Is Direct Auto A Good Insurance Company? Reviews From Over 1,396 Customers

My bill was cut in half. I'm extremely thankful.

It's the cheapest I can find, so it will have to do. Although I'm not happy with any insurance company because the rates are too high. My car got stolen once, it can't get stolen again, and they have me on high risk, so there's my answer.

I was looking for a 12-month policy. I did my research before contacting Direct Auto. I was given excellent customer service by Mr. Ceaser, my agent.

Direct Auto Insurance company has proven to me that they are one of the best in the area. I am proud to be one of their customers.

I'd tell them to find cheaper options.

I have been working with them for a couple of months, but so far so good.

A very nice agent helped me set up my account.

Good Insurance Company

It was great.

Affordable.

Extremely nice. Great listeners, and helpful employees.

The premium is too high for us. We're on a fixed income and the premium takes $361 out of our Social Security check. This makes it harder for us to buy groceries.

The insurance serves its purpose, but it's a bit expensive.

The customer service is great! However, if you don't have your policy number, the automated representative doesn't recognize your phone number. Other than that, everything is okay.

The price was good at the start, but they keep raising the rates. I have no points, no accidents, and I'm 62 years old.

Price

The prices I pay for liability with uninsured motorist coverage for two vehicles, I found for the same price at another company with better coverage.

The cost is too high for the state minimum. Plus, there's no coverage for replacement with liability only.

The quote prices were really good.

I am very pleased with their service and my policy!

So far, it has been fine.

Direct Auto is the cheapest car insurance that I was able to find after getting a quote from every single insurance company I could find. They were able to give me discounts and get my monthly payments about $50-$100 cheaper than any other insurance company who gave me an auto coverage quote. They worked with me when I was late and short on my payments and they also included road assistance with my basic liability coverage, which no other insurance company offered to me.

The customer service is very good.

I have no major complaints. I've been a loyal customer for many years, but it has now become necessary for me to look for better rates.

Very expensive.

They understand and work with you so you can keep your coverage. Good!

Good.

I just joined online and found out that it's very suitable for me given my current situation. It seems completely good for my needs!

It's not bad, but I had to reconsider because I need something that I can afford.

If you don't have a loan that requires certain coverages, and your car's value is similar to what an average repair from an accident would cost, it's likely that your car would be considered totaled. In such a case, why not save your money and avoid over-insuring your vehicle?

Very good value!

Great pricing.

This is the cheapest insurance I've found so far.

I need to find cheaper insurance.

It's a bit expensive, but they are quick with the policy.

I had a great experience with Direct Auto. I'm just looking for a lower price.

Jose is knowledgeable and was very helpful.

Just like any other company, liability-only insurance is too expensive.

These folks are doing a great job. Not only can I manage my policy online, they also opened a small office in our local Walmart. The two people there are very friendly and very helpful. I've not had a single complaint. They are local, friendly folks. When I've had to go online or on the phone, I've also received good customer service. The price is competitive compared to others. I haven't had to file a claim yet, so I can't comment on that.

It's a good company, but they could do better on the discounts.

At the moment, it's the best value for your money.

It's been a great experience.

Excellent prices.

They are good when you first need insurance, but after the first 12 months, they raise it by over 20 dollars or more.

The customer service is great, but the cost of my policy is very high.

This is the most reasonably priced insurance I could find.

So far, I like it.

The process is simple.

It was fine. They insured me, wow.

Nothing, the service is perfect.

I'm just trying to lower the cost of my policy. I'm currently paying $128.00 per month and thought that, since I've never had a ticket or accident since I first started driving in 1964, I would get a better rate under $100.00 per month.

Customer service is very good and they try to help as much as possible. It's just quite pricey.

So far, it's great. I'm not planning on changing my insurance.

When I first got the insurance, the price was affordable. However, each year it gets higher for no apparent reason. I haven't had any tickets or accidents for 5 years.

Very helpful and friendly.

Shop around before getting locked in.

Great company.

I don't understand why my insurance keeps increasing in price. I have no accidents or tickets, so I'm unsure why the cost keeps rising.

Friendly and helpful.

Quoted one price, but they tried to charge much higher. I had to cancel.

I don’t know any other way to explain it, but they didn’t explain anything found on my record, so they raised my rates. Another insurance company reached out, sat down, and explained to me what they saw. The information is absolutely inaccurate, and I have to find an attorney to deal with it.

The insurance price changed with no warning or explanation and went up by $50. The claim was handled too lightly, and they basically said my insurance doesn’t cover anything, so I have to pay for my car’s damages myself when someone rear-ended me.

