Direct General Auto Insurance Review for 2024

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Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Ty Stewart

Licensed Insurance Agent

Ty Stewart is the founder and CEO of He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications.  As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...

Licensed Insurance Agent

UPDATED: Nov 27, 2023

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In the automotive insurance industry, it isn’t uncommon for larger companies to join forces with smaller ones in order to expand their coverage area and provide better service to their customers. Direct General is no exception to this practice. In recent years, they have joined up with a smaller company called ACE in the Atlanta area. Together, these companies are offering car insurance, motorcycle insurance, life insurance, and more in 12 different southern states.

Direct General Insurance Review

Unfortunately, Direct General doesn’t have the most spotless reputation when it comes to their customer service record. But there are signs that things may be improving. For starters, their rating with the BBB has risen from a B+ to an A+ due to efforts on Direct General’s part to address complaints and settle disputes. Financially speaking, they have also received a “B” rating from the Credit Rating Agency A.M. Best.

Ratings Agency Rating
AM Best Financial Strength Rating (2016) B (Stable)
Better Business Bureau (2016) A+
NAIC Complaint Index (2012) 4.09 (National Median: 1)

Direct General Insurance Discounts

Direct General’s list of available discounts is fairly standard compared to other automotive insurance companies. The amount of money you might be able to save, however, is fairly decent. Some of their discounts, such as their Military Discount or their Multi-Car Discount could save you as much as 25% per discount if you qualify:

Discount Maximum % Savings
Multi-Car Discount 25%
Low Mileage Discount 5%
Prior Coverage Discount 25%
Renewal Discount 20%
Homeowner Discount 15%
Affinity Discount 5%
Multi-Product Discount 5%
Welcome Back Discount 6%
Safe Driver Discount 10%
Military Discount 25%
Good Student Discount 10%
Senior Citizen Discount 5%

(* 2016)

Direct General Auto Insurance Options

If you’re unsure about what type of coverage you need, Direct General offers a convenient online assistant that can help you decide on what coverage to buy, and in what amounts. They will of course offer you the bare minimum amounts and coverage required by your state, and some of the additional options below if you feel you need them:

  • Emergency Protection Coverage – a special coverage package which offers reimbursement for hospital stays, medical expenses, ambulance rides, and legal fees
  • Personal Effects Coverage – provides reimbursement options for damaged or stolen personal effects
  • Rental Coverage – reimbursement for costs associated with renting a vehicle if your car requires repairs or replacement

Comparing Direct General Insurance Quotes

Comparing quotes between companies is important to make sure you’re getting the best possible deal. For a basic insurance policy on a 2014 Honda Accord, you might be able to get quotes from Direct General as low as $34/mo depending on your circumstances:

Direct General Auto Insurance Quote ComparisonLegend: Direct General Married HomeownerPoor CreditSingle RenterImperfect Record 10203040$34$45$41$41

Married Homeowner
Poor Credit
Single Renter
Imperfect Record






Naturally, getting the lowest possible price will depend on your credit history, your driving record, or whether or not you qualify for a discount such as Home Ownership or Safe Driving. The fewer discounts you qualify for and/or the more blemished your record is, the more you might have to pay for your premiums.

Pros and Cons of Direct General Insurance

Pro Con
Emergency Protection Plan provides good coverage compared to their competition Still trying to improve upon customer service complaints
Fewer punitive rate increases for things like poor credit or having violations on your driving record Coverage only available in 12 southern states; not all areas of all states are covered

Getting good insurance coverage can be a challenge – but comparing rates from different companies can help you get a better rate on your premiums. If you live in one of the twelve states where Direct General offers their services, you might be eligible for affordable coverage even if you have poor credit or accidents in your recent history. Just be wary of the fact that that their customer service and financial strength might not be as strong as other companies near you.

Corporate Headquarters
1281 Murfreesboro Road
Nashville, TN 37217-2432

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