Cost of Direct Auto car insurance
On average, car insurance from Direct Auto costs $2,351 per year. That’s $713 more expensive than the national average cost of car insurance, which is $1,638 per year.
If you have a claim on your record, Direct Auto is more affordable than other insurance companies. After an accident, ticket, or DUI, the cost at Direct Auto increases by an average of 29% — lower than the national average increase of 71%.
Remember, it’s always a good idea to compare rates before you buy a policy so that you find the company with the best prices for your driving history.
Average annual rate for Direct Auto
Required state minimum
Full coverage ($50,000/$100,000)
Full coverage ($100,000/$300,000)
Car insurance discounts from Direct Auto
Direct Auto offers a wide range of car insurance discounts. You can qualify for more than one discount, but you can only save up to 25% on the cost of your policy.
Affinity discount: Save up to 5% if you’re a member of an organization that partners with Direct Auto, like an employer, church, university, or club.
Defensive driving education discount: Complete an accident prevention course and qualify for a discount on your Direct Auto policy (up to 10%).
Good student discount: Get a discount (up to 10%) if you or an insured driver on your policy is an honor student, on the dean’s list, have a B average, or rank in the top fifth of your class.
Homeowner discount: Save up to 15% if you own a home (excluding a mobile home) and keep your cars there.
Military discount: Receive a discount (up to 25%) if you’re an active-duty member of the military.
Multi-car discount: Insure more than one vehicle with Direct Auto and save up to 25%.
Multi-policy discount: Get a discount (up to 5%) if you buy more than one kind of insurance policy from Direct Auto, including life insurance.
No-lapse in coverage discount: Receive a discount (up to 25%) if you’ve been insured for at least the last 6 months and haven’t ever gone more than 90 days without car insurance.
Payment discounts: Receive a discount of up to 9% if you set up automatic payments, pay your policy all at once, or switch to paperless billing.
Safe driver discount: Get a discount (up to 10%) if you’ve gone 36 months without an accident.
Senior citizen discount: Drivers 55 years and older who complete a safety course can save up to 5% on their car insurance.
Vehicle safety discount: You can get a discount (up to 10%) if your vehicle has anti-theft or anti-crash features.
Welcome back discount: Purchase car insurance with Direct Auto after not having a policy for at least 6 months and get a discount (up to 6%).
Usage-based car insurance from Direct Auto
Direct Auto’s DynamicDrive is the company’s usage-based car insurance program. If you’re a good driver, signing up for DynamicDrive could save you up to 10% on your car insurance premiums.
When you sign up for DynamicDrive and download the app Routely, you share details about your driving and your trips with Direct Auto. You can receive a discount if you drive safely, although you might get higher rates if you drive poorly.
Where is Direct Auto car insurance available?
You can get car insurance from Direct Auto in these 24 number states:
Direct Auto is not available in New York, Florida, Massachusetts, Oregon, New Jersey, and a handful of other states.
What to expect with Direct Auto insurance
How to get a quote: You can get a car insurance quote from Direct Auto online or over the phone by calling 855-644-0392.
Customer service options: You can use Direct Auto’s mobile app to make a payment, view and manage your policy, access your insurance card, request roadside assistance, file a claim, and find an in-person Direct Auto office.
How to file a claim: You can make a claim with Direct Auto online, by using the mobile app, or by calling 800-403-1077.
How to cancel your policy: You can go to a physical Direct Auto office and sign a cancellation request, request a cancellation by emailing Direct Auto’s customer service, or by calling customer service at 877-463-4732.