Don't choose Direct Auto! I had to pay extra after a month because their Dynamic Drive App didn't work for European phones and appeared to them as not activated, even though I did activate it. This is frustrating! It also tracks you everywhere, even outside the US, despite an agent assuring me it wouldn't. The price is exorbitant for a foreigner with 10 years of driving experience in Europe. Driving in the US feels more dangerous as rules are often ignored. Charging $2.5k for 6 months of auto insurance feels like extortion! Additionally, you spend 30 minutes to an hour on the phone to set up the insurance. Coming from Europe, I've never seen such a bureaucratic and inefficient system!

Direct Auto would not renew my policy due to proof of residency a year after being with them, even though I provided it and had not moved. Prices were very high and continued to increase with each renewal, even though I had no accidents, tickets, or claims.

You provided me insurance at one rate, I provided a down payment, activated a policy, then before my first month of the policy term, you increased my premium with no rhyme or reason.

It started out good. I had the policy for a year, and the first thing they do for renewal is jack the price up for no reason. I had no tickets, no accidents, everything was the same. I don't understand why for an old hooptie.

They are not responsive. Someone hit me and Vivian didn’t call me back to proceed with the claim until I spoke to a manager. When she called, I couldn’t answer the phone, and when I called back, she still didn’t answer or return my call. Additionally, the payments are outrageous, so I am switching my insurance on the 14th.

I was quoted one price but then billed another.

Terrible! My car is almost older than me, and I’m paying more than for a car that’s only seven years old. Terrible policy, terrible customer service reps who are unhelpful. $15 late fee for being less than a day late.

My original rate was changed three separate times after I switched to Direct Auto due to the lower quote I was originally given, even though nothing changed on my driving report, credit report, etc. They had excuse after excuse over the course of the next 2-3 months about why my rate was going up. On top of that, they would not accept my proof of continuous coverage from my previous company/policy, knowing that you cannot drive a financed vehicle without continuous coverage. I was also told after six months of continuous coverage with Direct Auto, I would qualify to call in and ask for a reduction in my rate. That did not happen either! Needless to say, my experience with Direct Auto was horrible. I shopped around after I was denied the reduction and found insurance one step up from the basic state requirements that I had with Direct Auto, and it was still $200 or so cheaper than what Direct was offering me. I do not recommend them to anyone. Do your due diligence and shop around!

Direct Auto started me at $136 monthly, now it’s $150-160. I want to start again. Not happy.

It keeps going up in price and I'm not sure why.

Very poor because if you are late by 10 days, they cancel your policy. They basically don’t want you to be late at all. Most places allow you to be late by a month and then you pay your insurance along with the late fee. Not here. If you're late, your insurance was due on the third, and you try to pay on the 12th, your insurance is already canceled.

Their grace period isn't very generous, and they just keep raising my monthly payment.

No discounts, high rates, and no changes from year to year. You don’t get benefits for driving less than 50 miles, and you don’t get anything extra from them. It’s kind of sad.

Discount auto is expensive, and only offered liability for $126 a month, a total rip-off.

Direct increases prices to much higher than the quote you see online, and it's false advertising if you ask me because they were the lowest price, but only at the start!

Too expensive, recent rate increase.

I was originally quoted one price, but when I went to finalize, it was double the price.

They changed my premium amount twice within a month. I have a perfect driving record. I would steer clear.

They raise your insurance every 6 months, and not just by a couple of bucks. Mine went up almost $30.

Terrible experience. They canceled my coverage without notification, even though I had paid the policy in full for the year.

I purchased a policy, then when I shopped for cheaper rates, the same company quoted me less than what I have the same policy for now. Also, my rate was increased the first month of coverage without any kind of notice or explanation!

I already have a policy with them and I was checking to see if I could get a cheaper price because I like them. However, the representative told me if I wanted to use the cheaper price, he would make sure it would go up higher than what I'm already paying. They were very rude, and I am looking into a new insurance company.

I found the monthly premium to be $561, but I can get the same policy for $200 elsewhere.

The payment price was good at first, but if you don’t have your account on auto-pay, then the payments increase. I don’t like that because I need my payments to be lower, not higher.

I didn't have any wrecks or DUIs and they keep increasing the prices.

They are charging me for my wife as a driver, and she's never driven a car in her entire life.

I would not recommend them to a friend; their rates are too high.

I pay for my son's insurance, and even with a good driving record, it's $155 a month! I didn't pay nearly that much for High Risk SR-22 insurance through Acceptance.

