Our Verdict: Best for High-Risk Drivers Who Need SR-22
- Specializes in high-risk & non-standard drivers
- Accepts drivers with DUIs, accidents, poor credit
- SR-22 and FR-44 filings available
- Non-owner insurance available
- Over 400 physical locations in 16 states
- Same-day coverage possible
- Low down payment options
- Flexible payment plans
Pros
- Only available in 16 states
- Higher rates than standard insurers for clean records
- Not rated by AM Best independently
- B rating from BBB (not A or A+)
- Limited online-only policy management
- Customer service complaints are above average
Cons
Direct Auto Insurance — Key Facts
Founded
1991
Headquarters
Nashville, TN
Parent Company
Direct General Group
States Available
16 states
BBB Rating
B
Phone
1-877-463-4732
SR-22 Filing
✓ Yes
Non-Owner Policy
✓ Yes
Monthly Payment
✓ Available
Online Quote
✓ Yes
Avg Annual Rate
$1,560–$2,880
Locations
400+ offices
Ratings & Scores
How Direct Auto Insurance scores across major industry ratings organizations in 2026.
Direct Auto Insurance's NAIC complaint index of 1.82 means it
receives about 82% more complaints than an average insurer of its
size. This is common for non-standard/high-risk insurers.
Coverage Options
Direct Auto offers standard and optional auto insurance coverages. Here's everything available in 2026.
| Coverage Type | Available | What It Covers | Required? |
|---|---|---|---|
| Bodily Injury Liability | ✓ | Injuries you cause to other people in an accident | Required |
| Property Damage Liability | ✓ | Damage you cause to another person's vehicle or property | Required |
| Collision | ✓ | Damage to your car from collisions with vehicles or objects | Optional |
| Comprehensive | ✓ | Theft, weather, fire, vandalism, animals | Optional |
| Uninsured Motorist | ✓ | Protects you when hit by an uninsured driver | Varies by state |
| Underinsured Motorist | ✓ | When at-fault driver has insufficient coverage | Varies by state |
| Medical Payments (MedPay) | ✓ | Medical bills for you and passengers after an accident | Optional |
| Personal Injury Protection (PIP) | ✓ | Medical, lost wages, rehab regardless of fault (no-fault states) | No-fault states |
| Roadside Assistance | ✓ | Towing, battery jump, flat tire, fuel delivery, lockout | Add-on |
| Rental Car Reimbursement | ✓ | Daily rental car cost while your car is being repaired | Add-on |
| Accidental Death Benefit | ✓ | Death benefit payout to beneficiaries from auto accident | Add-on |
| SR-22 Certificate | ✓ | Proof of insurance for high-risk drivers (DUI, license suspension) | If required |
| FR-44 Certificate | ✓ | Higher liability SR-22 (FL & VA after DUI) | If required |
| Non-Owner Insurance | ✓ | Liability coverage when driving a car you don't own | Optional |
| Gap Insurance | ✗ | Not available through Direct Auto | N/A |
| Usage-Based Insurance | ✗ | No telematics/pay-per-mile program | N/A |
Good to know: Direct Auto is one of the few
insurers that handles SR-22 and FR-44 filings in-house, making the
process faster — usually same-day.
Rates & Sample Premiums 2026
Direct Auto specializes in non-standard auto insurance. Rates vary significantly by driving history, state, vehicle, and credit score.
