Direct Auto vs. Pemco Insurance

Which insurance company is right for you? Compare products, discounts, and quotes from Direct Auto and Pemco.

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Direct Auto vs. Pemco: 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.

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 average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit Direct Auto Overview and PEMCO Overview.

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

Below is a list of the average rates that drivers typically pay with Direct Auto and PEMCO. On average, Direct Auto charges approximately $89.64 per month while PEMCO comes in at around $89.52 per month. For Direct Auto, the cheapest state average is Texas at $74.20 per month and the most expensive is California at $91.34 per month. For PEMCO, the cheapest state average is Washington at $89.52 per month and the most expensive is Washington at $89.52 per month.

Direct Auto

Average Rate


Average Rate


Average Rate

State Direct Auto PEMCO
California $91.34 -
Illinois $77.14 -
Texas $74.20 -
Washington- $89.52

Direct Auto vs. PEMCO: Rates by Number of Vehicle


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
1 Vehicle $89.86 $86.75

Direct Auto vs. PEMCO: Rates by Homeownership

Rates Are Not Currently Available

What is Direct Auto and Pemco Insurance Rating?

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.

ComparisonDirect AutoPemco
Year Founded19911949
Market Share3.8%
BBB RatingA+A+
Financial StrengthExcellentExcellent
JD PowerAmong the Best
NAIC Complaint Index6.06

Direct Auto or Pemco: Insurance Products Offered

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.

InsuranceDirect AutoPemco
Auto Insurance
Commercial Insurance
Condo Insurance
Health Insurance
Home Insurance
Motorcycle Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Direct Auto or Pemco: Ways To Save

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.

Direct AutoPemco
Affinity DiscountAccident Forgiveness Benefit
Good Student DiscountAdvance Purchase Discount (for new business)
Homeowner DiscountAuto Plus Home Discount
Mileage DiscountDefensive Driver Discount
Military DiscountDistant Student Discount
Multi-Car DiscountEducator Discount
Multi-Product DiscountGood Student Discount
Prior Coverage DiscountHomeownership Discount
Renewal DiscountLife Insurance (only for members of the teacher’s credit union)
Safe Driver DiscountLow Mileage Discount
Senior Citizen DiscountLoyal Auto Customer Discount
Welcome Back DiscountMinor Ticket Forgiveness Benefit
New Vehicle Discount
Paid in Full Discount
Safety/Security Feature Discount
University of Washington Alumni Discount

Pros & Cons of Direct Auto & Pemco


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
  • PEMCO was ranked amongst the best by JD Power.
  • Positive reviews from customers


Direct Auto
  • Claims only by phone. There is no option to file a claim online.

Direct Auto or Pemco Mobile Apps Options

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     3.65 user reviews
Android     4.368 user reviews

Direct Auto & Pemco Contact Info

Direct Auto Contact Info
Address1128 Murfreesboro Road, Nashville, TN

Pemco Contact Info
Address1300 Dexter Avenue N. Seattle, WA 98109-3571
Phone1 (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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