Commercial Auto Insurance
Emergency Protection
Health Insurance Marketplace
Home Insurance
Individual Term Life Insurance
Life Insurance
Mexico Auto Insurance
Motorcycle Insurance
Personal Umbrella
Renters Insurance
Roadside Insurance
Small Business
Travel Insurance

AAA or Direct Auto: Ways to Save

Auto Club and Direct Auto offer a variety of discounts to help drivers reduce the cost of their insurance premiums. One notable discount from AAA and Direct Auto is the Multi-Vehicle Discounts that save policyholders up to 25% on select coverage when insuring two or more vehicles. Get free insurance quotes today and see what other discounts you may qualify for.

AAADirect Auto
Good Driver DiscountAffinity Discount
Good Student DiscountGood Student Discount
Loyalty DiscountHomeowner Discount
Multi-policy DiscountMileage Discount
Multi-vehicle DiscountMilitary Discount
Verified Mileage DiscountMulti-Car Discount
Multi-Product Discount
Prior Coverage Discount
Renewal Discount
Safe Driver Discount
Senior Citizen Discount
Welcome Back Discount

Pros & Cons of AAA & Direct Auto


  • With a membership with AAA means discounts and services like identity theft.
  • Membership can be valuable for frequent travelers.
Direct Auto
  • Flexible billing options and customizable insurance payments
  • Affordable rates regardless of consumers driving history
  • Offers SR-22 filing for drivers
  • Offers a variety of discounts


  • The annual fee for membership.
  • Membership required to buy car insurance.
Direct Auto
  • Claims only by phone. There is no option to file a claim online.

AAA or Direct Auto Mobile Apps Options

The Auto Club App allows users to access Auto Club services, including membership, insurance, travel, and roadside assistance. It also shows members the Cheapest Gas and Branch Offices.

AAA Mobile App
iOS     4.66.4K user reviews
Android     4.34,061 user reviews
Direct Auto Mobile App
Direct Auto does not currently have a mobile app.

AAA & Direct Auto Contact Info

AAA Contact Info
Address1225 Freeport Pkwy, Coppell, TX 75019, US
Direct Auto Contact Info
Address1128 Murfreesboro Road, Nashville, TN

The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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