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Hastings Mutual vs. Direct Auto Insurance
Which insurance provider is right for you? Compare pros & cons, cost, and quotes from Hastings Mutual and Direct Auto.
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Hastings Mutual vs. Direct Auto: What You Need to Know
Hastings Mutual Company was founded in 1885 as Michigan Mutual Tornado, Cyclone and Windstorm Insurance Company to help protect local residents against the tornados that had destroyed small communities of Hastings and other parts of Michigan. The company continued to grow over the years and expanded its business.
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 Hastings Mutual Insurance Co Overview and Direct Auto Overview.
Hastings Mutual Insurance Co vs. Direct Auto: How much are the Average Rates?
Below is a list of the average rates that drivers typically pay with Hastings Mutual Insurance Co and Direct Auto. On average, Hastings Mutual Insurance Co charges approximately $158.69 per month while Direct Auto comes in at around $99.78 per month. For Hastings Mutual Insurance Co, the cheapest state average is Illinois at $136.54 per month and the most expensive is Michigan at $160.62 per month. For Direct Auto, the cheapest state average is Texas at $70.21 per month and the most expensive is California at $72.75 per month.
Average Rate
Average Rate
Average Rate
| State | Hastings Mutual Insurance Co | Direct Auto |
|---|---|---|
| California | - | $72.75 |
| Illinois | $136.54 | - |
| Michigan | $160.62 | - |
| Texas | - | $70.21 |
Hastings Mutual Insurance Co vs. Direct Auto: Rates by Number of Vehicle
Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Hastings Mutual Insurance Co and Direct Auto typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | Hastings Mutual Insurance Co | Direct Auto |
|---|---|---|
| 1 Vehicle | $156.40 | $98.26 |
| 2 Vehicles | $190.55 | $ |
Hastings Mutual Insurance Co vs. Direct Auto: Rates by Homeownership
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Hastings Mutual Insurance Co charges $147.91 per month and Direct Auto charges $ per month for customers who own their home.
| Own/Rent | Hastings Mutual Insurance Co | Direct Auto |
|---|---|---|
| Own | $147.91 | $ |
| Rent | $161.62 | $102.21 |
What is Hastings Mutual and Direct Auto Insurance Rating?
Which car insurance company is better? We've made it easy to compare companies side by side. See how Hastings Mutual and Direct Auto ranked among the industry ratings.
| Comparison | Hastings Mutual | Direct Auto |
|---|---|---|
| Year Founded | 1885 | 1991 |
| Market Share | 0.2% (2018) | |
| A.M. Best Rating | A | |
| BBB Rating | A+ | A+ |
| Financial Strength | Excellent | Excellent |
| JD Power Ranking | Above Average | |
| NAIC Complaint Index | 6.06 |
Hastings Mutual or Direct Auto: Insurance Products Offered
What coverage is available through Hastings Mutual and Direct Auto? Both insurance companies offer Auto, Commercial, and RV insurance. Additional products from Hastings Mutual insurance also includes Condo, Farm, Home, and Renters insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Hastings Mutual Insurance Co and Direct Auto Insurance page.
| Insurance | Hastings Mutual | Direct Auto |
|---|---|---|
| Auto Insurance | ✔ | ✔ |
| Commercial Insurance | ✔ | ✔ |
| Condo Insurance | ✔ | |
| Farm Insurance | ✔ | |
| Health Insurance | ✔ | |
| Home Insurance | ✔ | |
| Motorcycle Insurance | ✔ | |
| Renters Insurance | ✔ | |
| RV Insurance | ✔ | ✔ |
Hastings Mutual or Direct Auto: Ways To Save
Hastings Mutual offers a wide range of discounts to its policyholders, including Claim Free, Defensive Driving, and Good Student discounts. In contrast, Direct Auto also offers a few discounts that Hastings Mutual doesn’t, including Welcome Back, Senior Citizen, and Safe Driver discounts. Start taking advantage of discounts offered by insurance providers like Direct Auto and Hastings Mutual insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.
| Hastings Mutual | Direct Auto |
|---|---|
| Away at School Discount | Affinity Discount |
| Claim Free Discount | Good Student Discount |
| Defensive Driving Discount | Homeowner Discount |
| Good Student Discount | Mileage Discount |
| Multi-car Discount | Military Discount |
| Multi-policy Discount | Multi-Car Discount |
| Paid in Full Discount | Multi-Product Discount |
| Paperless Bills Discount | Prior Coverage Discount |
| Renewal Discount | |
| Safe Driver Discount | |
| Senior Citizen Discount | |
| Welcome Back Discount |
Pros & Cons of Hastings Mutual & Direct Auto
Pros
Hastings Mutual
- Hastings Mutual Company focuses on providing A+ customer service and promoting strong relationships with its customers.
- Established history: the company has 130 years of service and has built a good reputation among its customers.
- It has affordable rates.
- Offers Multi-Policy discounts.
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
Hastings Mutual
- Limited service: coverage is available in only 6 midwestern states across the US.
- It doesn’t offer an online application, you need to call an agent for a quote.
Direct Auto
- Claims only by phone. There is no option to file a claim online.
Hastings Mutual or Direct Auto Mobile Apps Options
| Hastings Mutual Mobile App | ||
|---|---|---|
| Hastings Mutual does not currently have a mobile app. | ||
| Direct Auto Mobile App | ||
|---|---|---|
| Direct Auto does not currently have a mobile app. | ||
Hastings Mutual & Direct Auto Contact Info
| Hastings Mutual Contact Info | |
|---|---|
| Address | 404 E. Woodlawn Ave. Hastings, MI 49058 |
| Phone | 1-800-442-8277 |
| Website | https://www.hastingsmutual.com/ |
| https://www.facebook.com/HastingsMutual/ | |
| https://www.linkedin.com/company/hastings-mutual-insurance-company/ | |
| Direct Auto Contact Info | |
|---|---|
| Address | 1128 Murfreesboro Road, Nashville, TN |
| Phone | 1-877-463-4732 |
| Website | https://www.directauto.com/ |
| http://www.facebook.com/directautoIns | |
| https://twitter.com/directautoins | |
| Youtube | https://www.youtube.com/user/DirectAutoIns |
| https://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.
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
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