How Much Does Direct Auto Car Insurance Cost?

Choosing a car insurance provider can feel overwhelming. If you're considering Direct Auto, understanding its pricing structure will help you determine if it's the right fit. However, we recommend gathering quotes from several providers to ensure you're securing the best deal on your car insurance.

Direct Auto car insurance pricing per month

Direct Auto charges an average of $170 per month for full-coverage car insurance. Drivers who choose minimum liability-only coverage will pay approximately $100.

Keep in mind these are average figures. Your personal rate will depend on multiple factors including age, location, credit score, and driving history. While your Direct Auto quote may look different, these averages provide a useful benchmark for comparing companies.

	Direct Auto average monthly cost	National average monthly cost
Full coverage	$170	$186
Liability-only	$100	$104

Direct Auto's rates versus other car insurance providers

Each company uses different methods to evaluate risk and apply discounts, which can lead to pricing variations. Comparing quotes will show you where Direct Auto stands for your particular circumstances.

Provider	Average monthly full coverage cost	Average monthly liability-only cost
State Farm	$114	$59
Progressive	$182	$106
GEICO	$148	$95
Allstate	$148	$79
USAA	$105	$56
Direct Auto	$170	$100

Direct Auto's rates by age

Age plays a significant role in Direct Auto's pricing model, as it does with most insurers. Car insurance for teen drivers carries the highest costs, with full-coverage premiums averaging $355 per month.

Rates generally decrease as you enter your 20s, with Direct Auto charging an average of $222. Premiums continue declining through your 30s at $171 and your 40s at $156.

The lowest rates typically come in your 50s and 60s, averaging $141 and $128 per month.

Costs may start climbing again in your 70s, reaching an average of $131 monthly. This pattern shows how risk assessment changes across different life stages.

Age group	Direct Auto average monthly full coverage cost	National average monthly cost
Teens	$355	$360
20s	$222	$242
30s	$171	$199
40s	$156	$191
50s	$141	$177
60s	$128	$159
70s	$131	$162

Direct Auto's rates for high-risk drivers

Traffic violations and accidents on your record typically result in higher Direct Auto premiums. High-risk drivers with a speeding ticket can expect to pay around $214 per month on average. An at-fault accident pushes monthly costs to approximately $239.

DUI convictions come with the steepest increases, averaging roughly $252 per month. These numbers reflect standard high-risk pricing, though your actual cost will vary based on the incident's recency and your other risk factors.

Driving record	Direct Auto average monthly full coverage cost	National average monthly cost
Accident	$239	$249
Speeding ticket	$214	$241
DUI	$252	$275

How does your credit score affect your rate with Direct Auto?

Most states allow insurers to use credit scores when calculating rates. The four exceptions are California, Hawaii, Massachusetts, and Michigan.

Where credit matters, Direct Auto adjusts pricing according to your credit tier. Drivers with excellent credit average $151 monthly, while good credit leads to rates near $163.

Those with average credit scores pay around $172 per month. Drivers with poor credit face higher costs, averaging $208 monthly.

These figures demonstrate credit's impact on premiums, though your final rate will also reflect other individual factors.

Credit score	Direct Auto average monthly cost of full coverage	National average monthly cost
Excellent	$151	$164
Good	$163	$179
Average	$172	$194
Poor	$208	$228

FAQs

Is Direct Auto part of a larger insurance company?

Direct Auto operates as a subsidiary within the Allstate family of companies, having been acquired by National General in 2016, which was then purchased by Allstate in 2021. While Direct Auto maintains its own brand identity, independent pricing structure, and customer service approach, it benefits from Allstate's financial stability and resources.

Does Direct Auto specialize in high-risk driver coverage?

Yes, Direct Auto focuses on providing coverage for non-standard and high-risk drivers who might struggle to find affordable policies elsewhere. The company aims to specialize in insuring drivers with DUIs, at-fault accidents, suspended licenses, poor credit, or gaps in coverage. While Direct Auto's rates for minimum coverage could be higher than some standard carriers, they offer competitive full coverage options and accept drivers that many traditional insurers might decline.

Can I use Direct Auto's DynamicDrive program to lower my premium?

Direct Auto offers a telematics program called DynamicDrive that monitors your driving behavior through a smartphone app. You can save up to 10% immediately just by enrolling in the program, with the potential for additional savings based on your driving habits. The app tracks factors like hard braking, speeding, phone handling while driving, and time of day you drive. This program is particularly beneficial for high-risk drivers looking to demonstrate improved driving behavior, though it's not available in all states including California and New York.

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Bottom line

Should you choose Direct Auto as your car insurance company? The most effective approach is comparing quotes from Direct Auto and competing insurers, evaluating both cost and customer service.

Data throughout provided by Insurify.

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