Direct Auto: Overview

Based in Tennessee, Direct Auto has been providing insurance since 1991.

Smart Score

Compare Car Insurance Rates in Your Area

About Direct Auto

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.

Direct Auto Insurance Facts & Ratings

Year Founded1991
Financial StrengthExcellent
BBB RatingA+
NAIC Complaint Index6.06

Direct Auto Mobile App Rating

Direct Auto does not currently have a mobile app.

Pros & Cons of Direct Auto Insurance

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

Common Questions about Direct Auto

Who owns Direct Auto insurance?

Direct Auto Insurance is part of the Direct General Insurance Company.

Does Direct Auto offer SR22/FR44?

Direct Auto Insurance welcomes all drivers to apply for coverage, no matter their insurance history or coverage needs. If you need help understanding or filling an SR22 OR FR44, fill out a form here and we’ll connect with you an agent who offers the most affordable rates.

What does Direct Auto cover with roadside assistance?

24-Hour Emergency Towing
Gas & Essential Fluid Delivery
Lockout Service
Jump Starts for Dead Batteries
Mechanical Help
Concierge Benefits

How does Direct Auto payout claims?

If you need to make a claim, you should report it as soon as possible by calling 1-877-463-4732 to speak with a representative. The Direct Auto team will complete an investigation of your claim, evaluate the damages and answer any questions you may have. With your claim number in hands, you can check the status of your claim.

Can I choose my own repair shop with Direct Auto?

Yes, Direct Auto gives you the opportunity to choose your own repair shop or you can choose one from the Direct Repair Group.

Does Direct Auto have good customer service?

Direct Auto had more than the median number of auto insurance complaints to state regulators in 2018 relative to its size, but fewer than the median number of life insurance complaints, according to the National Association of Insurance Commissioners. You can contact their customer service team calling at 1-800-403-1077, from Monday to Friday, from 8:00 am to 5:00 pm (EST).

How can I cancel Direct Auto insurance?

To cancel Direct Auto insurance, you have the following options : You can go to a local store and sign a cancellation request, or handwrite a statement (the handwritten statement should include the policy number, full name, address, date of birth, the date you need the policy canceled, and the policyholder’s signature). You can fax this statement to 877-622-7338. You can also request a cancellation online by emailing Customer Service (the email should include an explanation of your request, the policy number, full name, address, date of birth, and the date you need the policy canceled). When you’re ready for new car insurance quotes visit here.

Does Direct Auto insurance run your credit score?

Yes, Direct Auto insurance runs your credit score in states that allow it. Many companies check your credit in order to determine your risk-factor as a driver and to help ensure that you’re not overpaying for your car insurance. However, if you have bad credit, some companies can refuse to insure you. This is not the case with Direct Auto Insurance, which will insure you regardless of your insurance history.

How to reinstate canceled insurance with Direct Auto:

If your policy has been canceled for more than 30 days, you won’t be eligible for reinstatement. You’ll have to apply for a new policy. However, If your policy has been canceled for less than 30 days, you may be eligible to request reinstatement of your policy. You can start by logging into your account with your policy number and date of birth to access your policy information. You’ll be asked to fill a Statement of No Losses in which you have to certify that you haven’t had any auto accidents. If you did, you aren’t eligible for reinstatement and you’ll need to apply for a new policy. If you haven’t had an auto accident, you can complete and E-sign the Statement of No Losses. You’ll be able to make the payment that is due once you have agreed to the Statement of No Losses. The reinstatement process can take from 7 to 10 days to be completed. You can also contact their local agent or customer service and they’ll be happy to review your policy to see if you qualify to reinstate.

Does Direct Auto have a grace period?

Yes, Direct Auto has a grace period and it can vary by state. The grace period will be always at least 11 days or in some cases, more. The company normally sends a notification after a payment is due with specific information or you can contact customer service to check exactly what your grace period is.

What types of health insurance does Direct Auto offer?

