Direct Auto Insurance, headquartered in Nashville, Tennessee and founded in 1991, specializes in insurance for high-risk drivers. Direct Auto Insurance is available in 14 states, including Georgia, Texas, and Virginia. Here are a few key things to know about Direct Auto Insurance:
Offers auto insurance, life insurance, motorcycle insurance, and more.
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Direct Auto Insurance Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 02/10/2026.
Direct Auto Insurance is an average car insurance company, given its middle-of-the-road premiums and mediocre customer service. Direct Auto’s NAIC rating is 0.86, which means it has more customer complaints than the average competitor, adjusted for size.
Direct Auto insurance is available in 18 states, including Florida, Georgia, Texas, and Virginia.
Direct Auto Insurance Ratings
Reviews on WalletHub:3.9/5
NAIC: 0.86
BBB: N/R
AM Best: A+
Direct Auto Insurance was accredited by the Better Business Bureau in 1994.
Direct Auto Insurance Review Highlights
Top Discounts – multi-policy discount, multi-car discount, and safe driver discount. Basic Coverage Options – Bodily injury liability, property damage liability, personal injury protection, medical payments, comprehensive, collision, and uninsured/underinsured motorist.
Extra Coverage Options – rental reimbursement, towing, accidental death coverage, individual term life insurance, accident medical expense, health insurance, and emergency protection.
Other Specialty Auto Insurance – motorcycle insurance, commercial auto insurance, Mexico auto insurance.
Unlike some competitors, Direct Auto Insurance does not sell homeowners insurance.
Direct Auto Car Insurance Quotes
Driver Profile
Average Quote
18-Year-Old
$263 per month
21-Year-Old
$165 per month
45-Year-Old
$111 per month
45-Year-Old with a Speeding Ticket
$139 per month
45-Year-Old with DUI
$118 per month
55-Year-Old
$108 per month
65-Year-Old
$110 per month
Direct Auto Insurance premiums are fairly standard compared to other car insurance companies. However, Direct Auto Insurance offers a suite of discounts that may make coverage more affordable.
Bottom Line: Is Direct Auto Insurance a Good Company?
Direct Auto Insurance is an average insurance company, given its competitive pricing but large number of customer complaints. Direct Auto Insurance’s most notable insurance options include auto, life, health, and renters policies.
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Direct Auto Insurance
rich burkey @burkey221
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1 Star Rating
Horrible scamming company! Don't do it, you'll regret it! My vehicle was involved in a minor accident back in September 2025, and here it is February 2026, and it's still in the shop waiting on payment from Direct Auto. They don't care; you can't even get a person on the phone, and the adjuster, who is from another state, never answers or returns calls. It's a joke. Stay away!
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truckstercushman @truckstercushman
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1 Star Rating
Direct is an unscrupulous company. If you take out insurance with monthly payments and have been with them for two months—say you are paying $200 a month—and you decide to cancel your policy after two months, be prepared to receive a bill for $2,050.00. This includes a $50 cancellation fee plus the charges for the remainder of the year, despite being on a monthly payment plan.
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brandy huett @branflakes20
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1 Star Rating
Worst company ever. The moment you have to file a claim, they deny it and then drop you from the insurance because they don't want to pay out any money. We filed a claim for a tree falling on our truck and they decided they didn't want to pay it and said they are dropping our policy. What a joke; all they want is your money, but when it comes time for them to pay up, they drop you.
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Direct Auto Insurance
Melonie Williamson @monkigrl11
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1 Star Rating
I have been a customer of Direct for over three years, and I have discovered that they added an individual I do not even know to my insurance and raised my rates. They cannot explain this to me, other than the person they added to my insurance had the same address as an old address where I lived over a year ago. My rates have gone up, and they have explained to me that until I provide papers stating that I don't know this person, my rates will continue to rise. Every single month, they will reinstate them onto my insurance without my authorization. This is not a company you want to deal with. I have had no accidents and no tickets in the past 20 years, and my rate has steadily increased every year; now, it has doubled since they added this person to my insurance. They lied and said the DMV was responsible. The DMV did not do this, as it is illegal for them to do so. I am canceling my insurance and going with State Farm.
