Auto Insurance Review: Direct General Insurance

Direct General Auto Insurance caters to high-risk drivers with competitive rates. However, they have poor scores when dealing with customer satisfaction and billing issues.

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This is an iconCan get a quote from an agent, by phone or online
This is an iconOffers discounts that could save up to 25%, if eligible
This is an iconCompetitive rates for non-standard drivers


This is an iconHigher-than-average complaints compared to the national average
This is an iconOnly offered in 11 states
This is an iconMinimal options for additional coverages compared to other companies
This is an iconPoor scores dealing with billing and general customer concerns

Direct General Auto Insurance caters to those with non-standard auto insurance needs. This company is a good option for drivers who have been turned down by other companies, are considered “high risk,” or who need an SR22 certification. New drivers or those with lower-than-average credit scores may also find a better rate than other car insurance companies when getting a free auto insurance quote to compare. However, their customer satisfaction scores are not the best compared to other non-standard auto companies.

How Does Direct General Insurance Auto Insurance Rate?

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 2-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

Direct General Insurance

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, while Direct General Auto Insurance Company’s score is 2.49, which is over twice the national average.

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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Direct General Insurance Insurance Features

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.

Direct General Insurance Auto Coverage

Even though Direct General Insurance is a non-standard auto company, that doesn’t mean they don’t offer standard coverages. Some coverages, like liability and uninsured/underinsured motorist, are required. Others are optional, like comprehensive, collision, and medical payments. Check out all the coverages offered by this carrier to learn more and decide what’s right for you.

  • Type of Coverage
  • Collision
    Coverage for your vehicle if you are involved in an accident and you are at fault.
  • Personal Injury Protection
    Not available in all states, this coverage is similar to medical payments but can also cover for lost wages due to being injured in an accident.
  • Uninsured
    This required coverage protects you if someone injures you and/or your vehicle and either doesn’t have enough insurance or none at all.
  • Liability
    Required coverage that protects the other person if you damage their property or cause injuries with your covered vehicle(s).
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Optional Insurance Features and Coverage

Direct General Auto Insurance has certain optional coverages that aren’t always available with other car insurance companies, like the Emergency Protection Plan. Optional insurance features, like the ones listed below, can be great add-ons to your auto insurance policies. Choose what you need, like towing and rental reimbursement, and decline what doesn’t work for you.

  • Type of Option
  • Rental Reimbursement
    Get part or all of your rental car costs reimbursed if your vehicle is in the shop due to a covered accident.
  • Roadside Assistance
    Whether you lock yourself out of your car, your battery dies, or you need a tow, Direct Auto Insurance has you covered with this policy.
  • Accidental Death Dismemberment
    If you pass away in an auto accident, your beneficiary will receive $5,000 if you have this coverage.
  • Medical Payments
    Pays for hospitalization, medical, or funeral expenses if you are injured or killed in an accident, no matter who is at fault.
  • Other
    Emergency Protection Plan: This policy is available to help pay for medical costs, accidental death, ambulance and other costs pertaining to an accident. There are also travel discounts provided as well.

Available Discounts on Direct General Insurance Car Insurance Coverage

Direct General Auto Insurance doesn’t have as many discounts available as other standard car insurance companies, but that doesn’t mean you can’t still save. Bundle all eligible discounts to save up to 25% off your auto insurance rates. Check out the table below for the currently available discount options.

  • Type of Discount
  • Safe Driver
    Get this discount after being ticket and accident-free for 36 months (state dependent).
  • Driver Training
    Senior Citizen Discount - For those 55 and older who have completed an accident prevention course.
  • Good Student
    Full-time high school, trade school and college students who are unmarried with a “B” average or higher are eligible.
  • Multi Vehicle
    Insure more than one vehicle to get this discount.
  • Loyalty
    Renew your policy before the renewal date with no lapse in the previous 12 months.
  • Multi Policy
    Bundle your auto with more than one policy to be eligible for this discount.
  • Other
    Prior Coverage Discount - If you’ve been continuously insured for six months with no more than a 90-day lapse (length of time varies by state) you can save. Welcome Back Discount - If you were with Direct General Auto Insurance prior but have not been insured with them in the past six months, you may be eligible for this discount. Affinity Discount - Be affiliated with certain organizations and save even more on your auto insurance.

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.
  • Travel Insurance
    Mexico Auto Insurance: Have plans to drive in Mexico? This policy offers coverage that will protect you in case you’re involved in an accident during your stay.
  • Motorcycle Insurance
    Get coverage for you and your motorcycle including medical payments, liability, comprehensive and collision coverage.
  • Other
    Accident Medical Expense: Whether you’re injured at home, on the job or in an accident, this coverage can help cover unexpected costs or pay the bills.

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 and the National Association of Insurance Commissioners (NAIC) and the Better Business Bureau. Learn more about MoneyGeek’s review methodology here.