Direct Auto Insurance

Direct Auto Insurance sells nonstandard car insurance in Florida. Its policies come from Direct General. That is part of National General. Allstate owns it.

You can find it on our list of Florida auto insurance companies. Its Florida company code is 02876 and its NAIC number is 42781.

Taking new policiesChecked Oct 19 Auto

Is Direct Auto leaving Florida? No. It still sells car insurance in the state. On Sept 9, 2026, Demotech affirmed the rating of Direct General Insurance Company. As of Oct 19, 2026. Source: directauto.com.

By , updated

Did your Direct Auto Insurance renewal go up?

A licensed Florida agent shops other companies for you. It is free and takes about 5 minutes.

or call (727) 997-5999

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New policies

Taking new policies

As of Oct 19, 2026

Policies in force

Not available

No count on file

Latest rate change

Not available

No rate change on file

Financial strength

A'' (Unsurpassed)

From Demotech, as of Oct 20, 2026

Complaints

0.75

NAIC index, 2025. 1.00 is average.

Can I get a policy?

We're still gathering this company's rules. Call and we'll check for you.

Talk to a licensed agent (727) 997-5999

Did your Direct Auto Insurance renewal go up?

A Direct Auto Insurance agent can only quote Direct Auto Insurance. An independent agent checks 80+ companies for you at every renewal. It's a 5 minute call.

Talk to a licensed agent (727) 997-5999

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Before you call, see the Florida home insurance renewal checklist.

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What's changed recently

  1. Demotech affirms A Double Prime for the Direct firms

    On September 9, 2026, Demotech affirmed a rating of A'' (Unsurpassed). That is its Financial Stability Rating. The rating is for two firms. One is Direct General Insurance Company. The other is Direct Insurance Company.

See every Direct Auto Insurance update

Rate history

No rate filings tracked yet.

Want your Direct Auto Insurance renewal shopped?

A licensed Florida agent shops other companies for you. It is free and takes about 5 minutes.

or call (727) 997-5999

Free. No junk mail. No spam calls.

36 years in Florida

In Florida since 1990. Has paid claims through 22 hurricanes.

19901995200020052010201520202025 Andrew (1992 , Category 5 at Florida landfall) Andrew Cat 5 Erin (1995 , Category 2 at Florida landfall) Erin Cat 2 Opal (1995 , Category 3 at Florida landfall) Opal Cat 3 Earl (1998 , Category 1 at Florida landfall) Earl Cat 1 Georges (1998 , Category 2 at Florida landfall) Georges Cat 2 Irene (1999 , Category 1 at Florida landfall) Irene Cat 1 Charley (2004 , Category 4 at Florida landfall) Charley Cat 4 Frances (2004 , Category 2 at Florida landfall) Frances Cat 2 Ivan (2004 ) Ivan Jeanne (2004 , Category 3 at Florida landfall) Jeanne Cat 3 Dennis (2005 , Category 3 at Florida landfall) Dennis Cat 3 Wilma (2005 , Category 3 at Florida landfall) Wilma Cat 3 Matthew (2016 ) Matthew Irma (2017 , Category 4 at Florida landfall) Irma Cat 4 Michael (2018 , Category 5 at Florida landfall) Michael Cat 5 Ian (2022 , Category 4 at Florida landfall) Ian Cat 4 Nicole (2022 , Category 1 at Florida landfall) Nicole Cat 1 Idalia (2023 , Category 3 at Florida landfall) Idalia Cat 3 Debby (2024 , Category 1 at Florida landfall) Debby Cat 1 Helene (2024 , Category 4 at Florida landfall) Helene Cat 4 Milton (2024 , Category 3 at Florida landfall) Milton Cat 3 Isaías (2026 , Category 2 at Florida landfall) Isaías Cat 2

Compare Direct Auto Insurance side by side

Direct Auto Insurance side by side with State Farm and USAA
Direct Auto Insurance State Farm USAA
New policies Taking new policies Checked Oct 19, 2026 Taking new policies Checked Oct 19, 2026 Taking some new policies Checked Oct 19, 2026
Florida policies Not available 654,641 Florida OIR, Jul 31, 2026 338,547 Florida OIR, Jul 31, 2026
Latest rate change Not available +0.8% Home, from Jan 15, 2026 Not available
Complaint index 0.75 NAIC, 2025, nationwide, private passenger auto. 1.00 is average. 0.63 NAIC, 2025, nationwide, homeowners. 1.00 is average. 0.83 NAIC, 2025, nationwide, private passenger auto. 1.00 is average.
Financial rating A'' (Unsurpassed) Demotech, Oct 20, 2026 A- (Excellent) AM Best A++ (Superior) AM Best
In Florida since 1990 1934 1958

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Questions people ask about Direct Auto Insurance

Who owns Direct Auto Insurance?Direct Auto is part of National General.

That firm is owned by Allstate. Two insurers are behind the brand. You can find both on Florida's active company list. One is Direct General Insurance Company. The other one is Direct National Insurance Company.

Source: OIR company search, read Oct 10, 2026

Is Direct Auto Insurance a good company?Demotech gives Direct General Insurance Company its top Financial Stability Rating, A Double Prime.

It was affirmed Sept 9, 2026. The public pages read for this profile showed no AM Best rating for the company.

Source: Demotech company pages, read October 9, 2026

Is Direct Auto the same as Direct General?Yes in practice.

Direct Auto Insurance is the brand name. Direct General Insurance Company is the licensed insurer behind it. Your policy papers show the legal name of the company. The website uses the name Direct Auto.

Source: Demotech company pages for Direct General Insurance Company and Direct Insurance Company, read October 9, 2026

Is Direct Auto the same as National General or Allstate?Direct Auto is a separate brand in the same family.

National General is an Allstate affiliate. The Direct firms sit under it. Allstate agents, National General and Direct Auto each sell their own policies. So a Direct Auto policy is not an Allstate one.

Source: Allstate underwriting companies page, read October 9, 2026; Demotech ratings grid group names, read October 9, 2026

What is the Direct Auto claims phone number?Call 800-403-1077.

Press 1 for an existing claim or 2 for a new claim. Customer service is 877-463-4732, also written 877-GO-DIRECT. For 24/7 roadside help, call 877-756-6637.

Source: Direct Auto contact page, read Oct 10, 2026

Still deciding? Let us shop your Direct Auto Insurance renewal.

A licensed Florida agent shops other companies for you. It is free and takes about 5 minutes.

or call (727) 997-5999

Free. No junk mail. No spam calls.

Direct Auto Insurance reviews and complaints: what the public data shows

Direct Auto Insurance rating

A'' (Unsurpassed) from Demotech, as of Oct 20, 2026.

Complaints
0.75 on the NAIC complaint index 1.00 is average. Higher means more complaints for its size. NAIC, 2025, nationwide, private passenger auto. As of Oct 16, 2026.
Years in Florida
Since 1990 (36 years)
Regulatory actions
Not available

No star ratings and no user reviews, only public data.