I paid for 12 months in full in March 2023. On October 13, 2023, my 2002 Cavalier was rear-ended by a 16-wheeler in a hit-and-run, totaling my car. Direct Auto gave me a claim number and then said neither I nor my car was covered. They didn't pay me my balance nor fix my car.

I was quoted online for insurance at $29 a month, but it's actually a lot higher. You misinform potential customers regarding your rates.

I have a flawless driving record, and the vehicle I drive is loaded with features. Paying $600 a month feels excessive. After 6 months, I only received a 10-day grace period, which I find disappointing.

Well, I don’t know how to answer this but to say the following: I got a policy from them and paid my bill late (not my fault), but now that my new bill is due, I received a letter from them stating that on July 7, 2025, they are canceling my insurance due to not showing proof of address. This was dated early June, but I just got it on July 1. So I’m not sure if I should pay my next payment or not. This just makes me feel uncomfortable about them now. But I’m calling them tomorrow morning to see what they say. Either way, my insurance is almost $180.00 a month. I’ve never had any accidents and no tickets, plus I’m almost 60 years old. Very clean driving record!

My quoted price was raised after the policy started.

Their rates go up every month.

They never sent out my policy on paper, so I couldn't have it on hand. The quotes were ridiculously higher than others I've checked—a rip-off!

I got full coverage online, and when I had an accident, they said their systems were down, and I couldn’t log into my account for over 12 hours. When I finally was able to get into my account, it showed I only had liability, and my financed car was not covered.

I'm not sure what happened. I paid for a year, but somehow 4 months in, they canceled my policy without notifying me. I only found out when I received a check and realized I had been driving around without insurance for a whole month. Not cool at all.

My insurance was initially $133. I believe my policy was cancelled, and now the reinstatement fee is $300. That's unreasonable. I'll find another provider.

Too expensive.

After my first payment, they more than doubled my second payment.

My monthly payment increased by over $600 after the first month.

They are raising their prices.

The rates are too high and they do not notify you when prices increase.

My car was damaged in a hit and run. The appraiser, Jay, was very hostile. The collision center did not fix my car correctly. I paid a $1,000 deductible, but my bumper is still not fixed and it's falling off. I'm waiting for it to come off so I can sue both.

It's too expensive for an older car.

My experience was terrible. Initially, I chose coverage with a $500 deductible, and the payment was supposed to be between $67-68. However, I ended up with a $1,000 deductible and a first payment of $99. I was told it was going to be $90, so that amount was also deducted - resulting in two payments, neither of which were returned. When I called customer service, I encountered a rude agent who told me not to send in my photo of where the two payments were taken out because one would be returned - which has never happened. Then, I was asked for documentation of my mortgage account. The whole process has been a mess and I want to cancel, but I haven't called back because I fear I might get another unkind agent who doesn't know how to set up my new policy. I am a very unhappy customer.

This is probably the worst insurance company I have ever dealt with. They offer no discounts for long-term customers and raised my rate for no apparent reason.

It's difficult to speak with someone directly and it's very expensive.

They are dishonest and not a great value. I honestly hope I never have to file a claim because I don't believe they would act in good faith.

Direct Auto doesn't really offer good rates for the coverage you get. I had the bare minimum and the price I paid was higher than it should have been. Whenever I received quotes while looking for a new company, Direct Auto's quote was always lower than what I had been paying. I hope to find a better company that also offers rental coverage at a good price. I'm a senior citizen who barely drives my car and has no tickets or accidents. Shouldn't that count for something? Why does your credit score have anything to do with an insurance policy, especially when I use auto pay? My driving record is what matters, not my credit score. Credit scores aren't based on driving history and they change all the time due to life changes. So, stop basing insurance rates on credit scores. It's not fair to those of us who have a great driving record.

The disclosure of policy restrictions was incorrect.

It's bad to pay a high price for a plan that doesn't offer extensive coverage.

Even though they're not supposed to base it off credit, they directly base it off credit. When they were having a major issue with their computers shutting down, they ran it through my credit nearly 10 times. This affected my quote, which they would not change, and now I'm paying more.

The number in the app doesn't work. When I call a local office, they never answer the phone. They added my parents to my policy without my permission, even though they have their own insurance and policy with a different company.

The transition from Esurance to Direct Auto was very disconcerting, to say the least. However, to be fair, I really did not deal with Direct Auto until I canceled my policy. In this respect, they were very helpful.

It's way too expensive!

The rates are high.