Electric vs. Direct Auto Insurance

Which insurance carrier is right for you? Compare rates, savings, and quotes from Electric and Direct Auto.

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Electric vs. Direct Auto: What You Need to Know

The history of Electric Insurance Company began in 1927, when EMLICO, its former company was established to provide GE (General Electric Company) with Workers’ Compensation insurance in Massachusetts. The company was doing so well that it started providing coverage nationally for GE and also included general liability and commercial auto in its product portfolio. By 1966, Electric Insurance Company was formed to ensure GE employees, but after a while, it expanded its business to all consumers. During the 1990s the company becomes one of the first P&C carriers to offer consumers web-based insurance quotes. Today, Electric Insurance manages approximately $160 million in personal lines premiums for nearly 135,000 policyholders and has about $450 million in total written premium. Its services are offered in all 50 states directly via mobile applications and the web and through independent agencies. Its consumer base is 60% of GE employees and 40% general customers.

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 Electric Overview and Direct Auto Overview.

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

Below is a list of the average rates that drivers typically pay with Electric and Direct Auto. On average, Electric charges approximately $246.58 per month while Direct Auto comes in at around $255.97 per month. For Electric, the cheapest state average is Missouri at $195.05 per month and the most expensive is Virginia at $350.30 per month. For Direct Auto, the cheapest state average is North Carolina at $104.30 per month and the most expensive is South Carolina at $420.08 per month.

Electric

Average Rate

$246.58
Direct Auto

Average Rate

$255.97
National

Average Rate

$120.03
State Electric Direct Auto
Alabama- $120.73
Arkansas- $189.97
California- $361.12
Connecticut $196.83 -
Florida- $196.59
Georgia- $242.52
Illinois- $379.02
Kansas $228.40 -
Kentucky $229.03 -
Maine $209.55 -
Missouri $195.05 -
North Carolina- $104.30
Ohio- $238.67
South Carolina- $420.08
Tennessee- $146.57
Texas- $180.83
Virginia $350.30 $387.80
Washington- $354.52

Electric vs. Direct Auto: 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 Electric and Direct Auto typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Electric Direct Auto
1 Vehicle $233.10 $248.47
2 Vehicles $297.56 $365.19

Electric vs. Direct Auto: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Electric charges $218.53 per month and Direct Auto charges $204.56 per month for customers who own their home.

Own/Rent Electric Direct Auto
Own $218.53 $204.56
Rent $259.12 $263.01

What is Electric and Direct Auto Insurance Rating?

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

ComparisonElectricDirect Auto
Year Founded19661991
A.M. Best RatingA
BBB RatingA+A+
Financial StrengthExcellentExcellent
NAIC Complaint Index6.06

Electric or Direct Auto: Insurance Products Offered

What coverage is available through Electric and Direct Auto? Both insurance companies offer Auto, Motorcycle, and RV Insurance. Additional products from Electric insurance also includes Condo, 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 Electric and Direct Auto Insurance page.

InsuranceElectricDirect Auto
Auto Insurance
Commercial Insurance
Condo Insurance
Health Insurance
Home Insurance
Motorcycle Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Electric or Direct Auto: Ways To Save

Direct Auto offers a wide range of discounts to its policyholders, including Good Student, Homeowner, and Mileage discounts. In contrast, Electric also offers a few discounts that Direct Auto doesn’t including Student-Away-from-Home, Safety Features, and Plan Ahead (Early Purchase) discounts. Start taking advantage of discounts offered by insurance providers like Direct Auto and Electric insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

ElectricDirect Auto
Accident-free DiscountAffinity Discount
Driver Training CreditGood Student Discount
Electric and Hybrid Vehicles DiscountHomeowner Discount
Employer Group DiscountsMileage Discount
Family & Friends Referral DiscountMilitary Discount
Good Student DiscountMulti-Car Discount
Low Annual Mileage DiscountMulti-Product Discount
Married Status DiscountPrior Coverage Discount
Mature Driver Accident Prevention Course DiscountRenewal Discount
Multi-policy DiscountSafe Driver Discount
New Auto Insurance Customer DiscountSenior Citizen Discount
New Vehicle DiscountWelcome Back Discount
Passive Restraints
Payment-in-full Discount
Plan Ahead (Early Purchase) Discount
Safe Driver Discount
Safety Features Discount
Student-Away-from-Home Discount

Pros & Cons of Electric & Direct Auto

Pros

Electric
  • Long list of discounts
  • Additional dedicated discount for General Electric employees
  • Provides the convenience of starting a claim online
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

Electric
  • Confusing website information: the company lists the products, benefits and discounts offered in different web pages making it difficult to get a full scope on what is offered.
Direct Auto
  • Claims only by phone. There is no option to file a claim online.

Electric or Direct Auto Mobile Apps Options

The Always On Mobile app is available for iOS and Android. This mobile app can help you to view your auto insurance information, report an auto claim, upload photos of the vehicle damage, access 24 hours / 7 days a week emergency roadside assistance services, schedule glass repair and much more.

Electric Mobile App
iOS     12 user reviews
Android     1.934 user reviews
Direct Auto Mobile App
Direct Auto does not currently have a mobile app.

Electric & Direct Auto Contact Info

Electric Contact Info
Address75 Sam Fonzo Drive, Beverly, MA 01915
Phone1-800-342-5342
Websitehttps://eic.electricinsurance.com/
Facebookhttps://www.facebook.com/ElectricInsuranceCompany/
Twitterhttps://twitter.com/ElectricInsCo
Youtubehttps://www.youtube.com/channel/UC2YooRh-4qPtDgZvFHdFMIw
Linkedinhttps://www.linkedin.com/company/electricinsurancecompany/
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/


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.

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