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Direct Auto vs. Meemic Insurance
Which insurance company is right for you? Compare pros & cons, price, and quotes from Direct Auto and Meemic.
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- Direct Auto vs MEEMIC Insurance Company
Direct Auto vs. Meemic: What You Need to Know
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.
A small group of teachers formed Meemic in 1950. They aimed to provide other teachers and educators with quality protection at affordable rates. For almost 70 years, they’ve been providing auto, home, boat and personal umbrella insurance tailored to the needs of the educational community. The Meemic Foundation for the Future of Education was established in 1992 to provide financial assistance to schools, teachers, and educators, in the form of grants. Meemic partners with AAA to offer insurance products to teachers and educators in Illinois, Michigan, Wisconsin, and Georgia.
Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit Direct Auto Overview and MEEMIC Insurance Company Overview.
Direct Auto vs. MEEMIC Insurance Company: How much are the Average Rates?
Below is a list of the average rates that drivers typically pay with Direct Auto and MEEMIC Insurance Company. On average, Direct Auto charges approximately $126.64 per month while MEEMIC Insurance Company comes in at around $164.47 per month. For Direct Auto, the cheapest state average is California at $70.86 per month and the most expensive is Texas at $96.36 per month. For MEEMIC Insurance Company, the cheapest state average is Michigan at $164.50 per month and the most expensive is Michigan at $164.50 per month.
Average Rate
Average Rate
Average Rate
| State | Direct Auto | MEEMIC Insurance Company |
|---|---|---|
| California | $70.86 | - |
| Illinois | $86.98 | - |
| Michigan | - | $164.50 |
| Texas | $96.36 | - |
Direct Auto vs. MEEMIC Insurance Company: Rates by Number of Vehicle
Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Direct Auto and MEEMIC Insurance Company typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | Direct Auto | MEEMIC Insurance Company |
|---|---|---|
| 1 Vehicle | $126.88 | $158.04 |
| 2 Vehicles | $ | $273.97 |
Direct Auto vs. MEEMIC Insurance Company: Rates by Homeownership
What is Direct Auto and Meemic Insurance Rating?
Which car insurance company is better? We've made it easy to compare companies side by side. See how Direct Auto and Meemic ranked among the industry ratings.
| Comparison | Direct Auto | Meemic |
|---|---|---|
| Year Founded | 1991 | 1950 |
| BBB Rating | A+ | B- |
| Financial Strength | Excellent | Excellent |
| NAIC Complaint Index | 6.06 |
Direct Auto or Meemic: Insurance Products Offered
What coverage is available through Direct Auto and Meemic? Both insurance companies offer Auto, Motorcycle, and RV insurance. Additional products from Meemic insurance also includes Commercial, Condo, Health, Home, Life, Renters, Umbrella insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Direct Auto and MEEMIC Insurance Company Insurance page.
| Insurance | Direct Auto | Meemic |
|---|---|---|
| Auto Insurance | ✔ | ✔ |
| Commercial Insurance | ✔ | |
| Condo Insurance | ✔ | |
| Health Insurance | ✔ | |
| Home Insurance | ✔ | |
| Life Insurance | ✔ | |
| Motorcycle Insurance | ✔ | ✔ |
| Renters Insurance | ✔ | |
| RV Insurance | ✔ | ✔ |
| Umbrella Insurance | ✔ |
Direct Auto or Meemic: Ways To Save
Meemic offers a wide range of discounts to its policyholders, including Newly Certified Teacher, Paid-in-Full, and The Educated Choice Repair Program discounts. Direct Auto also offers a few discounts that Meemic doesn’t include Welcome Back, Senior Citizen, and Safe Driver discounts. Start taking advantage of discounts offered by insurance providers like Meemic and Direct Auto insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.
| Direct Auto | Meemic |
|---|---|
| Affinity Discount | Multi-policy Discount |
| Good Student Discount | Newly Certified Teacher Discount |
| Homeowner Discount | Paid-in-Full Discount |
| Mileage Discount | The Educated Choice Repair Program |
| Military Discount | Vehicle Anti-theft Discount |
| Multi-Car Discount | |
| Multi-Product Discount | |
| Prior Coverage Discount | |
| Renewal Discount | |
| Safe Driver Discount | |
| Senior Citizen Discount | |
| Welcome Back Discount |
Pros & Cons of Direct Auto & Meemic
Pros
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
Meemic
- Offers discounted rates for teachers.
- Offers industry-specific coverage.
- Quality repairs using original manufacturer parts.
Cons
Direct Auto
- Claims only by phone. There is no option to file a claim online.
Meemic
- Insurance through Meemic is only offered in four states: Michigan, Illinois, Wisconsin, and Georgia.
Direct Auto or Meemic Mobile Apps Options
| Direct Auto Mobile App | ||
|---|---|---|
| Direct Auto does not currently have a mobile app. | ||
| Meemic Mobile App | ||
|---|---|---|
| Meemic does not currently have a mobile app. | ||
Direct Auto & Meemic Contact Info
| 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/ | |
| Meemic Contact Info | |
|---|---|
| Address | 1685 N. Opdyke Rd. Auburn Hills, MI 48326 |
| Phone | 1-888-463-3642 |
| Website | https://www.meemic.com/ |
| https://www.facebook.com/Meemic/ | |
| Youtube | https://www.youtube.com/channel/UCQnTMFg_hBizrzlZc0aQKMw |
| https://twitter.com/Meemic | |
| https://www.linkedin.com/company/meemic-insurance-company/ | |
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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