Direct Auto vs State Farm Car Insurance

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4.8 Rating

2,700 Reviews

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Last Updated: January 2022

Ratings

Insurify Composite Score

Direct Auto
Not Rated
What is this?

Insurify Composite Score

State Farm
88
What is this?

Insurify Composite Score

Direct Auto VS State Farm
Not Rated
88
What is this?
User Ratings
OptionsDirect Auto State Farm
Rating/Reviews
26 reviews
2,186 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsDirect Auto State Farm
Insurer Website--The rest
Local Agent--About average
Overall Satisfaction--About average
Policy Offerings--About average
Pricing--The rest
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsDirect Auto State Farm
Claim Servicing--About average
Estimation Process--Better than most
First Notice of Loss (FNOL)--About average
Overall Satisfaction--About average
Rental Experience--About average
Repair Process--About average
Settlement--About average
J.D. Power Ratings by Region (out of 1000)
RegionDirect Auto State Farm
California--813 pt
About average
Central--824 pt
About average
Florida--798 pt
The rest
Mid-Atlantic--826 pt
The rest
New England--838 pt
Better than most
New York--820 pt
About average
North Central--840 pt
Better than most
Northwest--817 pt
About average
Southeast--821 pt
About average
Southwest--829 pt
Better than most
Texas--816 pt
The rest
Mobile App Ratings
RegionDirect Auto State Farm
Android--
12,082 Reviews
iOS--
288 Reviews
Financial Ratings
OptionsDirect Auto State Farm
A.M. Best--A++
Moody's--Aa1
Standard & Poor's--AA

Auto Insurance Quotes

For Married Drivers

CityDirect Auto State Farm
Austin--$52
Chicago--$54
Philadelphia--$73
Phoenix--$72
Santa Monica--$81

For Single Drivers

CityDirect Auto State Farm
Austin--$54
Chicago--$54
Philadelphia--$74
Phoenix--$64
Santa Monica--$117

For Male Drivers

CityDirect Auto State Farm
Austin--$52
Chicago--$53
Philadelphia--$72
Phoenix--$63
Santa Monica--$116

For Female Drivers

CityDirect Auto State Farm
Austin--$54
Chicago--$56
Philadelphia--$76
Phoenix--$73
Santa Monica--$83

For Drivers with Speeding Ticket

CityDirect Auto State Farm
Austin--$66
Chicago--$60
Philadelphia--$84
Phoenix--$74
Santa Monica--$187

For Drivers with No Speeding Ticket

CityDirect Auto State Farm
Austin--$50
Chicago--$53
Philadelphia--$73
Phoenix--$67
Santa Monica--$80

For Drivers Age Between 18-40

CityDirect Auto State Farm
Austin--$56
Chicago--$55
Philadelphia--$76
Phoenix--$65
Santa Monica--$132

For Drivers Age Between 40-65

CityDirect Auto State Farm
Austin--$50
Chicago--$51
Philadelphia--$69
Phoenix--$68
Santa Monica--$79

For Drivers Age of 65+

CityDirect Auto State Farm
Austin--$52
Chicago--$62
Philadelphia--$84
Phoenix--$80
Santa Monica--$55

For Drivers with Average Credit

CityDirect Auto State Farm
Austin--$60
Chicago--$62
Philadelphia--$84
Phoenix--$80
Santa Monica--$95

For Drivers with Fair Credit

CityDirect Auto State Farm
Austin--$58
Chicago--$60
Philadelphia--$81
Phoenix--$90
Santa Monica--$81

For Drivers with Good Credit

CityDirect Auto State Farm
Austin--$52
Chicago--$53
Philadelphia--$72
Phoenix--$62
Santa Monica--$89

For Drivers with Excellent Credit

CityDirect Auto State Farm
Austin--$42
Chicago--$43
Philadelphia--$59
Phoenix--$39
Santa Monica--$131

Quotes & Discounts

Discount typeDirect Auto State Farm
MilitaryUp to 25%Varies
Multiple VehicleUp to 25%Up to 20%
Prior carrierUp to 25%--
Provider SwitchUp to 25%--
Policy Update/ExtensionUp to 20%--
Home OwnerUp to 15%Varies
Good DriverUp to 10%Up to 25%
Good StudentUp to 10%Up to 25%
Welcome Back CreditUp to 6%--
Affinity groupUp to 5%--
Low MileageUp to 5%Up to 10%
Multiple PolicyUp to 5%Up to 17%
Senior AdultUp to 5%Varies
Paid in fullVaries--
Accident Free--Up to 15%
Anti-Theft Device--Up to 15%
Anti-lock Brake--Up to 20%
Claims Free Renewal--Varies
Daytime Running Lights--Varies
Defensive Driver--Up to 5%
Driving Habits--Up to 30%
Driving training--Varies
Good Credit--Up to 80%
Loyalty--Varies
Mature driver--Varies
New Car--Up to 40%
Passive Restraint--Up to 40%
Student Away at School--Varies
Travelink--Varies
teenSMART--Up to 15%

