Which insurance carrier is right for you? Compare rates, savings, and quotes from Electric and Direct Auto.
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 the average rates that drivers typically pay with Electric and Direct Auto. On average, Electric charges approximately $236.05 per month while Direct Auto comes in at around $166.55 per month. For Electric, the cheapest state average is Missouri at $187.75 per month and the most expensive is Virginia at $333.10 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.
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|
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Electric charges $211.01 per month and Direct Auto charges $156.26 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 Electric and Direct Auto ranked among the industry ratings.
|A.M. Best Rating||A|
|NAIC Complaint Index||6.06|
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.
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.
|Accident-free Discount||Affinity Discount|
|Driver Training Credit||Good Student Discount|
|Electric and Hybrid Vehicles Discount||Homeowner Discount|
|Employer Group Discounts||Mileage Discount|
|Family & Friends Referral Discount||Military Discount|
|Good Student Discount||Multi-Car Discount|
|Low Annual Mileage Discount||Multi-Product Discount|
|Married Status Discount||Prior Coverage Discount|
|Mature Driver Accident Prevention Course Discount||Renewal Discount|
|Multi-policy Discount||Safe Driver Discount|
|New Auto Insurance Customer Discount||Senior Citizen Discount|
|New Vehicle Discount||Welcome Back Discount|
|Plan Ahead (Early Purchase) Discount|
|Safe Driver Discount|
|Safety Features Discount|
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||1||2 user reviews|
|Android||1.9||34 user reviews|
|Direct Auto Mobile App|
|Direct Auto does not currently have a mobile app.|
|Electric Contact Info|
|Address||75 Sam Fonzo Drive, Beverly, MA 01915|
|Direct Auto Contact Info|
|Address||1128 Murfreesboro Road, Nashville, TN|
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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