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Direct General Insurance Auto Insurance Review: Quotes and Service (2024)

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Updated: December 28, 2023

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checkmarkOffers a wide array of discounts, including bundling, good student, multiple car and safe driving discounts
checkmarkProvides add-on coverages such as roadside assistance, rental car and travel reimbursement


closeDoesn’t offer new car or better car replacement coverage
closeHas higher than average customer complaints


Direct General has a customer satisfaction score that is above average. It also has an average complaints rate, which makes it a decent customer service provider.

MoneyGeek scored the cheapest car insurance providers plus the best carriers to provide you with more information about Direct General and other available car insurance providers in the U.S.

You can use MoneyGeek’s analysis tool to compare Direct General with other insurance carriers in the state.

How Does Direct General Insurance Rank for Customer Service?

Organizations like the Better Business Bureau (BBB), the National Association of Insurance Commissioners (NAIC), and AM Best use different criteria to rate auto insurance companies. Using these metrics, consumers can decide if they want to work with a particular car insurance company. Direct General Auto Insurance struggles with quality customer satisfaction, as shown by their NAIC score, even with a higher-than-average BBB rating.

Customer Satisfaction Rating

Direct General Auto Insurance has an A+ rating with the BBB, however, the recent customer satisfaction reviews are two-stars or worse. It seems that Direct General could improve their customer support, which may be something to consider when getting a quote for car insurance to compare to other auto companies.

Customer Complaint Ratio

The National Association of Insurance Commissioners created a customer complaint ratio, which helps determine customer satisfaction with their car insurance company. The national median is 1.00, while Direct General Auto Insurance Company’s score is 2.49, which is over twice the national average.

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Discounts Offered by Direct General Insurance That Can Help You Save

Direct General offers a wide array of discounts that make its policies more affordable. The company provides some of the most common discounts, including multiple car, bundling, safe driving and good student discounts. Additionally, the company offers military, senior driver and other discounts that may not be available with other insurers.

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Note: The cost of car insurance is highly personalized and varies from driver to driver. Auto insurance companies weigh several factors when considering your rate, including age, driving record, address, the type of car you drive and more. The MoneyGeek calculator estimates how much you could pay for car insurance, without entering your personal information. The estimator can help you decide if it's time to switch car insurance companies or find a provider that fits your needs and budget.

Does Direct General Insurance Offer Broad or Unique Coverage?

Like other insurers, Direct General also provides standard coverage options like liability insurance as well as full coverage car insurance. If you get a policy from the insurer, you will also have the opportunity to purchase additional coverage such as roadside assistance, rental car insurance and travel reimbursement coverage. However, the insurer does not provide other common add-on options such as new car or better car replacement and accident forgiveness coverages.

Direct General does not offer any unique coverages like rideshare insurance or original equipment manufacturer coverage.

What Online Auto Insurance Tools Does Direct General Insurance Offer?

There are lots of ways to contact Direct General Insurance for customer support, including over the phone, by text or online. Claims are filed over the phone, even if you have a local agent. Optional features for auto insurance policies allow you to modify the coverages to meet your personal needs.

  • Type of Feature
  • Online Bill Pay
    Set up an account to view and pay your bill, view and sign documents, and make changes or updates to your policy online when it’s convenient for you.
  • Payment Options
    Pay by e-check, credit or debit card online or by text.

Other Direct General Insurance Insurance Products

Bundling multiple policies can sometimes get you the best rate for auto insurance. Direct General Auto Insurance also provides renters, life and motorcycle insurance. For those traveling to Mexico, their auto insurance coverage for this area might be just what you need.

  • Type of Product
  • Homeowners Insurance
    Insure your car with Direct General Auto Insurance and get this discount if you own a home or condo.
  • Renters Insurance
    Provides protection for your personal property, liability and additional expenses if you are displaced after a covered claim.
  • Life Insurance
    Get temporary coverage (renewable for two years) up to $25,000 with no medical exam.
  • Business Insurance
    This policy is perfect for business owners; it doesn’t matter if you have just one commercial vehicle or a whole fleet.
  • Health Insurance
    Medicare: Policy options for Medicare Parts A, C, D and supplemental are available through this insurance carrier.

Financial Strength

AM Best's Financial Strength Rating is a grading scale that determines how easily a company can pay its policyholder’s claims. While this is not a warranty or guarantee, it can help you decide which car insurance company to choose when you compare auto quotes. Direct General Auto Insurance received an A- rating, which means they are stable and should have an excellent chance of paying claims.

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Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

How to Make a Car Insurance Claim With Direct General Insurance

To make a car insurance claim after you’ve been involved in an accident, you’ll call the toll-free number listed below. Press 2 to report a new claim or 3 to track an existing claim. Their claims office is open from 8:00 a.m. to 5:00 p.m. EST Monday through Friday. You’ll need to provide information to start a new claim: your name, policy number, information for all the people in your vehicle at the time of the accident, vehicle information, police report number and information on the other driver(s) and vehicle(s) involved. The claims representative will give you a unique claim number to use throughout the process.

Contact Direct General Insurance Car Insurance

Methodology and Assumptions

To evaluate and review auto insurance companies, MoneyGeek carefully weighs factors such as price, financial strength, policy features, customer satisfaction, service and other leading indicators. MoneyGeek also references publicly available data from industry leaders such as J.D. Power, AM Best, the National Association of Insurance Commissioners (NAIC) and the Better Business Bureau. Learn more about MoneyGeek’s review methodology here.