Average Annual Premiums by Driver Profile
| Driver Profile | Min Annual | Max Annual | Monthly Est. | vs. National Avg |
|---|---|---|---|---|
| Clean record (3+ years) | $1,200 | $1,680 | $100–$140 | +15% higher |
| 1 at-fault accident | $1,560 | $2,160 | $130–$180 | Competitive |
| 1 speeding ticket | $1,440 | $1,920 | $120–$160 | Competitive |
| DUI (1st offense) | $2,160 | $3,360 | $180–$280 | Below average |
| Poor credit score (<580) | $1,800 | $2,880 | $150–$240 | Competitive |
| Young driver (18–25) | $2,040 | $3,600 | $170–$300 | Competitive |
| SR-22 required | $1,680 | $2,760 | $140–$230 | One of lowest |
| Liability only (minimum) | $480 | $960 | $40–$80 | Slightly higher |
Sample Rates by State (Full Coverage, Clean Record)
| State | Annual Premium | Monthly | Vs. State Avg |
|---|---|---|---|
| Florida (FL) | $2,640 | $220 | Below avg |
| Georgia (GA) | $2,160 | $180 | Below avg |
| Texas (TX) | $2,040 | $170 | Above avg |
| North Carolina (NC) | $1,440 | $120 | Slightly above |
| Tennessee (TN) | $1,560 | $130 | Below avg |
| South Carolina (SC) | $1,800 | $150 | Slightly above |
| Louisiana (LA) | $3,000 | $250 | Below avg |
| Mississippi (MS) | $1,680 | $140 | Below avg |
| Alabama (AL) | $1,560 | $130 | Below avg |
| Virginia (VA) | $1,440 | $120 | Slightly above |
| Maryland (MD) | $2,160 | $180 | Above avg |
| Ohio (OH) | $1,320 | $110 | Slightly above |
How to lower your rate: Bundling auto with renters
or life insurance through Direct General, enrolling in auto-pay, and
maintaining continuous coverage history can reduce your premium by
10–25%.
Available Discounts
Direct Auto offers multiple ways to lower your premium. Here's every discount available in 2026.
Multi-Vehicle Discount
Insure 2+ vehicles on the same policy and save up to 10%
Homeowner Discount
Own a home (even if not insured with Direct)? Save up to 5%
Prior Insurance Discount
Had continuous coverage before switching? Save up to 15%
Good Student Discount
Full-time students with 3.0+ GPA save up to 8%
Auto-Pay Discount
Enroll in automatic payments and save up to 5%
Military Discount
Active duty and veterans may qualify for reduced rates
Safety Features Discount
Anti-lock brakes, airbags, and anti-theft devices reduce rates
Paid-in-Full Discount
Pay your 6-month policy upfront and save up to 8%
Bundle Discount
Add life or renters insurance through Direct General and save
Paperless Billing
Go paperless for e-statements and save a small amount monthly
| Discount | Estimated Savings | Who Qualifies | Auto-Applied? |
|---|---|---|---|
| Multi-Vehicle | Up to 10% | 2+ vehicles on policy | ✓ |
| Prior Insurance | Up to 15% | Had previous coverage | ✗ Must request |
| Homeowner | Up to 5% | Own any home | ✗ Must request |
| Good Student | Up to 8% | GPA 3.0+, under 25 | ✗ Must request |
| Auto-Pay | Up to 5% | All policyholders | ✓ On enrollment |
| Paid-in-Full | Up to 8% | All policyholders | ✓ |
| Anti-Theft Device | Up to 5% | Cars with alarm/GPS | ✗ Must request |
| Military | Varies | Active/veterans | ✗ Must request |
State Availability
Direct Auto Insurance is available in 16 states, primarily in the South and Southeast US. They are NOT available in most Northern states.
Alabama (AL)
Arkansas (AR)
Florida (FL)
Georgia (GA)
Kentucky (KY)
Louisiana (LA)
Maryland (MD)
Mississippi (MS)
New Jersey (NJ)
North Carolina (NC)
Ohio (OH)
South Carolina (SC)
Tennessee (TN)
Texas (TX)
Virginia (VA)
Wisconsin (WI)
California (CA)
New York (NY)
Illinois (IL)
Pennsylvania (PA)
Michigan (MI)
Arizona (AZ)
Direct Auto vs. Competitors
How Direct Auto Insurance stacks up against other non-standard and high-risk auto insurers in 2026.