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djjaswa @djjaswa
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1 Star Rating
If I could leave zero or negative stars, I would. As a business owner, I understand how important good reviews are. I also know that a bad review can majorly hurt a company, so I almost never resort to writing one. Direct Auto, however, has earned every word of this review. If you are considering using them, I would strongly advise against it. Allow me to explain why. I've used them for a few years now; the first year, there was a minor issue with the renewal process, but it wasn't too bad, and I was made aware of it in advance. The last two years, however, when it was time, they have stopped taking the auto-pay from my account and only informed me after my policy was overdue and in cancellation status. And since the state of Alabama (and likely your state as well) has a deal with the auto insurance industry, you have no choice but to pay their exorbitant reinstatement fee or be fined even more by the state for letting it lapse. So I paid and was assured that the auto-pay would work from here on out. Come January, yet again, it hasn't been coming out, leading to another substantial late fee to avoid losing coverage and being penalized by the state. Despite being told that if I paid the late fee and the large reinstatement fee (making the bill three times more expensive than what I actually owed), I wouldn't have to worry about it failing again. I can't even imagine, though judging from all of their reviews, how terrible it would be to rely on them to do their job and pay out in the event of an accident. I know that it would be a nightmare. Trust me, and everyone else who has reviewed them across every review site, you do not want to use this company. Their customer service is just as ineffective as their coverage. You might pay more elsewhere, but not in the long run, and certainly not if you ever actually need them. They will find ways to incur fees and won't inform you until it's too late. Or, as in my case, not until you owe an exorbitant reinstatement fee on top of the late fee due to their failure to process the auto-pay. Find somewhere else, any other place, and you will have a much easier time. Worst insurance company in the world; they don't deserve the one star I had to give them to leave this review. Don't believe me? That's fair. Please continue reading the rest of their reviews, anywhere you can find them. That is why they had to disable reviews on Google; they are that abysmal.
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thundarlips @thundarlips
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1 Star Rating
If you have any other option, I would take it. Pray you never have to actually submit a claim through these people. Their app is subpar and is frequently hacked, so rest assured your personal information will probably get leaked if you are forced to use high-risk insurance. It's okay; Direct Auto, The General, or should I say, Shaq insurance, is just as subpar. The agents I've spoken with, on the other hand, seem like decent people; it's a shame they have to advertise for such a terrible product.
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Robin Dalton @rjdhal66
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1 Star Rating
It would have been nice if you had answered your phone. I was listening to the hold music for 52 minutes. You lost my business, and I went somewhere else. Thank you.
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Tai Miller @Madashelllies
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1 Star Rating
Please stay away from this company! I am disabled, and they still left me on the side of the road like roadkill. I asked if my payment could align with my check date—no. I didn't have any faults or points on my driving record. Also, my credit is fair. Age 53-55, just liability coverage $752.15, when the bill was $178.00. They listed my mother, father, brother, just because this is my mailing address. What am I driving, a jet? Run fast from this fraud—not even a whole one—zero.
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Lanita Harrison @zycarii777
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1 Star Rating
I purchased Direct Auto insurance on June 13th, 2025. My quote for my liability insurance was $54 and some change initially, and then $75 and some change a month. In July, when my bill was due, I noticed a different amount taken out of my check for $93 and some change. So, I called them, and they told me that I hadn't completed my contract and that I needed proof of my old insurance and my daughter's driving license, which they never initially requested. I would never recommend Direct Auto insurance to my friends or anyone else. I believe the original quote should be honored for the duration of the contract. I give them a 0. Also, the person who sold me the insurance, Teresa, I give her a 0 as well—she should have been upfront with me and informed me about everything. There shouldn't have been any surprises regarding different prices in my bank account.
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traynorhaven @traynorhaven
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1 Star Rating
It started out fine. However, after three months of direct deposit, they sent emails about cancellation and charged a late fee when we would call and have them use the card on file. The money was there; they just messed it up somehow and then charged me a fee for their mistake. Then, when I went to cancel after paying for the next month that same week, they wanted to charge me over $100 to cancel since it was under half a year. They broke the contract by not following the payment withdrawals and then charging me a fee for the trouble. Please avoid this company.
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lacy boswell @lacyrenee45
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5 Star Rating
I had a great experience on the phone with Joey! He was very helpful, very nice, and very patient with me. I am definitely happy with my experience.
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heather nowell @mamanowell6
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5 Star Rating
I love my car insurance not only for the great rates, but I just wanted to take a second and shout out to my customer rep for walking me through some paperwork today. Spurgeon was not only helpful, but real and kind, and explained everything diligently and well. He went out of his way to double-check things and assured me that they were being taken care of. He was intentionally present and did his job very well! We need more people like this when dealing with the call volume these days! Thanks so much for being such a great company! - Heather from VA
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jaybutts @jaybutts
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1 Star Rating
Absolute crooks! This company has put me through the wringer. I literally had my car for less than 30 days when we got hit by a hail storm. Dents all over it. The adjuster comes out and says paintless dent repair will fix it. I don't know how, seeing that the paint is all chipped up. Then they say my $1000 deductible is $3000 because of a sliding scale. Whatever that means! I pay these individuals $205 a month for full coverage that won't fix anything. The worst insurance company ever and I plan to report them to the Ohio attorney general.