Direct Auto doesn’t have its own health insurance plan but if you’re interested in the following types of health care plans, visit here:

Individual or Family Health Insurance

Medicare and Medigap: These types of insurance are generally available to people who are 65 or older and meet the citizenship and residency requirements, under 65 with certain disabilities or from any age with End-Stage Renal Disease (ESRD) (permanent kidney failure requiring dialysis or a kidney transplant).

Does Direct Auto underwrite auto insurance policies in all 50 states?

Direct Auto insurance serves 11 states: Alabama, Arkansas, Florida, Georgia, Louisiana, Mississippi, North Carolina, South Carolina, Tennessee, Texas and Virginia.

What types of life insurance coverage does Direct Auto offer?

Direct Auto offers term life insurance to fit your budget and needs. Coverage includes a replacement for lost income, final medical and funeral expenses, daily living expenses and college tuition.

How Does Direct Auto calculate rates?

There are many factors that Direct Auto takes into consideration when calculating the rates, for example with auto insurance, they consider your coverage limits and deductibles, where you live, what kind of car you drive, how your car is used, who can drive your car, your household structure, as well as information from consumer reports like your credit, and claims history.

What company is similar to Direct Auto insurance?

We have a bunch of options for Insurance Agents who work with specialized high-risk insurers. Get multiple free car insurance quotes and compare the rates and services with us.

Direct Auto Products

Auto InsuranceMotorcycle Insurance
Roadside InsuranceIndividual Term Life Insurance
Accident Medical ExpensesHealth Insurance Marketplace
Emergency ProtectionMexico Auto Insurance
Commercial Auto Insurance

Direct Auto Coverage

Bodily Injury Liability

This form of protection covers bodily injuries to a third party in an accident that was deemed your fault.

Property Damage Liability

This form of protection covers property damage and loss of use to a third party.

Uninsured/Underinsured Motorist

This form of coverage covers damages when the other party is at fault but is either uninsured or underinsured.

Comprehensive Coverage

This coverage pays for damages and loss caused by accident, theft, vandalism and other damage on or off the road.

Collision Coverage

This coverage pays for damages and loss caused by impact with another automobile, object or person.

Medical Payments

This coverage pays for medical bills beyond what your health insurance covers.

Personal Injury Protection

This coverage pays for medical bills and indirect costs, no matter who is at fault. This coverage is not available in all states.

Rental Reimbursement

This coverage takes care of renting a vehicle while yours is being repaired.

Towing

This coverage pays for emergency towing costs (up to the limit selected) when your covered vehicle cannot be driven due to a mechanical breakdown or an accident and for labor costs for necessary services provided at the place where your car is disabled.

Accidental Death

This coverage pays your beneficiary $5,000 in the event of accidental death resulting from an accident.

Discounts

Military DiscountSafe Driver Discount
Good Student DiscountSenior Citizen Discount
Multi-Car DiscountMileage Discount
Multi-Product DiscountPrior Coverage Discount
Renewal Discount Welcome Back Discount
Affinity Discount Homeowner Discount

Direct Auto Auto Insurance Rates by State

Below is a list of the average rates that drivers typically pay with Direct Auto. On average, Direct Auto charges approximately $190.18 per month. The cheapest state average is Alabama at $115.81 per month followed by Tennessee at $140.07 per month. The most expensive state average is Florida at $241.18 per month.

State Avg monthly rate
AL $115.81
AR $188.82
FL $241.18
State Avg monthly rate
GA $209.36
TN $140.07

Direct Auto Auto Insurance Rates by Vehicle

Drivers typically will get a discount if they insure multiple vehicles. Here is a list of average rates that Direct Auto charges for drivers who have more than 1 vehicle.

Number of Vehicles Avg Monthly Rate
1 Vehicle $185.80
2 Vehicles $214.73
3 Vehicles $324.32

Direct Auto Auto Insurance Rates by Homeownership

Customers who own their home rather than rent can sometimes get a small discount. We found that on average Direct Auto charges $167.17 per month for drivers who own their home and $195.59 per month for those who rent.

Own/Rent Avg Monthly Rate
Own $167.17
Rent $195.59

Direct Auto Insurance 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.

Compare Insurance Rates for Free.

Enter your zip code, answer a few questions, and compare rates in less than 3 minutes.