Save up to 75% on car insurance
Cheapest Rates from
Start Here
Enter your zip code

Direct General Auto Insurance Review

Monday, 09 December 2013 18:21

Direct General offers auto insurance in 13 states and markets its auto insurance products to high risk drivers who may have trouble getting coverage from other providers at an affordable rate. It offers flexible down payment options to be an attractive option for drivers who need insurance but may have a poor driving record or less than perfect credit. The company has been the subject of some negative reviews regarding various problems with customer support and claims. There are multiple coverage options offered including a roadside assistance program and emergency protection program.

Company Background Information

Direct General is an insurance company based out of Nashville, Tennessee that sells insurance to high risk and standard drivers in 13 states at over 420 locations. Direct General does not provide much information about its background on its website but mentions that it works with customers to keep rates low in spite of their driving background or credit history. Direct General focuses its marketing efforts on high risk drivers. The company received a “B” (Fair) rating from A.M. Best which is a bit lower than many other insurance companies.

Direct General

Pros of Direct General Auto Insurance

  • May be a good choice for drivers who cannot get insurance elsewhere
  • Multiple auto coverage options offered

Cons of Direct General Auto Insurance

  • Average A.M. Best Rating
  • Multiple negative reviews online


There is not much information about available discounts on the company website, but more information on the discounts that are offered can be found by calling them.

Types of Insurance Offered

Direct General sells the follow types of auto coverage along with additional types of coverage like motorcycle, roadside assistance, life insurance, emergency protection and more:

  • Bodily injury liability
  • Property damage liability
  • Collision and comprehensive coverage
  • Personal injury
  • Uninsured motorist
  • Medical payments coverage
  • Accidental death – up to $5,000 is paid if a covered person dies in an automobile accident
  • Roadside assistance – offers assistance with roadside problems that may require towing, locksmith services, jump start services, or other roadside help. There is also a theft mapping and reward service offered as a part of this package.
  • Emergency protection plan – offers reimbursement for various miscellaneous emergency expenses such as ambulance fees, medical costs, personal items, and various other things. This coverage varies from one state to another.
  • Rental reimbursement
  • Towing

For auto insurance, customers can choose their payment date and plan their payment schedule so that it works for their unique financial situation. Customers can also actually decide on their monthly payment to some extent with flexible down payment options.

Direct General


The website is modern, clean and well designed. There are details on the different types of auto coverage offered as well as some of the unique benefits of Direct General. Quotes can be obtained directly from the website. Customers can renew their policy directly online and they can make a payment online as well. Claims cannot be reported from the website, but there is information on how to report and check claims on the phone.

Customer Reviews

Customer reviews of Direct General online were generally negative, with customers complaining about problems with claims processing, extra charges, failure to pay certain bills, difficulties getting reimbursed for costs, claims delays and various other problems. There are a substantial number of negative reviews of the company.

Direct General


Direct General may be worth a look for some auto insurance shoppers who may have had trouble getting insured elsewhere, but some of the negative reviews and complaints of the company should be taken into consideration before getting a quote. You can get a quote now from multiple insurance providers just by entering your zip code in the form on this page.

Compare Quotes and Save Hundreds a Year on Car Insurance

The easiest way to make sure that you are getting the best rates is to ask for quotes from different insurance companies. Get started comparing quotes now!

Zip Code
Need a quote?
Enter your zip code - It's fast, free and easy!