| Feature | Direct Auto | The General | GAINSCO | Dairyland | SafeAuto |
|---|---|---|---|---|---|
| Best For | SR-22, DUI drivers | Budget drivers | TX/FL non-standard | Motorcycle+auto | Minimum coverage |
| SR-22 Filing | ✓ | ✓ | ✓ | ✓ | ✓ |
| States Available | 16 | 46 | 17 | 42 | 24 |
| Avg Annual (clean) | $1,440 | $1,320 | $1,560 | $1,680 | $1,560 |
| Avg Annual (DUI) | $2,160 | $2,280 | $2,400 | $2,520 | $2,640 |
| Physical Offices | 400+ | Online only | Agents only | Agents only | Online only |
| Non-Owner Policy | ✓ | ✓ | ✓ | ✓ | ✗ |
| Online Quote | ✓ | ✓ | ✗ | ✓ | ✓ |
| Mobile App | ✓ | ✓ | ✗ | ✓ | ✗ |
| BBB Rating | B | B+ | A- | A+ | B- |
| Same-Day Coverage | ✓ | ✓ | ✗ | ✓ | ✓ |
| Gap Insurance | ✗ | ✗ | ✗ | ✓ | ✗ |
How to File a Claim
Direct Auto makes it fairly simple to file a claim. Here are all the ways to do it, plus what to expect.
1
Document the Accident
Take photos of all vehicles, damage, license plates, and the
scene. Get the other driver's insurance info, name, and
contact. Get contact info from any witnesses.
2
Report the Claim Immediately
Call 1-800-403-1077 (claims line) 24/7, use
the Direct Auto mobile app, visit any Direct Auto office, or
report online at directauto.com. Don't delay — most policies
require prompt reporting.
3
Claim Assignment
A claims adjuster will be assigned within 1–2 business days.
They'll contact you to gather details and schedule an
inspection if needed.
4
Vehicle Inspection
The adjuster inspects your vehicle (in person or virtually).
They'll estimate repair costs and determine fault based on the
evidence.
5
Repair & Payment
Once approved, you can take your car to any repair shop or one
of Direct's preferred shops. Payment is issued directly to the
shop or to you, minus your deductible.
| Claim Method | Available Hours | Best For |
|---|---|---|
| Phone: 1-800-403-1077 | 24/7 | All claims, fastest option |
| Mobile App | 24/7 | Minor accidents, photo upload |
| Online at directauto.com | 24/7 | Non-urgent claims |
| In-person at any office | Mon–Sat 9am–6pm | Complex claims, face-to-face help |
Phone Numbers & Contact Information
All Direct Auto Insurance contact information in one place — customer service, claims, billing, and more.
Main Customer Service Line
1-877-GO-DIRECT1-877-463-4732
Monday–Friday: 8am–9pm ET | Saturday: 8am–8pm ET
| Sunday: Closed
| Department | Phone Number | Hours (ET) |
|---|---|---|
| Customer Service | 1-877-463-4732 | Mon–Fri 8am–9pm, Sat 8am–8pm |
| Claims (24/7) | 1-800-403-1077 | 24 hours, 7 days |
| Roadside Assistance | 1-877-463-4732 | 24 hours, 7 days |
| Billing & Payments | 1-877-463-4732 | Mon–Fri 8am–9pm, Sat 8am–8pm |
| Policy Changes | 1-877-463-4732 | Mon–Fri 8am–9pm, Sat 8am–8pm |
| SR-22 Department | 1-877-463-4732 | Mon–Fri 8am–6pm |
| TTY/TDD (Hearing Impaired) | 711 | Mon–Fri 8am–9pm |
Other Contact Methods
| Contact Method | Details |
|---|---|
| Website | www.directauto.com |
| Online Quote | directauto.com/get-a-quote |
| Make a Payment | mydirectauto.com |
| Mailing Address | Direct General Corp, PO Box 305153, Nashville, TN 37230 |
| Mobile App (iOS) | Search "Direct Auto Insurance" in App Store |
| Mobile App (Android) | Search "Direct Auto Insurance" in Google Play |
| File a Complaint | Contact your state's Department of Insurance or BBB |
Login, Account & Payments
Manage your Direct Auto policy online through the customer portal or mobile app.