Payment Methods

Discount typeDirect Auto State Farm
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit --yes
Cash Payment
yes--
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
yesyes
In Person Payment
yesyes
Mail Payment
yesyes
Mobile App Payments
--yes
Multi-Payment Installment Plans
yes--
Online Payment
yesyes
Pay Through Your Agent
yesyes
Person 2 Person Payment --yes
Phone Payment
yesyes
Prepayment
yes--
Text Payment
yes--

Features and Services

Features and ServicesDirect Auto State Farm
24/7 serviceyesyes
Enhanced towing & substitute coverage--yes
Flexible / convenient paymentsyesyes
Loyalty rewards program--yes
Mobile app--yes
Online account managementyesyes
Policy bundling discounts--yes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesDirect Auto State Farm
Accidental Death, Dismemberment, Disability
yesyes
Antique or Collector Car Insurance
--yes
Emergency Assistance Coverage
--yes
Emergency Lockout Coverage
--yes
Glass Coverage --yes
Mechanical Breakdown Insurance
--yes
Preferred Repair Services
--yes
Rental Reimbursement
yesyes
Ridesharing Coverage
--yes
Roadside Assistance
yesyes

Uber and Lyft driver insurance

  • Direct Auto
  • State Farm
  • Both

SR‌-22 Insurance by State

  • Direct Auto
  • State Farm
  • Both

Compare Insurance Products

ProductDirect Auto State Farm
Personal Articles InsurancePersonal Articles Insurance--yes
ATV InsuranceATV Insurance--yes
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insurance--yes
Business InsuranceBusiness Insurance--yes
Condo InsuranceCondo Insurance--yes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Disability InsuranceDisability Insurance--yes
Farm InsuranceFarm Insurance--yes
Flood InsuranceFlood Insurance--yes
Golf Cart InsuranceGolf Cart Insurance--yes
Health InsuranceHealth Insurance--yes
Home InsuranceHome Insurance--yes
Identity Theft InsuranceIdentity Theft Insurance--yes
Life InsuranceLife Insuranceyesyes
Long-Term Care InsuranceLong-Term Care Insurance--yes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insurance--yes
Renters InsuranceRenters Insurance--yes
Ridesharing InsuranceRidesharing Insurance--yes
RV InsuranceRV Insurance--yes
Snowmobile insuranceSnowmobile insurance--yes
Umbrella InsuranceUmbrella Insurance--yes

User Reviews

  • Direct Auto Reviews
  • State Farm Reviews
3.4
5 Stars
46 %
4 Stars
8 %
3 Stars
12 %
2 Stars
12 %
1 Star
23 %

Most Positive Review

By Patricia
Great price can do everything online but also has local offices

Most Critical Review

By Mike
Upon getting my policy I noticed it did not have comp & coll on it as I was believed it to be & when I wanted it added they said it would be $ 209 a month not the $ 117.53 as I was believed it to be . so I'm still at direct but looking around . I need full coverage below $200.00 a month and direct said they can't do it less then $ 209.00 I'm disabled & on limited monthly income .

All Reviews

Showing 1 - 10 out of 26 Reviews
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Read reviews that mention

Maria
J Yeargain
Miss Mary Williams of in Jacksonville Arkansas assisted us thoroughly she was fantastic and answered all her questions concisely she is a true professional we thank her greatly
Fred
Kevin did an excellent job with my every needs for my son’s insurance.intelligent informative and nice guy.
Amber Lytle
Don’t deal with these people there awful they took out 584.06 in one month when our payment in only 292.03 but they aren’t very friendly and make you jump through hoops to get money back save yourself the heartache and the headache and go somewhere else
Jesse Redmon
To whom this may concern. My name as you can see is Jesse Redmon and I have been a direct auto customer for more than a year now. And today I made a payment by phone to a Jacgueline Smith in Birmingham Ala. And I just want to take the time to Express how much I enjoyed the professional service that I received. Jackie was such a pleasure and professional representative. Please Express my profound thanks to her for a job well done. Thanks so very much, for your time.
Ashley
Great customer service at the location on union ave memphis tn.. Very quick and efficient! Ann was very helpful to me.. Thanks
Jenny
My husband called for a quote. A representative answered and kept calling him " Hon". She seemed confused taking calls and told him she made some mistake on her end. Then the rep asked for my husband's phone number for an immediate call back, but of course never followed through. I sure wouldn't trust this company after that call.
Earl
tonya harding and thatB.H. from Texas Really
Emanuel Escandon
Ms. Claudia Ramirez was very helpful to me in starting my policy. Great customer service, well explained coverage!!! definitely will be referring friends and family over
Billy
Them all right
Showing 1 - 10 out of 26 reviews

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.