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Show me the discounts!
Save up to 25% with Direct’s discounts.*
Get a quote today to see which apply to you!
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Discount Menu*
Safe Driver Discount

Save up to 10% if you're a policy member and have been violation and accident free for the past 36 months. Some states may have additional requirements.

Prior Coverage Discount (Switchover Discount)

Save up to 25% if you've been with another insurance company for at least 6 months and have not had more than 90 days of lapse in previous coverage. Lapse periods vary by state. Insurance purchased from Direct General Insurance or any of its companies is not valid as prior insurance (though you could qualify for a renewal discount).

Multi-Product Discount

Save up to 5% if you include one of our active qualifying products in your auto policy. Qualifying products vary by state, but usually include term life insurance, an emergency protection plan, and sometimes roadside assistance.

Multi-Car Discount

Save up to 25% if more than one vehicle is covered under your policy.

Welcome Back Discount

Save up to 6% if you have previously purchased a policy with Direct but have not had one within 6 months of that former policy.

Mileage Discount

Save up to 5% if your vehicle is driven under a certain mileage on an annual basis.

Renewal Discount

Save up to 15% if you've had no policy lapse in the prior 12 months and you renew your policy within 7 to 10 days of the expiration date. Renewal period varies by state.

Homeowner Discount

Save up to 15% if you, or your spouse, own a home and this is also where you keep your cars. Discount applies to homes, townhomes, and condominiums, but not mobile homes.

Military Discount

Save up to 25% if you are an active service member and can provide a copy of your current orders, or other acceptable documentation proving so.

Good Student Discount

Save up to 10% if you're unmarried and a full-time student in high school, college, or a vocational/technical school, and are an honor student, on the Dean's List, have a “B” average or better, or rank scholastically in the upper 20% of the class.

Senior Citizen Discount

Save up to 5% if you're 55 years or older and successfully complete a motor vehicle accident prevention course.

Affinity Discount

Save up to 5% if you're an active member of an organization that has partnered with Direct. Call your Direct Auto agent at 1-877-463-4732 for a full list of affinity organizations.

* Insurance is underwritten or administered by members of the Direct General Group, Nashville, TN and is only offered in states where we are licensed to do business. You can find this information on our website: Discounts may only apply to certain coverages and are subject to terms and conditions and may not be available in all states or distribution channels. Price may vary depending on how you buy.
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