| Feature | Available Online | Available in App |
|---|---|---|
| View policy documents | ✓ | ✓ |
| Make a payment | ✓ | ✓ |
| Set up auto-pay | ✓ | ✓ |
| View ID cards | ✓ | ✓ |
| Print insurance cards | ✓ | ✓ |
| File a claim | ✓ | ✓ |
| Track claim status | ✓ | ✓ |
| Update contact info | ✓ | ✓ |
| Add/remove vehicles | ✗ (call required) | ✗ |
| Change coverage levels | ✗ (call required) | ✗ |
| Roadside assistance request | ✗ | ✓ |
Login URL:
mydirectauto.com
— You can log in with your policy number and email address or create
an account with your policy number.
Payment Options
| Payment Method | Available | Fee |
|---|---|---|
| Credit/Debit Card (online) | ✓ | None |
| Bank Account (ACH) | ✓ | None |
| Auto-Pay | ✓ | None (saves ~5%) |
| Phone Payment | ✓ | May apply |
| Cash (in-office) | ✓ | None |
| MoneyGram/Western Union | ✓ | Transaction fee |
| Check (mail) | ✓ | None |
Customer Complaints & Reviews
What real customers say about Direct Auto Insurance — common complaints and praise across platforms.
| Platform | Score | Reviews | Common Praise | Common Complaints |
|---|---|---|---|---|
| Google Reviews | 3.8/5 | 12,000+ | Helpful local staff, fast quotes | Claims delays, billing issues |
| Trustpilot | 3.5/5 | 2,400+ | Easy signup, affordable | Poor claims communication |
| Consumer Affairs | 3.2/5 | 1,800+ | SR-22 handled quickly | Rate increases, hold times |
| BBB | B | 340 complaints/3 yrs | Resolved most complaints | Billing disputes, cancellations |
| NAIC Complaint Index | 1.82 | Industry data | — | 82% more complaints than avg |
Most Common Complaint Categories
Claims Processing Time
Many customers report slow response after filing claims,
sometimes 1–2 weeks for simple cases
Unexpected Rate Increases
Rates can increase at renewal without a new accident or ticket
— a common complaint
Long Hold Times
Customer service phone lines can have 15–30 minute waits
during peak hours
Billing Errors
Some customers report incorrect charges or difficulty getting
refunds for overpayments
Rate Estimator Calculator
Get a rough estimate of your Direct Auto Insurance monthly premium based on your driver profile.
Customer Reviews
Real customer experiences with Direct Auto Insurance — what people love and what frustrates them.
3.8
★★★★☆
Google · 12,000+ reviews
3.5
★★★½☆
Trustpilot · 2,400+ reviews
3.2
★★★☆☆
Consumer Affairs · 1,800+
B
★★★★☆
BBB · 340 complaints / 3yr
Maria T. — Atlanta, GA
★★★★★
Google · 2 months ago
"Got my SR-22 filed the same day I walked in. The agent was super helpful and didn't make me feel judged about my DUI. Rates were way cheaper than what State Farm quoted me after the incident. Been with them 8 months now and no issues."
SR-22
Good Price
James R. — Memphis, TN
★★★☆☆
Trustpilot · 5 months ago
"The price is good, I'll give them that. But when I had a minor fender-bender, it took almost 3 weeks to get my car into the shop. Couldn't reach my adjuster half the time. Eventually got it sorted but the process was frustrating. Not terrible, not great."
