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 11/13/2025.
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
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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david_verdin28 @david_verdin28
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1 Star Rating
DO NOT GO WITH THIS INSURANCE.
My car was stolen and found within two months, but the insurance process for inspection and repairs took four months, with constant delays.
After getting the car back, I paid a $1,000 deductible, with total repair expenses at $1,700, meaning $700 came from insurance. Additionally, I got two leaking tires that needed to be replaced, which they refuse to cover. I waited six months to receive my car with damaged rims and tires, and they didn't want to cover those without proof that I had purchased brand new tires, which were in my car when it was stolen.
This is the worst insurance, a complete waste of money and time.
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Janette Hatchett @Streetcarchick
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1 Star Rating
My son was involved in a hit skip car accident three days after I bought my car and insured it with Direct Auto Insurance Co. My son was T-boned. They denied my claim. What I'm really upset about is the fact that Direct Auto Insurance Co had their towing partner pick up my car from the towing company to assess the damages. After they decided that they were going to deny my claim, they didn't pay the storage fees to the company that picked up my car for them. They are expecting me to pay $530 for storage. I didn't have my car picked up by them, but they expect me to pay for it.
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Jeremy Bumpas @jbumpas78
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1 Star Rating
Rip-off! I was applying for Allstate, and at the end of the application process, it turns out I got handed off to Direct Auto Insurance. But I couldn't find my account or access proof of insurance. I canceled my account two days later. They show up in my email, charging me $114 for another month. This is how I finally found out who got my money for the insurance I applied for through Allstate. So I canceled, and they only gave me $50 out of $114.
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Kevin Richards @rutko1313
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1 Star Rating
I completed the application online and was informed that my insurance down payment would be $24.99 and my monthly premium would be $61.00. However, when I spoke with a sales representative, I was told my down payment would be approximately $71.00 and my insurance around $90.00 a month. This seems deceptive. When I contacted other affordable insurance options, I discovered they are all affiliated with Direct Insurance. Be cautious to avoid this scam
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rachel hak @greeneyedbaby
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1 Star Rating
Stay far away! They canceled my car insurance without any notice, no phone call, email, or anything and left me in a difficult situation. I didn't realize it until I went to pay my bill. Now I'm stuck with a bunch of DMV bills. Save yourself the headache and get insured elsewhere.
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Direct Auto Insurance Q&A(22 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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