Direct Auto Insurance Logo

Direct Auto Insurance

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LAST UPDATED: February 4th, 2021

Founded in 1991, Direct Auto & Life Insurance offers competitive car insurance policies and many discounts. The company makes it easy to communicate online, over the phone, or at one of its locations.

Top Ranked Companies


The Good

  • Standard Coverage Options Available
  • Many Discounts
  • Multiple Communication Options
  • Mexico Car Insurance
  • Commercial Car Insurance
  • Roadside Assistance Membership Option

Standard Coverage Options Available

Direct Auto & Life Insurance offers many of the standard coverages for car insurance:

  • Liability (bodily injury and property damage)
  • Collision
  • Comprehensive
  • Medical payments
  • Personal Injury
  • Uninsured motorist

These offerings make Direct Auto & Life Insurance competitive with other insurers. This variety also allows you to customize your policy. You can also choose payment dates and methods.

In addition to these standard coverage offerings, you can buy rental reimbursement, towing and labor, and accidental death coverage.

Many Discounts

It's common for auto insurers to offer many discounts with their policies. Direct Auto & Life Insurance is no exception.

Direct Auto & Life Insurance offers a range of discounts up to 25 percent:

  • Military discount
  • Safe driver discount
  • Good student discount
  • Senior citizen discount
  • Multi-car discount
  • Mileage discount
  • Multi-policy discount
  • Prior coverage discount (maintaining consistent coverage even if with another company)
  • Homeowner discount
  • Policy renewal discount
  • Welcome back discount (returning to Direct Auto & Life Insurance)
  • Affinity discount (active member of a partnered organization)

Direct Auto & Life Insurance offers an excellent range of discounts and similar discounts to what other insurers offer. It stands out for its prior coverage discount and welcome back discount. These types of discounts are not common for the industry.

Multiple Communication Options

Direct Auto & Life Insurance allows clients to communicate with them according to their preferences. You can recieve quotes online, over the phone, or at one of Direct Auto & Life Insurance's locations.

The company also offers 24/7 claims service. You can file claims online or over the phone.

Mexico Car Insurance

If you're planning a trip to Mexico, Direct Auto & Life Insurance makes getting the car insurance coverage you need easy. It works with MXGA, Inc. to connect clients with policies from Mexico insurers.

Commercial Car Insurance

Direct Auto & Life Insurance also offers commercial auto insurance for fleets or individuals. It covers many kinds of vehicles from cars and trucks to trailers and semis.

Its coverage options include the following:

  • Liability
  • Uninsured and underinsured motorist
  • Medical payments
  • Collision
  • Comprehensive
  • Fire and theft

These commercial policies are underwritten by National General Insurance's member companies.

Roadside Assistance Membership Option

In addition to auto insurance, you can find roadside assistance from Direct Auto & Life Insurance. This service includes 24-hour emergency towing, gas and essential fluid delivery, lockout service, jump starts, and mechanical help. You can also request maps and travel routes.


The Bad

  • Limited Customer Insight
  • Not Available Everywhere
  • Personal Information Required for Quote

Limited Customer Insight

Best Company hasn't received many Direct Auto & Life Insurance reviews. With a low review count, it's difficult to understand the customer experience and assess customer satisfaction.

However, the company offers competitive coverage options and seems dedicated to helping its policyholders.

Not Available Everywhere

Depending on your location, you may not be able to buy auto insurance through Direct Auto & Life Insurance. Fortunately, its online quoting software will direct you to other quote sites if necessary.

Personal Information Required for Quote

If you're getting a quote from Direct Auto & Life Insurance, you'll need to provide personal information. While it can make the quote process longer and may not be ideal if you're just researching, it's common for the industry. The personal information requested before viewing a quote affects the rate quoted.


The Bottom Line

Although more customer reviews are necessary for a full recommendation, Direct Auto & Life Insurance is worth considering. It offers a range of discounts, personal car insurance, and commercial auto insurance. You can also work with the company to purchase Mexico auto insurance.

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