Slow Claims
Good Price
DeShawn M. — Houston, TX
★★★★★
Google · 1 month ago
"I'm 22 with two tickets and every major company wanted $350+ a month. Direct Auto got me full coverage for $178/month. The office on South Main was great — in and out in 30 minutes with same-day coverage. 10/10 would recommend for young drivers."
Affordable
Young Driver
Sandra K. — Jacksonville, FL
★★☆☆☆
Consumer Affairs · 4 months ago
"My rate went up $45/month at renewal with no new tickets or accidents. When I called to ask why, I was put on hold for 25 minutes and then told it was a 'statewide adjustment.' Felt like bait and switch. Shopping around now."
Rate Increase
Poor Service
Carlos V. — Charlotte, NC
★★★★☆
Google · 3 months ago
"Been with Direct Auto for 3 years. Had one accident and the claim was handled within 2 weeks — not lightning fast but OK. The roadside assistance saved me when I had a flat on I-85 at midnight. Staff at the local office are friendly and know their stuff."
Roadside Assist
Friendly Staff
Tamika W. — Baltimore, MD
★★★★☆
Trustpilot · 6 months ago
"Nobody else would insure me after my license suspension. Direct Auto gave me liability coverage and filed my SR-22 quickly. Yes it's expensive but what choice do I have? At least they actually work with people in tough situations instead of just declining."
High-Risk
SR-22 Fast
| Sentiment | % of Reviews | Common Keywords |
|---|---|---|
| ⭐⭐⭐⭐⭐ 5 Star | 38% | affordable, helpful staff, fast, SR-22, easy signup |
| ⭐⭐⭐⭐ 4 Star | 22% | decent rates, ok service, local office, roadside |
| ⭐⭐⭐ 3 Star | 15% | average, could be better, long wait times |
| ⭐⭐ 2 Star | 12% | rate increase, billing issues, slow claims |
| ⭐ 1 Star | 13% | cancellation, rude staff, adjuster unresponsive |
Is Direct Auto Insurance Worth It?
Our final verdict on who should — and shouldn't — choose Direct Auto in 2026.
| Driver Type | Recommended? | Why |
|---|---|---|
| DUI/DWI in past 5 years | Yes — Top Pick | SR-22 same day, competitive DUI rates |
| License suspension / reinstatement | Yes — Top Pick | One of few that accept suspended license history |
| Multiple accidents or tickets | Yes — Recommended | Non-standard specialist, won't turn you away |
| Poor credit score (<580) | Yes — Recommended | Credit score weighted less than standard insurers |
| Young driver (18–24) | Yes — Good Option | Accepts young drivers other companies decline |
| Clean record, good credit | Maybe — Shop Around | You can get better rates at GEICO, Progressive, etc. |
| Outside 16-state coverage area | No — Not Available | Not licensed in most Northern/Western states |
| Need gap insurance | No — Get Dairyland | Direct Auto doesn't offer gap coverage |
Direct Auto QuickPay & Make a Payment
Everything you need to pay your Direct Auto Insurance bill — online, by phone, in person, and via the app.
💡
Direct Auto QuickPay is available 24/7 at
mydirectauto.com or by calling
1-877-463-4732. You do NOT need to log in to make
a payment — use QuickPay with just your policy number.
1
QuickPay Online (No Login Required)
Go to mydirectauto.com → click "Make a
Payment" → enter your policy number and ZIP code → pay with
card or bank account. No account setup needed.
2
Pay by Phone
Call 1-877-463-4732 and follow the automated
payment prompts, or speak to an agent. Payments process within
24 hours. A convenience fee may apply for some card types.
3
Pay In Person (Cash Accepted)
Visit any of the 400+ Direct Auto offices and pay with cash,
check, credit/debit card. Same-day payment processing. Bring
your policy number.
4
Pay via Mobile App
Download the Direct Auto app (iOS or Android) → log in → tap
"Make a Payment" → choose payment method. Bank account
payments are free; card payments may have a small fee.
