Unitrin Direct Car Insurance Reviews


Unitrin Direct was founded in 2000 as a subsidiary of Unitrin Inc. Unitrin Direct specializes mostly in financial services but also provides both Auto and Homeowners Insurance. While Unitrin Direct is a fairly new insurance company they already have over 6 million accounts in 25 states and have over 9 billion in revenue and assets. When you are looking for auto insurance, you want a company with both security and stability. Though they have not been around as long as other insurance companies, Unitrin Direct does provide financial security for many policy holders.

They are constantly working on new initiatives to improve the customer service experience. One example is enhancing their use of technology to achieve a 96% customer satisfaction rating. They’ve also received an A (Excellent) rating from A.M. Best company.


Unitrin Directs coverage vary from state to state, but the basics will always include collision, comprehensive coverage, property damage, uninsured/underinsured motorist coverage, personal injury, and bodily injury coverage. However, in addition to this coverage, they feature some additional optional benefits such as stacked coverage, which allows you to stack or multiply the amount of coverage on uninsured/underinsured motorists by the number of vehicles on your policy.

They also provide full Tort/No limitation on lawsuit option and Limited Tort/limitation on lawsuit option. In the event of a lawsuit, this provides you with the ability to push for more pain & suffering coverage against the negligent party. Or with limited coverage, it allows you to recover the out of pocket expense and additional expenses, but limits the amount of coverage for pain & suffering unless serious injury has been established.

Unitrin Direct covers Arizona, California, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Iowa, Kentucky, Missouri, Michigan, Maryland, New York, New Jersey, Ohio, Oregon, Pennsylvania, South Carolina, Texas, Virginia, Washington, and Wisconsin. Their coverage varies by state. If you are looking for coverage in any of these states and would like to get started, simply type your zip code into the website and we will locate a local agent that can help you find the policy that best suits your needs.

Discounts & Special Offers

Unitrin Direct provides you with many special services and discounts. They support safe drivers and have discounts that benefityou if your vehicle is safety ready. Several discount factors are taken into account when you sign up for your policy, and the make and model you list for your primary vehicle will also trigger some automatic discounts and special offers when you add the vehicle. You could get a discount for common automotive features such as air bags, anti-lock brakes, anti-theft devices, and daytime running lights.

Additional discounts and special offers include steps taken to improve your driving ability or to ensure that you are a safe driver, such as taking an accident prevention or defensive driver course. Also, a Mature Driver/Driver Improvement course taken by anyone over the age of 55 canlead to a discount for senior citizens.

Students under the age of 25 attending a university or educational institution with a 3.0 GPA or higher can benefit from Good student discount.Anyone owning a home, condo, or mobile home can similarly benefit from the Homeowners discount.  There’s even a distant student discount for parents with children under the age of 23 who are attending school away from home.

Bottom Line:

While Unitrin Direct is a relatively new Auto Insurance Company they go out of their way to ensure that families are taken care of. Their company is a part of the BBB and has been since the start.

They provide added bonuses for those who show improvement in driving and taking a particular interest in ensuring our seniors are being safe while on the road. While their Auto insurance policies are not the cheapest on the market their services provide many benefits that make obtaining their insurance policies worth while.

If you are interested in obtaining a policy from Unitrin Direct and live in one of the 25 states in which their services are provided, simply enter your zip code to this website and we can find you a local agent to assist you in getting started.

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