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 $143.44 per month while Direct Auto comes in at around $166.55 per month. For Hastings Mutual Insurance Co, the cheapest state average is Ohio at $101.19 per month and the most expensive is Illinois at $195.19 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.

Hastings Mutual Insurance Co

Average Rate

$143.44
Direct Auto

Average Rate

$166.55
National

Average Rate

$117.77
State Hastings Mutual Insurance Co Direct Auto
Alabama- $112.68
Florida- $208.32
Georgia- $188.15
Illinois $195.19 -
Indiana $126.41 -
Iowa $107.85 -
Michigan $152.56 -
Ohio $101.19 -
Wisconsin $121.99 -

Hastings Mutual Insurance Co 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 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 $135.27 $168.69
2 Vehicles $176.08 $

Hastings Mutual Insurance Co 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 Hastings Mutual Insurance Co charges $132.04 per month and Direct Auto charges $156.26 per month for customers who own their home.

Own/Rent Hastings Mutual Insurance Co Direct Auto
Own $132.04 $156.26
Rent $150.83 $170.13

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.

ComparisonHastings MutualDirect Auto
Year Founded18851991
Market Share0.2% (2018)
A.M. Best RatingA
BBB RatingA+A+
Financial StrengthExcellentExcellent
JD Power RankingAbove Average
NAIC Complaint Index6.06

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.

InsuranceHastings MutualDirect 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 MutualDirect Auto
Away at School DiscountAffinity Discount
Claim Free DiscountGood Student Discount
Defensive Driving DiscountHomeowner Discount
Good Student DiscountMileage Discount
Multi-car DiscountMilitary Discount
Multi-policy DiscountMulti-Car Discount
Paid in Full DiscountMulti-Product Discount
Paperless Bills DiscountPrior 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
Address404 E. Woodlawn Ave. Hastings, MI 49058
Phone1-800-442-8277
Websitehttps://www.hastingsmutual.com/
Facebookhttps://www.facebook.com/HastingsMutual/
Linkedinhttps://www.linkedin.com/company/hastings-mutual-insurance-company/
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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