5
Set Up Auto-Pay (Save 5%)
Log into mydirectauto.com → Account Settings → Automatic
Payments → enter bank account info. Auto-pay enrollees save up
to 5% on their monthly premium and never miss a due date.
| Payment Method | Fee | Processing Time | Available 24/7? |
|---|---|---|---|
| QuickPay online (ACH/bank) | Free | 1 business day | ✓ |
| QuickPay online (debit/credit) | Free | Instant | ✓ |
| Phone payment (automated) | Free | 24 hours | ✓ |
| Phone payment (with agent) | May apply | 24 hours | ✗ |
| In-person (office) | Free | Immediate | ✗ Office hours |
| Auto-Pay (bank account) | Free (+ 5% discount) | Scheduled | ✓ |
| MoneyGram | MoneyGram fee | Same day | ✗ |
| Mail (check) | Free | 5–7 business days | ✓ |
Grace Period & Policy Cancellation
What happens if you miss a payment — and how to cancel your Direct Auto policy if needed.
Does Direct Auto Have a Grace Period?
Yes — Direct Auto offers a grace period of 10–14 days
after your payment due date (varies by state). If you pay within
this window, your coverage remains active with no lapse. After the
grace period, your policy may be cancelled and you'll need to
reapply.
| Grace Period Question | Answer |
|---|---|
| How long is the grace period? | 10–14 days depending on state law |
| Does coverage continue during grace? | Yes — you remain covered |
| What happens after grace period expires? | Policy is cancelled; gap in coverage |
| Late payment fee? | Yes, typically $10–$25 |
| Can you reinstate after cancellation? | Yes, but a new application may be required |
| SR-22 affected by cancellation? | Yes — DMV is notified; license may be suspended |
How to Cancel Direct Auto Insurance
1
Get replacement coverage first
Never cancel without a new policy in place — a lapse in
coverage results in fines and possible license suspension in
most states.
2
Cancel by phone or in person
Call 1-877-463-4732 during business hours or
visit any Direct Auto office. Have your policy number,
effective date of new coverage, and reason for cancellation
ready.
3
Request pro-rated refund
If you paid in advance (6-month or annual), you're entitled to
a refund for unused premium. Processing takes 2–4 weeks by
check or credit card.
Direct Auto Insurance Mobile App
The Direct Auto app lets you manage your policy, make payments, request roadside help, and more from your phone.
| Feature | iOS App | Android App |
|---|---|---|
| View policy & ID cards | ✓ | ✓ |
| Make a payment | ✓ | ✓ |
| File a claim | ✓ | ✓ |
| Track claim status | ✓ | ✓ |
| Request roadside assistance | ✓ | ✓ |
| Upload accident photos | ✓ | ✓ |
| Set up auto-pay | ✓ | ✓ |
| Contact agent | ✓ | ✓ |
| Find nearby offices | ✓ | ✓ |
| App Store Rating | 3.4 / 5 ★ | 3.6 / 5 ★ |
| Reviews | 2,800+ | 15,000+ |
Direct Auto Locations — Major Cities
Direct Auto Insurance has 400+ physical offices across 16 states. Here are the major metro areas with the most locations.
