Direct Auto vs. Meemic Insurance

Which insurance company is right for you? Compare pros & cons, price, and quotes from Direct Auto and Meemic.

Compare Car Insurance Rates in Your Area

Direct Auto vs. Meemic: What You Need to Know

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.

Direct Auto Company specializes in providing auto insurance for all people, even those considered “high-risk” or who need SR-22 certification. Today, Direct Auto Company has more than 400 retail store locations across the United States and provides consumers a variety of products and services online, in-store and over the phone.

A small group of teachers formed Meemic in 1950. They aimed to provide other teachers and educators with quality protection at affordable rates. For almost 70 years, they’ve been providing auto, home, boat and personal umbrella insurance tailored to the needs of the educational community. A.M. Best has rated Meemic as financially strong, based on the financial strength and claims-paying ability. The Meemic Foundation for the Future of Education was established in 1992 to provide financial assistance to schools, teachers, and educators, in the form of grants. Meemic partners with AAA to offer insurance products to teachers and educators in Illinois, Michigan, Wisconsin, and Georgia.

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

Direct Auto vs. MEEMIC Insurance Company: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with Direct Auto and MEEMIC Insurance Company. On average, Direct Auto charges approximately $224.48 per month while MEEMIC Insurance Company comes in at around $227.96 per month. For Direct Auto, the cheapest state average is North Carolina at $90.10 per month and the most expensive is South Carolina at $337.45 per month. For MEEMIC Insurance Company, the cheapest state average is Michigan at $227.93 per month and the most expensive is Michigan at $227.93 per month.

Direct Auto

Average Rate

$224.48
MEEMIC Insurance Company

Average Rate

$227.96
National

Average Rate

$120.51
State Direct Auto MEEMIC Insurance Company
Alabama $116.64 -
Arkansas $177.45 -
California $332.90 -
Florida $196.36 -
Georgia $229.77 -
Illinois $310.15 -
Michigan- $227.93
North Carolina $90.10 -
Ohio $218.29 -
South Carolina $337.45 -
Tennessee $129.72 -
Texas $154.57 -
Virginia $309.01 -
Washington $293.45 -

Direct Auto vs. MEEMIC Insurance Company: Rates by Number of Vehicle

Home

Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Direct Auto and MEEMIC Insurance Company typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Direct Auto MEEMIC Insurance Company
1 Vehicle $218.68 $215.73
2 Vehicles $303.80 $281.09
3 Vehicles $ $382.54

Direct Auto vs. MEEMIC Insurance Company: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Direct Auto charges $183.21 per month and MEEMIC Insurance Company charges $227.11 per month for customers who own their home.

Own/Rent Direct Auto MEEMIC Insurance Company
Own $183.21 $227.11
Rent $230.13 $228.45

What is Direct Auto and Meemic Insurance Rating?

Which car insurance company is better? We've made it easy to compare companies side by side. See how Direct Auto and Meemic ranked among the industry ratings.

ComparisonDirect AutoMeemic
Year Founded19911950
A.M. Best RatingA-
BBB RatingA+B-
Financial StrengthExcellentExcellent
NAIC Complaint Index6.06

Direct Auto or Meemic: Insurance Products Offered

What coverage is available through Direct Auto and Meemic? Both insurance companies offer Auto, Motorcycle, and RV insurance. Additional products from Meemic insurance also includes Commercial, Condo, Health, Home, Life, Renters, Umbrella insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Direct Auto and MEEMIC Insurance Company Insurance page.

InsuranceDirect AutoMeemic
Auto Insurance
Commercial Insurance
Condo Insurance
Health Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Direct Auto or Meemic: Ways To Save

Meemic offers a wide range of discounts to its policyholders, including Newly Certified Teacher, Paid-in-Full, and The Educated Choice Repair Program discounts. Direct Auto also offers a few discounts that Meemic doesn’t include Welcome Back, Senior Citizen, and Safe Driver discounts. Start taking advantage of discounts offered by insurance providers like Meemic and Direct Auto insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

Direct AutoMeemic
Affinity DiscountMulti-policy Discount
Good Student DiscountNewly Certified Teacher Discount
Homeowner DiscountPaid-in-Full Discount
Mileage DiscountThe Educated Choice Repair Program
Military DiscountVehicle Anti-theft Discount
Multi-Car Discount
Multi-Product Discount
Prior Coverage Discount
Renewal Discount
Safe Driver Discount
Senior Citizen Discount
Welcome Back Discount

Pros & Cons of Direct Auto & Meemic

Pros

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
Meemic
  • Offers discounted rates for teachers.
  • Offers industry-specific coverage.
  • Quality repairs using original manufacturer parts.

Cons

Direct Auto
  • Claims only by phone. There is no option to file a claim online.
Meemic
  • Insurance through Meemic is only offered in four states: Michigan, Illinois, Wisconsin, and Georgia.

Direct Auto or Meemic Mobile Apps Options


Direct Auto Mobile App
Direct Auto does not currently have a mobile app.
Meemic Mobile App
Meemic does not currently have a mobile app.

Direct Auto & Meemic Contact Info

Direct Auto Contact Info
Address1128 Murfreesboro Road, Nashville, TN
Phone1-877-463-4732
Websitehttps://www.directauto.com/
Facebookhttp://www.facebook.com/directautoIns
Twitterhttps://twitter.com/directautoins
Youtubehttps://www.youtube.com/user/DirectAutoIns
Instagramhttps://www.instagram.com/directautoins/

Meemic Contact Info
Address1685 N. Opdyke Rd. Auburn Hills, MI 48326
Phone1-888-463-3642
Websitehttps://www.meemic.com/
Facebookhttps://www.facebook.com/Meemic/
Youtubehttps://www.youtube.com/channel/UCQnTMFg_hBizrzlZc0aQKMw
Twitterhttps://twitter.com/Meemic
Linkedinhttps://www.linkedin.com/company/meemic-insurance-company/

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.

Compare Insurance Rates for Free.

Enter your zip code, answer a few questions, and compare rates in less than 3 minutes.