Direct Auto Insurance Reviews

I am extremely disappointed with my experience with Direct Auto Insurance. My policy was canceled on August 13, 2026, yet a payment of $192.29 was still processed on August 25, 2026. Trying to get clear answers about why I was charged after my policy was canceled and when I would receive my refund has been frustrating. Customers should not have to chase a company for answers or worry about money being taken from their account after their policy has already been canceled. The communication and handling of this situation have been very disappointing. Based on my experience, I would not recommend Direct Auto Insurance. I hope the company improves its billing practices and customer service so other customers do not have to go through the same situation.

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

I spoke with Elisha ** from Tennessee today & she was wonderful!! Made sure I got the best deals & explained everything so well. I really did appreciate her time. She made it easy because I definitely was nervous.

I started my policy on January 20 and submitted all required documentation the same day. I received confirmation and the policy was issued. A week later, my rate increased because I had not yet used the dynamic drive app. I explained that the vehicle had just been purchased from an auction and was still in the shop. After clarification, they credited the account and adjusted the rate back. Shortly after that, I received an email stating they had not received prior insurance documentation despite the fact that it had already been submitted on January 20. I had to speak with four different customer service representatives before they finally located the documents. I was told the rate would be corrected back to the agreed amount. Two weeks passed and nothing was adjusted.

Just want to say thank you for not helping me. I’ve been sitting on the highway waiting for a call back because my car is disabled. You’ve not called me back. I’ve been been sitting on the side of the highway for 2 1/2 hours. Finally the highway patrol took me to a service station so I could get help. You are the worst insurance company I’ve ever had. Thanks for the callback that I never ever received. Thank you so much. Worst insurance company ever ever ever.

I want to thank Ms Bridget in Shelbyville TN for her help with my policy. She was very knowledgeable and helpful. I reach out to her last minute but she help me with it. She ask very important questions I didn't know about but it was helpful.

If I could leave zero or negative stars I would. As a business owner, I know how important good reviews are. I also know that a bad review can majorly hurt a company, so I virtually never resort to doing so. Direct Auto, however, has earned every single word of this review. If you are considering using them, I would STRONGLY advise you not to, allow me to explain why. I've used them for a few years now, first year there was a small issue with the renewal process, but it wasn't too bad and I was made aware of it in advance. The last 2 years though, when it has come time they have stopped taking the auto-pay out of my account, and only informed me AFTER my policy was overdue and in cancellation status.

Direct Auto Insurance is the worst I’ve ever experienced. A complete scam.. They take your money every month but when it’s time to file a claim no one will ever answer your calls, emails, or return your call. Be aware of this scam and never purchase any kind of insurance from this company. Very unprofessional.

The worst insurance company I've ever dealt with. Customer service is a total joke. Took one of my cars off my policy and they didn't give me any discount on my rate. I was on the phone for over an hour, repeatedly put on hold because no could figure out my bill. While I was on hold I went online to Geico, got a better policy for half of what Direct wanted me to pay!!! I was happy to say goodbye to this ridiculous company.

Title: They added the guy who wrecked my car to my policy—without my permission. Review: This is about Direct Auto Insurance on Murfreesboro Pike in Nashville, but it reflects a bigger issue with how this company operates. After my vehicle was wrecked by someone else, I filed a claim with Direct Auto (Claim #**). Instead of helping me, they added the driver who wrecked my car to my policy without asking me. I never gave permission for this. I found out through a policy change notice, not even a phone call. It took multiple calls and way too much time to get that unauthorized driver removed. In the end, my policy was canceled.