| City | State | Est. Locations | Hours | Phone |
|---|---|---|---|---|
| Jacksonville, FL | Florida | 12+ | Mon–Sat 9am–6pm | 1-877-463-4732 |
| Atlanta, GA | Georgia | 18+ | Mon–Sat 9am–6pm | 1-877-463-4732 |
| San Antonio, TX | Texas | 10+ | Mon–Sat 9am–6pm | 1-877-463-4732 |
| Memphis, TN | Tennessee | 8+ | Mon–Sat 9am–6pm | 1-877-463-4732 |
| Charlotte, NC | North Carolina | 10+ | Mon–Sat 9am–6pm | 1-877-463-4732 |
| Tallahassee, FL | Florida | 5+ | Mon–Sat 9am–6pm | 1-877-463-4732 |
| Gainesville, FL | Florida | 4+ | Mon–Sat 9am–6pm | 1-877-463-4732 |
| Mobile, AL | Alabama | 5+ | Mon–Sat 9am–6pm | 1-877-463-4732 |
| New Orleans, LA | Louisiana | 8+ | Mon–Sat 9am–6pm | 1-877-463-4732 |
| Baltimore, MD | Maryland | 6+ | Mon–Sat 9am–6pm | 1-877-463-4732 |
| Columbus, OH | Ohio | 6+ | Mon–Sat 9am–6pm | 1-877-463-4732 |
| Nashville, TN | Tennessee (HQ) | 10+ | Mon–Sat 9am–6pm | 1-877-463-4732 |
| Greenville, NC | North Carolina | 3+ | Mon–Sat 9am–6pm | 1-877-463-4732 |
| Tampa, FL | Florida | 8+ | Mon–Sat 9am–6pm | 1-877-463-4732 |
| Orlando, FL | Florida | 9+ | Mon–Sat 9am–6pm | 1-877-463-4732 |
Use
directauto.com/find-an-office
to locate the nearest Direct Auto office. Enter your ZIP code to see
exact addresses, hours, and directions.
Direct Auto Insurance — Company Info & NAIC Number
Official company details, NAIC codes, and regulatory information for Direct Auto Insurance.
| Detail | Information |
|---|---|
| Legal Company Name | Direct General Insurance Company |
| Parent Company | Direct General Group / Omni Financial Group |
| NAIC Number | 10111 |
| State of Domicile | Tennessee |
| Founded | 1991 |
| Headquarters | 1281 Murfreesboro Pike, Nashville, TN 37217 |
| Website | directauto.com |
| BBB Accreditation | Yes (since 2009) |
| NAIC Complaint Index | 1.82 (national median = 1.00) |
| AM Best Rating | Not independently rated (subsidiary) |
| Florida Company Code | 11843 |
| License Type | Property & Casualty Insurer |
Direct Auto Motorcycle Insurance
Yes, Direct Auto offers motorcycle insurance in most of their 16 states — here's what you need to know.
| Coverage | Available | Notes |
|---|---|---|
| Bodily Injury Liability | ✓ | Required in all states |
| Property Damage Liability | ✓ | Required in all states |
| Collision | ✓ | Covers bike damage from crashes |
| Comprehensive | ✓ | Theft, weather, fire |
| Uninsured Motorist | ✓ | Available in most states |
| Custom Equipment/Accessories | ✗ | Not offered by Direct Auto |
| SR-22 for motorcycle | ✓ | Available, same process as auto |
| Average monthly rate | $40–$120 | Depends on bike type and record |
Tip: If you need both auto and motorcycle
insurance, bundling both with Direct Auto may qualify you for a
multi-vehicle discount of up to 10%.
Does Direct Auto Offer Renters Insurance?
Short answer: not directly — but you can get renters insurance through their parent company, Direct General.
ℹ️
Direct Auto Insurance (auto) is separate from Direct General's
life and renters products. Renters insurance is available through
Direct General agents at the same office locations.
| Insurance Type | Available at Direct Auto Offices? | Provider |
|---|---|---|
| Auto Insurance | ✓ Yes | Direct Auto Insurance |
| Renters Insurance | ✓ Yes (through agent) | Direct General / partner carriers |
| Life Insurance | ✓ Yes (through agent) | Direct General Life |
| Home/Homeowners | ✗ Not available | — |
| Health Insurance | ✗ Not available | — |
| Motorcycle | ✓ Yes | Direct Auto Insurance |
How to Get a Quote from Direct Auto
Three ways to get a Direct Auto Insurance quote in 2026 — online, by phone, or in person.
