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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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- Auto Club Group vs Direct Auto
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?
Below is a list of the average rates that drivers typically pay with Auto Club Group and Direct Auto. On average, Auto Club Group charges approximately $242.13 per month while Direct Auto comes in at around $113.60 per month. For Auto Club Group, the cheapest state average is Wisconsin at $172.30 per month and the most expensive is Nebraska at $315.52 per month. For Direct Auto, the cheapest state average is Tennessee at $44.34 per month and the most expensive is Georgia at $180.89 per month.
Average Rate
Average Rate
Average Rate
| State | Auto Club Group | Direct Auto |
|---|---|---|
| Arkansas | - | $82.86 |
| California | - | $88.42 |
| Florida | - | $177.80 |
| Georgia | - | $180.89 |
| Illinois | $226.64 | $66.22 |
| Louisiana | - | $155.39 |
| Michigan | $311.58 | - |
| Minnesota | $298.26 | - |
| Mississippi | - | $70.97 |
| Nebraska | $315.52 | - |
| North Carolina | - | $49.80 |
| Tennessee | - | $44.34 |
| Texas | - | $87.45 |
| Virginia | - | $96.88 |
| Wisconsin | $172.30 | - |
Auto Club Group vs. Direct Auto: Rates by Number of Vehicle
Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Auto Club Group and Direct Auto typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | Auto Club Group | Direct Auto |
|---|---|---|
| 1 Vehicle | $235.28 | $109.74 |
| 2 Vehicles | $310.84 | $170.28 |
Auto Club Group vs. Direct Auto: Rates by Homeownership
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Auto Club Group charges $255.33 per month and Direct Auto charges $117.75 per month for customers who own their home.
| Own/Rent | Auto Club Group | Direct Auto |
|---|---|---|
| Own | $255.33 | $117.75 |
| Rent | $239.41 | $112.77 |
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.
| Comparison | AAA | Direct Auto |
|---|---|---|
| Year Founded | 1902 | 1991 |
| BBB Rating | A+ | A+ |
| Financial Strength | Excellent | Excellent |
| NAIC Complaint Index | 6.06% | |
| NAIC Complaint Ratio | 0.53 | |
| S&P Rating | A+ |
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.
| Insurance | AAA | Direct 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.
| AAA | Direct Auto |
|---|---|
| Good Driver Discount | Affinity Discount |
| Good Student Discount | Good Student Discount |
| Loyalty Discount | Homeowner Discount |
| Multi-policy Discount | Mileage Discount |
| Multi-vehicle Discount | Military Discount |
| Verified Mileage Discount | Multi-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
Pros
AAA
- 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
Cons
AAA
- 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 | 4.6 | 6.4K user reviews |
| Android | 4.3 | 4,061 user reviews |
| Direct Auto Mobile App | ||
|---|---|---|
| Direct Auto does not currently have a mobile app. | ||
AAA & Direct Auto Contact Info
| AAA Contact Info | |
|---|---|
| Address | 1225 Freeport Pkwy, Coppell, TX 75019, US |
| Phone | 1-877-387-8378 |
| Website | https://www.aaa.com/ |
| https://www.facebook.com/AAAFanPage/ | |
| Youtube | https://www.youtube.com/user/AAA |
| https://twitter.com/AAA4lyfe | |
| https://www.linkedin.com/company/aaa/ | |
| Direct Auto Contact Info | |
|---|---|
| Address | 1128 Murfreesboro Road, Nashville, TN |
| Phone | 1-877-463-4732 |
| Website | https://www.directauto.com/ |
| http://www.facebook.com/directautoIns | |
| https://twitter.com/directautoins | |
| Youtube | https://www.youtube.com/user/DirectAutoIns |
| https://www.instagram.com/directautoins/ | |
Methodology
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.
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
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