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3+ years in insurance content
Host of Insurify‘s podcast “No Dumb Questions“
Sara has been an associate editor at Insurify since 2022. She co-launched Insurify‘s podcast “No Dumb Questions“ in 2025.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Updated
Category | Average Score |
|---|---|
| Overall experience rating | 3.2 |
| Customer service | 3.2 |
| Value | 3.2 |
| Claims handling | 3.2 |
| Coverage options | 3.2 |
| Discounts | 3.4 |
| Policy transparency | 3.2 |
| Policy flexibility | 3.2 |
Direct Auto overall user rating: 3.2 out of 5
Insurify Quality (IQ) Score for Direct Auto: 8.3 out of 10
NAIC complaint index: Not rated
Average monthly full-coverage premium from Direct Auto: $172
Direct Auto focuses on coverage for high-risk drivers and is only available in 15 states. Because Direct Auto caters to high-risk drivers, its rates will be higher than a traditional insurer and this is reflected in many of the customer reviews.
Insurify gives Direct Auto a solid Quality Score of 8.3/10.
While Direct Auto can be a great fit for some drivers, its reviews skew mostly negative. Direct Auto customers with a positive experience frequently mention helpful agents and good customer service.
Customers with negative reviews mention Direct Auto’s high rates, lack of discounts, and rate increases. Overall, Insurify customers give Direct Auto a 3.2 out of 5 rating for its value for the money.
Direct Auto customers give the company a 3.2 out of 5 rating for its customer service. Customers with a positive experience focus on kind and helpful Direct Auto agents who were able to help them quickly. Reviewers who had negative experiences with Direct Auto’s customer service say that it’s hard to reach and the service is inconsistent.
Take a look at the table below to see how Direct Auto customers feel about the customer service.
Direct Auto’s 3.2 out of 5 customer service rating lags behind Allstate’s 4.0 out of 5 rating, but it’s comparable to National General’s 3.4 out of 5 rating.
Here’s how Insurify customers rated each company on their customer service.
Company | Average Score |
|---|---|
| Direct Auto | 3.2 |
| National General | 3.4 |
| Allstate | 4.0 |
Direct Auto customers give the company a 3.4 out of 5 rating for its discounts, one of the highest ratings the company has. Positive reviews mention that Direct Auto’s discounts are better than those of competitors. Negative reviews mention discounts dropping after renewal.
Here’s a look at what Direct Auto customers say about the company’s discount opportunities.
Direct Auto’s 3.4 out of 5 rating for discount availability is higher than National General’s, but lower than Allstate’s.
Check out the table below to see how customers rate these three companies’ discounts.
Company | Average Score |
|---|---|
| Direct Auto | 3.4 |
| National General | 3.2 |
| Allstate | 3.9 |
Direct Auto customers rate the company’s claim handling a 3.2 out of 5. Happy policyholders note that Direct Auto’s claims process is smooth and straightforward. Negative reviews mention issues with responsiveness.
Here are some recent reviews from Insurify customers about Direct Auto’s claims process.
Direct Auto and National General have similar ratings for claim handling. Allstate has the highest rating with a 3.9 out of 5.
Here’s how Direct Auto’s claims handling compares to Allstate and National General.
Company | Average Score |
|---|---|
| Direct Auto | 3.2 |
| National General | 3.5 |
| Allstate | 3.9 |
Direct Auto has a 3.2 out of 5 rating its value for the money. Customers who struggled to find coverage are pleased with Direct Auto’s value for the money. Negative reviews feel like Direct Auto isn’t worth it because of rate hikes.
Below are reviews from Insurify customers about whether or not Direct Auto provides good value for the money.
Direct Auto’s 3.2 out of 5 rating for monetary value is higher than National General’s 3.4 out of 5 rating. Allstate beats both companies, with customers giving it a 3.4 out of 5 rating for its monetary value.
Here’s how Insurify customers rate these three companies on their value for the money.
Company | Average Score |
|---|---|
| Direct Auto | 3.2 |
| National General | 3.4 |
| Allstate | 3.4 |
One of Direct Auto’s highest ratings is for policy transparency, with customers giving it a 3.2 out of 5. Positive reviews focus on easy-to-understand documents and helpful agents. Negative reviews mention confusion over canceled policies and unexpected charges.
The table below shows real reviews about Direct Auto’s policy transparency.
Direct Auto’s policy transparency rating is better than National General, but Allstate has the highest rating for policy transparency.
Here’s how customers rate these three companies.
Company | Average Score |
|---|---|
| Direct Auto | 3.2 |
| National General | 3.6 |
| Allstate | 3.8 |
Reading real customer reviews is one of the best ways to get an impression of a company.
Here’s how over 1,923 Insurify customers feel about Direct Auto.
When you’re looking for insurance, it’s helpful to compare multiple companies to make sure you’re getting the best deal. Here’s how Direct Auto compares to its competitors.
 |  |  |  |  |  |
|---|---|---|---|---|---|
Average price $132/mo* | Average price $125/mo* | Average price $134/mo* | Average price N/A | Average price $160/mo* | Average price $153/mo* |
Overall rating | Overall rating | Overall rating | Overall rating | Overall rating | Overall rating |
Value for money | Value for money | Value for money | Value for money | Value for money | Value for money |
Customer service | Customer service | Customer service | Customer service | Customer service | Customer service |
Claims handling | Claims handling | Claims handling | Claims handling | Claims handling | Claims handling |
Special highlight High-risk driversAI-generated from 1923 user reviews | Special highlight Accident forgivenessAI-generated from 12530 user reviews | Special highlight SR-22 insuranceAI-generated from 1596 user reviews | Special highlight High-risk driversAI-generated from 29 user reviews | Special highlight High-risk driversAI-generated from 691 user reviews | Special highlight High-risk driversAI-generated from 242 user reviews |
Insurify collects reviews from users on its platform who have successfully compared quotes, as well as users who have purchased a policy through Insurify.
These users complete an optional survey that asks them to review their experience with their current insurance company and rate the company on factors like customer service, claims handling, coverage availability, discounts, policy flexibility, policy transparency, and value for money. These ratings and reviews are then compiled and cleaned by our data team to bring you company-level insights from over 85,000 Insurify users.
3+ years in insurance content
Host of Insurify‘s podcast “No Dumb Questions“
Sara has been an associate editor at Insurify since 2022. She co-launched Insurify‘s podcast “No Dumb Questions“ in 2025.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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