| Method | Time | What You Need | Best For |
|---|---|---|---|
|
Online Quote directauto.com/get-a-quote |
5–10 min | Driver's license, vehicle VIN, current insurance info | Quick comparison, no pressure |
|
Phone Quote 1-877-463-4732 |
10–15 min | Same as above + SSN may be required for credit check | Questions, complex situations |
|
In-Person (office) 400+ locations |
20–30 min | Driver's license, vehicle registration, payment method | SR-22, same-day coverage, cash payment |
Information Needed for a Quote
Personal Info
Name, date of birth, address, marital status, occupation
Driver's License
Number, state, issue date. All household drivers included
Vehicle Info
Year, make, model, VIN number, how vehicle is used
Driving History
Accidents, tickets, DUIs in the past 3–5 years
Frequently Asked Questions
Answers to the most common questions about Direct Auto Insurance.
Is Direct Auto Insurance legit?
Yes, Direct Auto Insurance is a legitimate insurer licensed in 16
states. They are part of the Direct General Group, founded in 1991
and headquartered in Nashville, TN. While they have a
higher-than-average NAIC complaint index, they are a real company
that pays claims and is regulated by state insurance departments.
How do I cancel my Direct Auto Insurance policy?
To cancel your Direct Auto policy: (1) Call 1-877-463-4732 during
business hours, (2) Visit any Direct Auto office in person, or (3)
Send a written cancellation request by mail. You'll typically
receive a refund for unused premium within 2–4 weeks. Make sure to
have replacement coverage in place before canceling to avoid a
lapse.
Does Direct Auto offer SR-22 insurance?
Yes — SR-22 is one of Direct Auto's specialties. They file SR-22
certificates on your behalf, usually same-day or within 24 hours.
The SR-22 filing fee is typically $15–$25, and the certificate is
filed electronically with your state's DMV. They also handle FR-44
filings required in Florida and Virginia after a DUI.
What is the Direct Auto Insurance login website?
Log in to your Direct Auto account at
mydirectauto.com. You can use your policy number
and email to log in. From there you can make payments, view ID
cards, download policy documents, and file claims.
How much is Direct Auto Insurance per month?
Monthly rates vary widely. For liability-only coverage, expect
$40–$80/month. For full coverage, rates typically range from
$120–$250/month depending on your state, driving history, vehicle,
and credit score. High-risk drivers with DUIs or multiple
accidents may pay $180–$300/month for full coverage.
Does Direct Auto take payments over the phone?
Yes. Call 1-877-463-4732 to make a payment over the phone with a
credit card, debit card, or bank account. You can also pay in cash
at any Direct Auto office, set up auto-pay online, or pay via
MoneyGram or Western Union at participating retail locations.
Is Direct Auto good for high-risk drivers?
Direct Auto is specifically designed for non-standard and
high-risk drivers — people with DUIs, multiple accidents, license
suspensions, poor credit, or gaps in coverage. They're one of the
better options for these situations, offering competitive rates
and same-day coverage in 16 states.
Does Direct Auto offer roadside assistance?
Yes, roadside assistance is available as an optional add-on. It
covers towing (up to a limited distance), battery jump-starts,
flat tire changes, fuel delivery, and lockout services. Call
1-877-463-4732 or use the mobile app to request roadside help.
What states does Direct Auto operate in?
Direct Auto Insurance is available in 16 states: Alabama,
Arkansas, Florida, Georgia, Kentucky, Louisiana, Maryland,
Mississippi, New Jersey, North Carolina, Ohio, South Carolina,
Tennessee, Texas, Virginia, and Wisconsin. They are NOT available
in California, New York, or most Northern states.
How do I file a complaint against Direct Auto?
You can file a complaint through: (1) BBB at bbb.org, (2) Your
state's Department of Insurance website, (3) NAIC Consumer Portal
at content.naic.org, or (4) Directly with Direct Auto's corporate
office at PO Box 305153, Nashville, TN 37230.