Which insurance company is right for you? Compare products, discounts, and quotes from Direct Auto and Pemco.
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.
Pemco was founded in 1949 by Robert J. Handy, a Seattle journalism and math teacher. He had at first envisioned insuring teachers, who were members of the Seattle Teachers Credit Union which he founded in 1939 (it later became the School Employees Credit Union of Washington). He wanted to “create a financial institution with a heart.” Handy was also working for an insurance agency, which enabled him to sell auto insurance to educators who came to the credit union to secure car loans.
Below is a list of the average rates that drivers typically pay with Direct Auto and PEMCO. On average, Direct Auto charges approximately $166.55 per month while PEMCO comes in at around $98.71 per month. For Direct Auto, the cheapest state average is Alabama at $112.68 per month and the most expensive is Florida at $208.32 per month. For PEMCO, the cheapest state average is Washington at $98.55 per month and the most expensive is Washington at $98.55 per month.
Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Direct Auto and PEMCO typically charge for drivers who have more than 1 vehicle.
|Number of Vehicles||Direct Auto||PEMCO|
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Direct Auto charges $156.26 per month and PEMCO charges $97.74 per month for customers who own their home.
Which car insurance company is better? We've made it easy to compare companies side by side. See how Direct Auto and Pemco ranked among the industry ratings.
|A.M. Best Rating||B++|
|JD Power||Among the Best|
|NAIC Complaint Index||6.06|
What coverage is available through Direct Auto and Pemco? Both insurance companies offer Auto, Motorcycle, and RV insurance. Additional products from Pemco insurance also includes Commercial, Condo, Health, Home, Renters, and 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 PEMCO Insurance page.
Direct Auto offers a wide range of discounts to its policyholders, including Good Student, Homeowner, and Mileage discounts. Pemco also offers a few discounts that Direct Auto doesn’t including University of Washington Alumni, Safety/Security Feature, and Paid in Full discounts. Start taking advantage of discounts offered by insurance providers like Pemco and Direct Auto insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.
|Affinity Discount||Accident Forgiveness Benefit|
|Good Student Discount||Advance Purchase Discount (for new business)|
|Homeowner Discount||Auto Plus Home Discount|
|Mileage Discount||Defensive Driver Discount|
|Military Discount||Distant Student Discount|
|Multi-Car Discount||Educator Discount|
|Multi-Product Discount||Good Student Discount|
|Prior Coverage Discount||Homeownership Discount|
|Renewal Discount||Life Insurance (only for members of the teacher’s credit union)|
|Safe Driver Discount||Low Mileage Discount|
|Senior Citizen Discount||Loyal Auto Customer Discount|
|Welcome Back Discount||Minor Ticket Forgiveness Benefit|
|New Vehicle Discount|
|Paid in Full Discount|
|Safety/Security Feature Discount|
|University of Washington Alumni Discount|
The Go PEMCO app connects you to your PEMCO policy no matter where you are. You have access to vehicle insurance ID cards, your policy, and discounts. You can also make changes to your policy, view documents and bills and pay your bill. Local repair shops are listed for you too.
|Direct Auto Mobile App|
|Direct Auto does not currently have a mobile app.|
|Pemco Mobile App|
|iOS||3.6||5 user reviews|
|Android||4.3||68 user reviews|
|Direct Auto Contact Info|
|Address||1128 Murfreesboro Road, Nashville, TN|
|Pemco Contact Info|
|Address||1300 Dexter Avenue N. Seattle, WA 98109-3571|
|Phone||1 (800) 467-3626|
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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