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Bahrom Kasimov @bkasimov30
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1 Star Rating
This is a scam - terrible insurance. My dad's insurance premium increased by 32 dollars in the third month. They also charged him a 35-dollar fee for canceling the policy. I wish I had read the reviews before obtaining a policy with this unknown insurance company. Someone needs to investigate the legitimacy of their business practices and take legal action against them. Stay away from this company!
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Direct Auto Insurance Q&A(24 questions)
Get answers to your questions about Direct Auto Insurance below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
You can call Direct Auto at 1 (877) 463-4732. Customer service representatives are available Monday to Friday from 8 a.m. to 8 p.m. and Saturday from 10 a.m. to 4 p.m. CST, and they can assist you with things like getting a quote, billing information or making changes to your policy. You can also contact Direct Auto by going to Direct Auto's website and emailing customer service or visiting a local agent.
How to Contact Direct Auto
Phone: Call 1 (877) 463-4732 to speak with a customer service representative.
Online: Go to Direct Auto's website and use the chat function.
Mail: Mail your request to Direct Auto at
PO Box 1623 Winston Salem, NC 27102.
In person: Visit a Direct Auto agent at their office.
The best way to contact Direct Auto representatives depends on what exactly you're looking to do. For instance, to file a claim, you can file online, over the phone, or through the Direct Auto mobile app. However, to cancel your policy with Direct Auto, you have to call (877) 463-4732. Direct Auto also has different numbers for the specific departments that can assist you with your policy or provide roadside assistance.
No, Direct Auto is not the same as National General, but the two companies are related, as Direct Auto Insurance is a subsidiary of National General Holdings Corporation. National General has owned Direct Auto since 2016, though Direct Auto mainly operates independently from National General. Additionally, Direct Auto and National General have separate headquarters, in different cities.
Allstate has owned Direct Auto Insurance since January 2021, when Allstate bought its parent company, National General, for $4 billion. Direct Auto Insurance was acquired by National General in 2016, and both companies are now subsidiaries of Allstate.
Although Allstate owns National General and Direct Auto, the three brands operate independently, with Direct Auto specializing in non-standard insurance for high-risk drivers. Direct Auto offers several types of car insurance for high-risk drivers, including liability, comprehensive,...
Direct Auto is part of the Direct General Group, which is owned by National General Holdings Corp., a property and casualty insurance company headquartered in New York City. National General has owned Direct Auto since 2016.
For more information, check out WalletHub\\\\\\\\\\\\\\\'s full Direct Auto review.
According to the company's website, you can contact Direct Auto Insurance by calling 1-877-463-4732, going to a location near you (https://local.directgeneral.com/), online by sending an email to customer service (https://bit.ly/1Un5LGL) or through online chat (https://bit.ly/1LUE7MD).
No, Direct Auto does not have 24/7 customer service, but they do have 24/7 claims assistance. The Direct Auto customer service department is available Monday-Friday 9 a.m. - 9 p.m. CST, and Saturday 11 a.m. - 3 p.m. CST, and you can reach them by calling 1 (877) 463-4732. You can also contact Direct Auto by going to the Direct Auto website and filling out their email form.
Yes, Direct Auto offers non-owner car insurance for people who do not have access to a car owned by someone in their household. Non-owner car insurance is a good investment for drivers who don't own a car themselves but frequently borrow or rent cars, or those who need to file an SR-22 or FR-44 with their state to prove they have car insurance.
Direct Auto non-owner car insurance provides liability insurance to cover other people's expenses in the event that...
Yes, Direct Auto has a grace period of at least 11 days for late payments, when you can pay your past-due premium in order to avoid a lapse in coverage. If the grace period ends without the necessary payment being made, Direct Auto will cancel the policy.
Consequences for Missing a Direct Auto Car Insurance Payment
Cancellation Notice
Direct Auto will usually send a notice of cancellation that includes the final date...
To talk to a person at Direct Auto Insurance, call their customer service department at 877-463-4732. Direct Auto customer service representatives are available to talk Monday-Friday 8 AM to 8 PM CST and Saturday 9 AM to 5 PM CST, regarding any questions or concerns you have about things such as claims, policy changes, and emergency roadside assistance.
No, Direct Auto is not only online. Direct Auto has offices where you can meet with an agent by appointment, although it may be easier to call Direct Auto at 1 (877) 463-4732 or to use the Direct Auto website or mobile app.
Direct Auto Office Locations in the Largest Cities
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