Direct General Auto Insurance Review (2021)

Looking at Direct General auto insurance? They offer auto insurance for all motorists but specialize in coverage for high-risk drivers with tickets, DUIs, and multiple claims.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 4, 2021

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Things to Remember...

  • Direct General is a member of the Direct General Corporation which is a privately owned financial service holding company
  • Direct General works with all types of drivers including those who are classified as high-risk
  • Direct General provides optional protection plans to help clients protect their assets in the event of disaster

Direct General Auto Insurance is a member of the Direct General Corporation. The Direct General Corporation is a financial services holding company that is privately owned.

A holding company buys the stock of another company to give that company the financial ability to offer their clients more services.

The Direct General Corporation has over 400 operating offices spread throughout twelve states via its insurance subsidiaries, however, its corporate office is in Nashville, Tennessee.

Additionally, Direct General is part of National General Holdings Corp., a specialty personal lines insurance holding company.

Just enter your ZIP code in the box above, and you will be able to see a side-by-side auto insurance quote comparison of the top auto insurance providers in your area.

Why People Choose Direct General

Direct Auto Insurance (formerly known as Direct General Insurance) is a company that is willing to work with drivers that a lot of other insurance companies would not be willing to insure. Direct Auto Insurance does not turn away high-risk drivers, and that’s why it’s considered a non-standard auto leader in the U.S

A high-risk driver is someone that has a driving history of accidents or traffic violations that is a higher risk to insure.

A person might also be labeled a high-risk driver if they have previously been dropped by another insurance provider.

Direct General Auto makes a point to work with these high-risk drivers and finds a way to offer them lower rates. Direct General Auto also works with people that have a bad credit rating.

Direct General Auto does not require a credit card or a checking account for its policyholders.

Customers looking for minimum coverage can find affordable rates with Direct Auto car insurance. Even though their rates are not the cheapest, they still offer cheaper rates than the average.

Direct Auto is more expensive than its competitors however policyholders can reduce their costs by completing an accident prevention course, bundling car insurance with life insurance, covering more than one vehicle, or remaining accident-free for at least three years.

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Direct General Auto Insurance Coverage Options

Direct General Auto offers many different types of auto insurance coverage options:

  • Property coverage – provides insurance for any damage to another person’s property that is caused by you in your vehicle.
  • Comprehensive auto coverage – will pay for a loss or damage to your auto that is caused by something other than a collision including theft, vandalism, natural disaster, or fire
  • Uninsured and underinsured motorist coverage – provides protection for when a person that is responsible for an accident does not have adequate insurance coverage causes injury to you or your passengers and damage to your car
  • Rental reimbursement coverage – helps to pay for a rental car when the insured vehicle has been damaged by an accident that is covered by your insurance
  • Towing insurance coverage – will pay for any expenses incurred when your vehicle has to be towed because it can not be driven
  • Accidental death coverage – is an optional coverage that will pay $5,000 as a death benefit to your chosen beneficiaries if you die as a result of a covered accident

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Direct General Additional Protection Options

Direct General Auto Insurance also offers optional protection plans to protect you against unforeseen circumstances.

The Direct General emergency protection plan, also known as EPP, will pay for miscellaneous expenses after an accident or breakdown including medical fees, ambulance assistance, and payment for damage to personal effects.

For certain cases, an emergency protection plan will even pay for emergency cash and rental reimbursement.

Direct General also offers a term life insurance policy. The Direct General term life insurance policy requires no medical examination and flexible payment options.

The Direct General term life insurance policy offers up to $25,000 worth of coverage. With this Direct General term life insurance policy you are guaranteed renewal for two additional terms.

Direct General Customized Payment Plan

As a way to make your Direct General Auto insurance policy fit perfectly into your life and schedule, the company gives you the option to choose your payment date.

First, you choose your payment date. By choosing your payment date you will always know that your car insurance payment will not be a surprise for your budget.

Next, you will choose your payment schedule. You can choose to pay your insurance premium monthly or in one single payment.

If you do decide to pay per month, you can then make the decision if you want to make a larger payment on your insurance premium up front.

By making a larger payment at the beginning of your auto insurance term you will have lower monthly payments throughout.

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Direct General Motorcycle Insurance Coverage

Direct General Auto also provides insurance for motorcycle owners. The types of motorcycle insurance options that Direct General Auto offers are:

  • Bodily injury liability
  • Property damage coverage
  • Comprehensive and collision coverage
  • Motorcycle guest passenger liability
  • Personal injury protection
  • Medical payments coverage
  • Motorcycle replacement coverage
  • Coverage for equipment, custom parts, and accessories

Don’t get caught up in the ordeal of shopping for auto insurance. Let us do the hard part for you.

Our side-by-side auto insurance quote comparison is easy to read and understand. This comparison lets you see the rates of the top auto insurance providers in your area.

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