Car Insurance

Affordable auto insurance is a call, click, or visit away

Every driver is different. So is every car insurance policy. At Direct Auto Insurance, we get it. That's why we offer you choices every step of the way. From affordable coverage options to extra services, great payment plans to money-saving discounts, we're here to help you build the best car insurance policy for your needs. Start with a fast and free car insurance quote online and you'll see! You can also call 1-877-GO-DIRECT or visit your Direct Auto local store to talk with a friendly agent in-person. 

Why Buy Car Insurance?

While car insurance coverage requirements vary by state, almost every state requires some form of liability insurance. It's the law. What's more, the right car insurance coverage can help protect you and your loved ones financially in the event of a car accident, theft, or other covered loss.

Since 1991, Direct Auto has been providing drivers across the country with affordable car insurance and quality services — regardless of their insurance history. No matter the circumstances, Direct Auto has always worked alongside drivers to determine the best policy for their needs, and we're ready to help you, too.

Watch how car insurance could help drivers like Isabel in the video below!

Car Insurance Coverage Options

Get to know our car insurance coverages below and don't hesitate to contact us with any questions. Friendly agents are standing by to walk you through the ins and outs of auto insurance! Read on to learn about the different types of coverages we offer.

LIABILITY: Liability insurance is one of the most basic type of car insurance. You might hear other drivers refer to this family of coverage as "liability only" or "minimum auto insurance." It generally includes Bodily Injury Liability and Property Damage Liability coverages. If you cause an accident, these coverages help pay for the other driver's medical expenses and property damage (but not yours).

COMP & COLLISION: Comprehensive and Collision are usually purchased together. Comprehensive (also referred to as “Other than Collision Coverage”) helps pay for damages to your car if it's stolen or damaged in an event other than a collision, like a storm or contact with an animal. Collision will pay for your car to be repaired or replaced if it hits another object or is hit by a "hit and run" driver. There's a good chance you'll be required to carry Comprehensive and Collision coverage if your car is leased or financed.

MEDICAL PAYMENTS: Medical Payments is an optional coverage that will help pay for medical, hospital, and funeral expenses in the event of an auto accident, no matter who is at fault. 

PERSONAL INJURY PROTECTION: Personal Injury Protection, or PIP, is another coverage that helps pay for certain medical, hospital, and funeral expenses in the event of an auto accident, no matter who is at fault. In some states, Personal Injury Protection is required in addition to your other auto insurance coverage, while other states offer it as optional insurance. PIP coverage is not available in all states.

UNINSURED MOTORIST: Uninsured Motorist Coverage, or UM Coverage, will help pay for your expenses if you're injured in a car accident and the at-fault driver can't be identified, doesn't have liability insurance, or doesn't have enough liability insurance to cover your claim. In some states, Uninsured Motorist Coverage applies only for bodily injuries, in others it is available for property damage as well. In certain states coverage for an “underinsured motorist” (where the at-fault driver has liability insurance but it is not sufficient to cover your damages) is sold as a separate coverage.

RENTAL REIMBURSEMENT: Rental cars aren't always cheap. Rental Reimbursement will help reimburse you for the cost of a rental car if your vehicle can't be driven after an auto accident or other covered loss.

TOWING: If your car breaks down or can't be driven after an accident, Towing Coverage can help cover or reimburse you for emergency towing costs (up to the limit selected).

ACCIDENTAL DEATH: If you were to die as a result of a covered accident, optional Accidental Death Coverage would pay $5,000 to your beneficiaries.

Why Choose Direct for Car Insurance?

Direct Auto isn't your average car insurance company. Our friendly agents work with you to get you the coverage you need at an affordable price — regardless of your insurance history. From low down payments to low monthly payments to multiple car insurance discounts to multiple ways to pay, you really can have it all when you choose Direct Auto. Depending on your situation, that could even mean cheaper, more affordable car insurance. We'll always work to help you get the cheap car insurance with quality coverages you're looking for!

What's more, car insurance companies only give you one way to get in touch; however, we are here for you, which is why we offer customer service online, over the phone, and in-person at more than 400 store locations across the country. When you need us, we're there, and we're ready to talk car insurance prices, SR22s, help with getting the right coverage when your teens start driving, and so much more. We like to think this sets us apart from the other guys!

How Do I Get a Car Insurance Quote?

Ready to see how much you could be saving on car insurance with Direct Auto? You can get a vehicle insurance quote almost anywhere, anytime. It's easy! Get a free car insurance quote online, call 1-877-GO-DIRECT, or visit a Direct Auto location near you. Immediate auto insurance coverage and proof of insurance are a call, click, or visit away!

Here's What Direct Auto Customers Are Saying


"Best car insurance agency ever!"

Stephanie in Waco, TX

"I love the agents here, they are super nice and helped me get a good rate! I picked when I wanted to pay and that was awesome. Thanks Direct for helping me stay legal!"

Joe in Nashville, TN

"The representatives are courteous… and they take the time to treat you as if you are their only customer by making sure your interaction with them is handled to your satisfaction."

Wanda in Kissimmee, FL

"They are very friendly, helpful, and make sure you understand everything about your policy. Glad to have a Direct General policy!"

Rose in High Point, NC

*By the Direct Auto Insurance carrier & agency members of the National General Ins. Grp., Winston-Salem, NC. This article is for general information or entertainment purposes only. Direct General is not responsible or liable for the availability of links to websites or resources, or for any content, advertising, products, services or other materials on or available through these websites or resources or your reliance thereon. Any references to third party rates or products are subject to change without notice. Trademarks are property of their respective owners. Direct General policies, payment plans, and discounts are subject to terms and conditions and may not be available in all states. Rates and Savings, if any, will vary. Costs may vary based on how you buy.