Direct Auto Insurance Reviews

Direct Auto is a rip off. They bait you in with a low rate then triple it before your first bill is due. I was quoted 328.00 a month. 1 week later I get a text that my bill is 1178.00 then get a text again for 785.00 then 1038.00 and they are rude and refuse to fix it. I'm switching and have only been with them 2 weeks. If I could give zero stars I would.

If you are involved in an accident and the other party is at fault with Direct General Auto Insurance you are **. I had video of the accident before, during and after and they wouldn’t pay. It’s not an insurance company. IT'S GARBAGE. Shaq is prostituting himself doing commercials for them. I had to have State Farm fix my car at my expense. Direct General SUCKS. Donna ** is the adjuster for Direct, 10000% useless.

If you want peace of mind and just want to pay your insurance. And be covered and not have to deal with random changes or random cancellations for things that you didn't even do or they're misinterpretation on what you're saying, because there are only foreigners and forgive me, I don't know if that is the reason for the confusion, but to me it seemed like a con. I had them for a short, 2 months and had the worst experience. Two different random types of cancellation for ridiculous reasons. Then, a random upcharge for their misinterpretation of what I was saying to them on the phone.

Stay Away! I canceled my policy (Policy #**) after this company hit me with unexplained rate hikes, a broken app system, and completely incompetent local staff. On June 15, 2026, I noticed my monthly premium suddenly jumped by $24 without a single notification or explanation. To make matters worse, the Direct Auto app showed two completely different amounts due for June: my normal $121 payment and a second charge for $145. Because my regular ACH date was June 13th and the funds hadn't cleared, I immediately tried to pause the automatic payment to find out what was going on. The app blocked me, claiming it was "too late." I went directly to the local Direct Auto branch inside the Walmart on Sparkman Drive in Huntsville, AL, looking for answers.

I thought I had finally found a good insurance company, but I was wrong. Twice they have gone up on my monthly payment. Claiming they couldn't draw the money out of my checking account, when two different times I have had to set it up for automatic withdrawal. They are screwing me every month, so I am going to speak with my attorney today and see about taking this matter before the courts if need be. Because there are many ways a person can be SCAMMED, and I believe this is one of them. NO. I DON'T RECOMMEND DIRECT AUTO INSURANCE COMPANY AT ALL ANYMORE!!! MY PAYMENT was supposed to be $88.00 per month, now it's up to $118.00 a month. And I just know that they will try going up again. That's why I'm going to switch to a different insurance company. Rolonda ** set up my policy, but now I can never reach her by phone or email, so I'm done with this monkey business!!!

So I should have known. It was pretty cheap...I mean, yay! BUT then I got into an accident. No one hurt, but the BMV asks for proof of insurance. I call, jump through all of the hoops. Finally talk to a human and give the sit. "OK, man yes I put that request in." A few minutes later..."ok that is taken care of, anything else?" I double check. So that proof has been sent to the BMV? Absolutely! She says. 3 months later, suspended license. So what I've learned is that if you don't have documentation, it didn't happen.

I have continually had issues with Direct Auto's DynamicDrive. I am IT for the National Guard, and I know how to use phones, computers and apps. Their app is the worst. I have walked through loading, activating and verifying the App works with Direct Auto Customer just to have it read 0 Trips recorded, thus being charged a $30 fee. I received another bill for $69 near the end of the policy, which I called on and they took the fee off, only to receive another bill after I did not renew May 27th, saying I owe them $69. I called today, June 06 to get them to dispute the fee and they said I'd have to prove I was using the App, which I deleted and discontinued in March, this is unacceptable. I network with many many soldiers, civilians and members of various car and bike clubs that I've told how bad the customer service and Apps are. **

I purchased an auto insurance plan from Direct Auto insurance. I had no claims, paid ahead on time always. When I found a cheaper insurance plan with GEICO I called to cancel my plan. There was less than a month left on my direct auto insurance plan I had already paid for in full and the agent did not tell me there was a cancellation fee, and it would be better to let it run its course. So I was surprised to get a bill in the mail! I called their representatives for a few weeks trying to get them to make this right, as there should be no cost for canceling, over those few weeks of trying to find someone to clear this, I got another bill with a late payment fee on the top of the cancellation fee. All the general insurance /direct auto folks could not help me, I even found a number of their collections agents who said they could do nothing. I cannot recommend direct auto insurance to anybody, avoid at all costs.

Refuses to work with us even tho we can't supply proof we moved within 30 days. We couldn't supply that proof till 45 days. So they charged us another months premium even tho we had already canceled. They also didn't tell us till after they automatically drafted our money for that additional month, that we could have easily submitted a simple form and the whole problem could have been avoided.

Ms. Rachel ** is rhe best at what she does. She will go above and Beyond to make sure you get the best rate for your coverage and I want to say thank you so much for everything.. -Garnisha