Direct Auto Insurance: Non-Standard Coverage with Mixed Reviews and Competitive Rates

Direct Auto is a subsidiary of Allstate and specializes in non-standard auto insurance coverage, catering primarily to drivers who may have difficulty securing insurance elsewhere due to driving infractions such as DUIs.

While drivers with a clean record might find more competitive rates elsewhere, Direct Auto offers several discount programs that can mitigate premiums for higher-risk drivers. Financially, Direct Auto holds strong stability ratings from AM Best and a favorable complaint ratio from the National Association of Insurance Commissioners, signaling a generally reliable insurer within its niche.

However, customer reviews show mixed satisfaction levels with particular criticism focused on customer service and claims handling processes. Pricing data from Insurify indicates that Direct Auto's liability-only policies average $92 per month, significantly below the national average of $193, while its full coverage policies average $176, which is higher than the national average of $102. The company offers typical basic liability and full coverage options, including state-required SR-22 forms for high-risk drivers. It also provides discounts such as multi-policy, safe driver, good student, and unique programs like a senior discount for safe driving course completion and a homeowner discount tied to where the vehicle is parked.

Usage-based insurance discounts are available through the DynamicDrive program, which track driving behavior for potential savings. Additional coverage options are limited, lacking add-ons like guaranteed asset protection or aftermarket parts coverage, which competitors like Progressive might include.

Availability is limited by state, unlike nationwide insurers such as Geico, which also generally offer lower premiums. Comparatively, Progressive offers extras that Direct Auto does not and may be more suitable for loan or lease holders. Overall, Direct Auto may fit drivers with prior infractions seeking required coverage, but customers with cleaner records or in states where Direct Auto is unavailable should consider other insurers for broader offerings and customer support.