Is Direct Auto A Good Insurance Company? Reviews From Over 1,851 Customers

Reps are always attentive.

The current monthly payment for my car is a little less so far, and I have not been able to find a better rate for the current policy I have right now. But I am hoping that I will find a better insurance company for a better rate.

Easy and quick.

So far, so good. No issues yet!

Easy as signing up for anything on the web, simple and straightforward.

Great! Exceptional customer service by my representative Stephanie D.!

Good overall customer service and availability to answer questions.

I really don’t have a whole lot to say. I’ve been with the company for a couple of years and never had any problems. No tickets, no accidents, so really I’ve had no dealings with Direct Auto other than paying my bill on time. They don’t bother me, and I don’t bother them.

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

It’s the cheapest I can find, so it will have to do. I’m not happy with any insurance company because the rates are too high. My car was stolen once, and now they’ve labeled me as high-risk, so that’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.

It was simple and good value.

Good service.

It's okay. I've just seen cheaper rates.

Compare prices directly on car insurance websites.

I'd tell them to find cheaper options.

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

So far, so good. I'm glad roadside assistance is included with my policy.

Good, except I have to use my phone for GPS once in a while and I'm told I'm using the phone. Otherwise, it's great.

Average still. I became a customer in January, but it took a while before I found someone to talk with. I have since received three quotes for auto insurance, and they were all different.

Fast, friendly, and fabulous!

I wish my insurance was lower.

The lowest rate for full coverage I have found.

A very nice agent helped me set up my account.

It's fast and easy; they'll give you a quote in minutes.

They seem to be good, but they are a bit expensive.

Good Insurance Company

They’re overall focused on 100% customer satisfaction.

Overall great experience.

Billing needs to improve. They stated they can take ACH withdrawal up to 72 hours in advance.

It was great.

I am very satisfied with Direct Auto. They made things very easy online, and I would most definitely tell a friend or family member about it.

They offer great customer service when locating quotes, but they don't offer GAP coverage. Also, hold times are substantially long and you always have to wait to be transferred to a licensed agent twice, which is frustrating and inefficient.

Affordable.

Extremely nice. Great listeners, and helpful employees.

It's too expensive.

Very, very pleasant.

Ask questions. They have the answers.

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.

Great customer service.

Direct Auto is great to deal with. However, we were able to find a reputable insurance company with better coverage for less money.

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

I have received great customer service and would recommend Direct Auto to my family and friends.

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!

Good.

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.

I loved them until my insurance rates increased. People on a fixed income, like myself, can't afford to pay higher premiums. Then, my car was stolen through no fault of my own, but I'm being penalized by my insurance company. This is not good at all, considering the purpose of insurance is to cover such incidents, especially when the premiums are paid on time.

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'm paying way too much and I don't even have full coverage.

They tried to charge me for other drivers in my household even after I supplied their insurance information.

Rates kept rising every new period with no accidents, tickets, or claims.

They're really difficult to reach, and in the 3 months, my rates have gone up! I need to find another insurance company.

While initially offering competitive pricing, Direct has raised my rates considerably. The customer service is overseas, and there is a substantial language barrier, and the connection is terrible. It took me almost 45 minutes to replace a vehicle on my policy. Direct does not have an option to make changes to your policy online. The only thing you can do is purchase a policy online. No customer service options at all. If I had known this, I would not have gone with Direct. I will be changing insurance companies at the end of my policy in June.

I was a couple of days late making a payment, but I made the payment. Then they increased my payments by $150, bringing it up to $598 a month.

Do yourself a favor and just don't. Two months in, they hiked my rates for no reason. I have a signed contract stating what I would pay every month. They are trying to charge me $70 more than that amount per month. I'm ditching them this weekend.

I got a policy and paid for 6 months. One month later, they tried to increase my bill by almost half of what I paid for 6 months, so I canceled. They were supposed to refund the difference, but they have yet to issue a check. Trying to connect with someone in the administration is next to impossible.

Well, I thought I had full coverage because I'm paying a car note, but I found out I'm not, and they didn't tell me. In my opinion, I think I'm paying too much just for liability.

It's not the best for me; they keep going up in price.

Price could be less, but I can't complain.

Direct Auto was great until I actually needed them for a claim process, and then it was a nightmare.

Very disappointed my insurance went up. I have no tickets or traffic violations in my 32 years of driving. So why did my insurance raise by $16 a month?

My renewal rate increased to more than twice the original price.

The price went up incredibly higher than last year's.

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.

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.

They're affordable, but customer service is almost nonexistent. I'd send in two documents in the same email, and they'd claim to have received one of the documents but not the other more important, rate-affecting document.

My experience with Direct Auto is okay, but I still feel that I'm paying too much for my auto insurance.

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 give you a decent quote at first to get you to sign the policy, and then they will increase it drastically within the first month.

Started at $108, then nothing ever since. They raised it to $155. I am trying to restructure my bills, but this does not help.

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!

The monthly cost increased each month instead of staying the same until the end of the premium coverage.

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.

The price changes every other month with no warning.

When I asked to make my payment a little later, the price of my policy went up.

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.

I am very displeased with their app and the ability to update payment information, as it does not allow for changing main payment details.

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

For people with low income and barely getting by, it's either buy groceries or pay for car insurance, so sometimes I have to go hungry. I mean, $140 is high for liability insurance.

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 have only been with the company for a few days. Still a bit on the high side, but lower than my last insurance company after they doubled my premium.

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.

I haven't had any experience with them at all. I have yet to speak to a representative since I've had them. The price is ridiculously high and I'm searching for another insurance company.

I didn’t have any wrecks or a DUI, and they still kept raising the prices.

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

I've been with them for 4 years and have had numerous problems with just paying my bill and keeping it consistent. For every renewal, my payments are always higher. It's been awful.

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

The good thing I can say is they work with you to keep your policy from lapsing due to late payments.

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.

Do not go with DirectAuto. Each policy renewal, they raise rates despite you having no accidents or claims. They will not provide an explanation.

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.

Some customer service representatives are rude and don’t know how to deal with people, but the insurance is good.

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.