Direct Auto InsuranceReviews of directauto.com

Stay Away! I canceled my policy (Policy #2042639168) 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. The representative there was incredibly rude, unprofessional, and entirely missed the point. He tried to claim my premium went up because I stopped the automatic payment—which makes no sense, considering I only tried to stop it after the price had already increased.Tired of the runaround and the terrible service, I called corporate on June 16th and canceled my policy. Direct Auto deducted $154 from my bank account, but they are only offering a pathetic $45 refund.This company operates on deceptive pricing, glitchy apps, and awful customer care. Do not trust them with your hard-earned money. Look elsewhere for insurance.

Horrible company. Thought i was getting Allstate until the payment went through at time of purchase. Turns out it was these guys. After 3 days they canceled my policy due to not providing proof of residency. They wanted my rental policy as proof. They held my rental policy. After they corrected that, a year later they now won't renew because my address they see on line is in another state OR our Driver's licenses MUST BE suspended. They are not! And the address they see on line is the one I moved from last year after being there 10 years. That information doesn't just disappear! Where they messed up is I'm lazy and didn't want to hunt for new insurance. But thanks to their incompetence I am now saving $150 per month! HOW STUPID ARE THEY? I KNEW I WAS OVER PAYING BUT DIDN'T WANT TO HUNT... THAT WAS EASY MONEY FOR THEM! But thank you better coverage for cheaper elsewhere.

My wife was involved in a minor parking lot fender bender on May 30. When we reported the claim, we were told someone would contact us within approximately 24 hours. Today is June 12, and we still have not received a call regarding the status of the claim. We were provided a claim number and assigned a claims representative, but multiple calls and messages have gone unanswered. We were then given the supervisor's name and contact information, yet those calls have also not been returned. I understand that claims can take time to process, but basic communication and customer service should not. The lack of follow-up and responsiveness has been extremely frustrating. At this point, we are simply looking for an update and someone to return our calls. I hope Direct Auto reviews this situation and improves its communication with policyholders during the claims process.

I had a policy with Direct Auto for months, but when I bought a new vehicle, they jacked up my premiums to an unaffordable rate. Naturally, I shopped around and found a much better price elsewhere. When I canceled my policy because of their price hike, they hit me with an early cancellation fee. To make matters worse, they have now sent me a letter threatening to send the account to collections over this fee. It is incredibly frustrating to be penalized and threatened with collections for taking your business elsewhere when the provider is the one who priced you out in the first place. Be aware if you sign up with them: if you buy a new car and can't afford their new rates, they will slap you with a penalty just to leave and aggressively pursue it. Unfair billing practices, predatory collections tactics, and zero loyalty to customers in good standing. Will not recommend.

5 hours for a tow is ridiculous

One of the worst insurance companies I've ever known. Each time my payment was due, they didn't draw it from my checking account like they were suppose to. And charged my late fees for paying it on the day it was due to be payed. How the hell is that freaking late? All they do is COME UP WITH EXCUSES FOR JACKING UP YOUR PAYMENTS!!!!!!! WORST INSURANCE COMPANY EVER!!! I WOULDN'T RECOMMEND THEM IF THEY WERE THE ONLY INSURANCE COMPANY IN THE WORLD!!! MY PAYMENTS WENT FROM $88.00 PER MONTH TO $118.00 BY MY SECOND MONTH WITH THEM. IF YOU NEED CAR INSURANCE TRY ALLSTATE, BUT NOT THIS BUNCH OF CROOKS, THEY ARE SCAMMERS TRYING TO TAKE ADVANTAGE OF PEOPLE ON FIXED INCOMES. PISS ON DIRECT AUTO INSURANCE!!!!

Pure trash. It took the adjuster over 2 weeks to contact me. Do not get them.

Worst car insurance company ever they steal and them say oh we didn't know we charged you twice for 2 months I was charged twice then called to get either credit towards my next bill they said we don't see what you see but my bank account shows different if I could give negative 1 I would