Direct Auto Review
The Second Chance Specialist
The Verdict
Direct Auto Insurance (often called Direct General) isn't trying to compete with State Farm for the "perfect driver" demographic. Instead, they specialize in "non-standard" insurance. If you have been rejected by other carriers due to bad credit, a DUI, or a history of lapse in coverage, Direct Auto is often the best place to land. They offer flexible payment plans and don't judge your past.
- Specializes in SR-22 filings
- Accepts drivers with bad credit or no credit
- Flexible payment dates (pick your own date)
- Low down payments
- Higher premiums than standard carriers (expected)
- Lower financial strength rating than giants
- Coverage limits may be lower
What is Non-Standard Insurance?
Non-standard insurance is for drivers who carry higher risk. Direct Auto focuses on this niche by organizing their business around flexibility:
- SR-22 Filing: They will electronically file this certificate with the DMV for you to prove you have insurance (often required after a DUI).
- Cash Payments: One of the few carriers that allows you to pay bills in cash at local kiosks.
Discounts Available
Even though they are a high-risk carrier, they still offer ways to save:
- Prior Coverage Discount: If you haven't let your policy lapse in 6 months.
- Renewal Discount: For staying loyal (up to 20%).
- Safe Driver: If you keep your record clean for 3 years.