Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Mar 31, 2021

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Key takeaways...

  • Online car insurance comparison is the #1 reason for the popularity of direct auto insurance today
  • Almost all car insurance companies offer coverage direct to consumers
  • direct auto insurance is the popular choice for most drivers

Direct auto insurance can be defined a couple different ways, but the best explanation is when drivers obtain car insurance directly through a car insurance company without using an insurance broker or independent insurance agent.

Find affordable car insurance quotes now! Enter your zip code above to get started for FREE!

Why is direct car insurance popular?

Online car insurance comparison is the #1 reason for the popularity of direct auto insurance today. Before the internet, most drivers were forced to deal with local insurance agents.

Many of these agents work independently or as brokers and in the past it was rarely a question of which company to speak with but rather “Do you know a good car insurance agent?”

Today is different and almost all car insurance companies have an online presence offering consumers direct ways to obtain auto insurance.

The benefits of obtaining car insurance direct include:

  • Direct access to the Car Insurance Company (bypassing a local agent with limited hours of operation)
  • Online Account Management Tools
  • Online Claims Handling
  • Possible lower premiums

While direct car insurance coverage will never replace the need for local agents it certainly does fill a need in today’s society for people who like a more convenient way to buy car insurance.

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What car insurance companies offer direct auto insurance?

Almost all car insurance companies offer coverage direct to consumers.

Whenever drivers surf online they will most likely see ads by Geico, State Farm, Esurance and other car insurance companies asking you to input a zip code for a free car insurance quote.

The cost of acquiring a customer online is far less than traditional media and this helps provide a large advantage to vehicle owners allowing people to start a car insurance quotes comparison search online without the pressure of a live person.

Purchasing auto insurance direct, however, is not for everyone as some car insurance companies do not have local agents and many drivers still prefer to deal with a friendly face with a local office.

Finding the right car insurance company has always been a bit of a give and take situation, but for many drivers, direct auto insurance is the popular choice.

Find car insurance companies and get FREE Car insurance rates today! Enter your zip code in our tool below to get started!


  1. https://www.statefarm.com/
  2. https://www.esurance.com/