Is Direct Auto Insurance Legit? A Honest Review

An image for illustration of Direct Auto Insurance
Is Direct Auto Insurance Legit? A Honest Review. Direct Auto Insurance is a company that offers car insurance, life insurance, commercial auto insurance, and Mexico insurance. Image Credit: Insurance Blob

But is Direct Auto Insurance legit? How does it compare to other insurance providers, and what are the benefits and drawbacks of using it?

In this article, we will answer these questions and more, based on the latest information and reviews from various sources.

Is Direct Auto Insurance Legit Reddit

Reddit is a popular online platform where users can share and discuss various topics, including insurance.

We searched Reddit for posts and comments about Direct Auto Insurance, and found mixed opinions from customers and former employees.

It has received both negative and positive comments from users.

Is Direct Auto Insurance Full Coverage

Direct Auto Insurance offers full coverage car insurance, which means that it covers both liability and physical damage to your vehicle.

Liability insurance covers claims filed by others if you cause an accident or injury, while physical damage insurance covers damage to your vehicle if you collide with another vehicle or object, or if your vehicle is damaged by fire, theft, vandalism, or other causes.

However, full coverage does not mean unlimited coverage.

Direct Auto Insurance has different coverage options, deductibles, and limits that you can choose from, depending on your budget and needs.

You can also add extra coverage for valuable items, uninsured motorists, personal injury protection, and roadside assistance, for an additional fee.

Direct Auto Insurance Google Reviews

Direct Auto Insurance has received many reviews on Google, both positive and negative, from customers who have used its services.

As of now, Direct Auto Insurance has an average rating of 3.9 out of 5 stars, based on 2,467 reviews.

Some of the common themes that emerge from the reviews are:

  1. Pros: Many customers praise Direct Auto Insurance for its low rates, flexible payments, and multiple discounts. They also appreciate its friendly and helpful customer service and its easy and fast process.
  2. Cons: Some customers complain about Direct Auto Insurance for its poor claims service, hidden fees, and technical issues. They also report that Direct Auto Insurance has low coverage, high deductibles, and low limits and that it will cancel or increase your policy if you have too many claims or violations.

Is Direct Auto Insurance Cheap

Direct Auto Insurance is cheap compared to some other insurance companies, especially if you are a high-risk driver who has a bad driving record, a low credit score, or a previous lapse in coverage.

Direct Auto Insurance offers low rates, super low down payments, and multiple discounts of up to 25%.

However, cheap does not always mean good.

Direct Auto Insurance may have low rates, but it may also have low coverage, which means that you may not be adequately protected in case of an accident.

It may also have hidden fees, such as late payment fees, reinstatement fees, cancellation fees, and policy fees, that can increase your overall cost.

Direct Auto Insurance BBB Rating

Direct Auto Insurance is not accredited by the Better Business Bureau (BBB), which means that it has not met the BBB’s standards for trust, honesty, and responsiveness.

However, Direct Auto Insurance has a B+ rating from the BBB, which means that it has a good reputation and responds to customer complaints.

According to the BBB, Direct Auto Insurance has received 136 complaints in the last 3 years, and 48 complaints in the last 12 months.

Most of the complaints are about problems with the product or service, billing or collection issues, and advertising or sales issues.

Direct Auto Insurance has resolved most of the complaints, either by providing a refund, a credit, an adjustment, or an explanation.

Direct Auto Insurance Lawsuit

It has been involved in several lawsuits in the past, mainly related to its claims handling, its fees, and its business practices. Some of the lawsuits are:

  1. In 2019, Direct Auto Insurance was sued by a customer who claimed that Direct Auto Insurance failed to pay his medical bills after he was injured in a car accident. The customer alleged that Direct Auto Insurance breached its contract and acted in bad faith.
  2. In 2018, Direct Auto Insurance was sued by a former employee who claimed that Direct Auto Insurance discriminated against him based on his race and age. The former employee alleged that Direct Auto Insurance subjected him to a hostile work environment, denied him promotions, and terminated him without cause.
  3. In 2017, Direct Auto Insurance was sued by a group of customers who claimed that Direct Auto Insurance charged them excessive and illegal fees, such as policy fees, late payment fees, reinstatement fees, and cancellation fees. The customers alleged that Direct Auto Insurance violated the consumer protection laws and the insurance laws of several states.

Direct Auto Insurance Phone Number

If you need to contact Direct Auto Insurance for any reason, you can use the following phone number: 1-877-GO-DIRECT (1-877-463-4732)
This is the general customer service number for Direct Auto Insurance, which you can use to ask questions, make changes, or file complaints.

You can also use the chat feature on the Direct Auto Insurance website or app, or send an email to

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