Rating: 7.9 / 10 (Very good)
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Founded in 1991 in Nashville, Tennessee, Direct General offers a variety of insurance products, including life and auto policies, as well as related services such as roadside assistance and emergency protection plans. The company specializes in working directly with customers to help determine which coverages best fit their needs and budgets, regardless of their driving or credit history.

How is Direct General rated?


Coverage & Benefits
Pricing and Discounts
Financial Strength
Customer Experience

Overall Rating: 7.9 / 10 (Very good)

Headquartered in Nashville, Tennessee, Direct General has been selling auto and life insurance products through 400 locations across twelve states since 1991. As evidenced by a substantial number of complaints filed against the company's private passenger insurance in 2016, Direct General--although financially stable and solvent--has had some issues regarding payments on auto insurance claims. Despite negative customer feedback, the company remains a solid choice for those seeking affordable high-risk coverages and additional services such as towing and roadside assistance. Overall, the company seems to be among the few non-standard auto insurers with a comprehensive list of coverages and discounts.

Direct General Coverage

Basic Coverage

  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Personal Injury
  • Medical Payments
  • Uninsured/Underinsured Motorist

Additional Coverage

  • Rental Reimbursement
  • Towing & Labor Cost

Coverage & Benefits - 8 / 10

For a non-standard insurer, Direct General boasts one of the most comprehensive auto insurance offers on the market. Besides their standard or basic liability, collision, and medical payments coverages, the company provides additional plans such as their rental reimbursement, towing and roadside assistance, and accidental death policies. Direct General will automatically add their optional AD&D coverage to every online quote, so potential customers are advised to read their auto insurance quotes thoroughly and make any necessary changes before continuing with the application.

Customer Experience

National Association of Insurance Commissioners

NAIC Complaint Ratio 2016
NAIC Total Complaints 2016
*The NAIC Car Insurance complaint ratio (in this case 6.06) is a ratio of the number of complaints a company received to the its total premiums written in a calendar year. The median complaint ratio across all Car Insurance companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.

Customer Ratings

BBB Rating
Number of BBB Positive Reviews
Number of BBB Neutral Reviews
Number of BBB Negative Reviews
Date Collected

Customer Experience - 8 / 10

Direct General Group of Companies has received 3.77 out of 5 stars from the Better Business Bureau, a score based on 15 Customer Reviews and a Rating of A+. It must be mentioned, however, that most of the reviews on the site are negative ones and that the company has also received a fair share of complaints regarding their products and services. The group of companies is not yet accredited by the BBB, and there are few other authoritative sources that may help consumers decide whether Direct General is deserving of such feedback.

Financial Strength

Key Details

Direct General Group of Companies
AM Best Financial Rating

Financial Strength - 7 / 10

A.M. Best has placed the Direct General Group of Companies' financial strength and issuer credit ratings under review with positive implications. This action was brought about by the acquisition of Direct General's parent company, Elara Holdings, by National General Holdings in 2016. Direct General currently holds a B (Fair) financial strength rating with the A.M. Best agency and an issuer credit rating of bb+.
*The above information reflects the financial strength of the underwriter of the Direct General car insurance policies: Direct General Group of Companies.

Pricing & Discounts

Per Mile Pricing Available?


  • Multiple Vehicle
  • Safe Driver
  • Anti-Theft
  • Low Milage
  • Vehicle Safety
  • Homeowner
  • Student
  • Senior
  • Bundled Policy

Additional Discounts

  • Group Savings (unions, etc)

Pricing and Discounts - 8 / 10

Direct General's auto insurance rates are up to par with industry standards, yet they make their policies affordable through an excellent range of discounts and incredibly flexible payment structure that allows customers to choose when to pay and how to do so. The company extends almost every type of discounts available, with the exception of the newly married, hybrid vehicle, and full or automatic payment discounts.

Contact & Additional Information

Homepage URL
Company Phone
(314) 493-7986
Headquarters Address
1281 Murfreesboro Road, Nashville, TN, 37217
Year Founded

Top Rated
10 / 10
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