# Direct Auto Insurance vs Split Pay

Direct Auto Insurance and Split Pay both sit at 4.8 stars, but that hides the real split: 72% of Split Pay's written reviews are positive against 42% of Direct Auto Insurance's. Split Pay also leads on chart position (#28 vs #188). On price, rating, ratings volume and update cadence there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

On the App Store both sit at effectively the same score — 4.8 for Direct Auto Insurance against 4.9 for Split Pay. Both are backed by a comparable volume of ratings — 57K and 21K respectively. Written reviews are what separate them: 42% of Direct Auto Insurance's written reviews are positive against 72% of Split Pay's.

Direct Auto Insurance ships an update monthly, Split Pay fortnightly. Both last shipped on November 1, 2026.

## The numbers

| Metric | Direct Auto Insurance | Split Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (57K ratings)](https://appshunter.io/ios/app/direct-auto-insurance/id1571501814/reviews) | **[4.9 (21K ratings)](https://appshunter.io/ios/app/split-pay-split-bills-in-two/id6448634850/reviews)** |
| Number of ratings | **57K** | 21K |
| Positive reviews | 41.7% of reviews | **72.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Fortnightly** |
| Monetization | Free | Free |
| Best chart rank | #188 | **#28** |
| Size | 200 MB | 66 MB |
| Requires iOS | 17.0 | **16.6** |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [National General Insurance Company](https://appshunter.io/developer/1571501816) | [Visible Ideas](https://appshunter.io/developer/1685211689) |

## What reviewers say

### Direct Auto Insurance

[App page](https://appshunter.io/ios/app/direct-auto-insurance/id1571501814)

**Currently charting:** #188 Top Free · Finance (US App Store)

Manage your auto insurance policy conveniently from your mobile device. Access policy documents, ID cards, make payments, and handle claims on the go. Request roadside assistance and review your coverage details anytime, anywhere.

**Highlights:** Access ID cards, Make payments, Sign policy documents, Request roadside assistance, File a claim, View policy documents

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Quick and easy access
- 👍 Affordable insurance
- 👍 Friendly service
- 👍 Smooth and easy to use

**What reviewers complain about**

- 🐛 Frequent app crashes and bugs
- 🐛 Login and password issues
- 🐛 Inability to manage policy details
- 🐛 Unreliable app and website
- 🐛 Frequent app updates required

**Reported bugs**

- App freezes and crashes
- Login issues and inability to reset password
- Inability to make payments through the app
- Inconsistent app behavior and functionality

**Requested features**

- Add dark mode
- Implement Face ID and widgets
- Allow policy changes and updates through the app
- Improve app stability and performance


### Split Pay

[App page](https://appshunter.io/ios/app/split-pay-split-bills-in-two/id6448634850)

**Currently charting:** #28 Top Free · Finance (US App Store)

This app allows renters to divide their monthly rent into two smaller, more manageable payments. It helps with budgeting and can also be used to build credit history by reporting on-time payments.

**Highlights:** Split rent into two payments, Build credit history, Improve budgeting, Works with all payment systems, Autopay functionality, Free credit reporting option

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Great service with team members that go above and beyond
- 👍 Easy to use and intuitive
- 💡 Helpful split pay feature
- 🚀 Smooth and seamless process
- 👍 Convenient for budgeting and managing rent payments

**What reviewers complain about**

- 🐛 Delayed rent payments to landlord
- 🐛 Accounts suspended with no explanation
- 🐛 Difficult to get approved for split pay
- 🐛 App crashes and freezes
- 🐛 Lack of integration with property management portals

**Reported bugs**

- Login screen freezes
- Incompatibility with certain bank accounts
- Payments not showing up in app after being processed

**Requested features**

- Ability to change payment dates after initial setup
- Option to adjust second split pay date within 30-day period
- Integration with property management payment portals
- Clearer communication on approval process and reasons for account suspension


## Frequently asked questions

### Is Direct Auto Insurance free?

Direct Auto Insurance is free to download, with no in-app purchases.

### Is Split Pay free?

Split Pay is free to download, with no in-app purchases.

### Which has better reviews, Direct Auto Insurance or Split Pay?

Split Pay is rated higher. Direct Auto Insurance averages 4.8 out of 5 from 57K ratings, while Split Pay averages 4.9 from 21K ratings.

### Do Direct Auto Insurance or Split Pay have ads?

Neither Direct Auto Insurance nor Split Pay shows ads.

### Which is updated more often, Direct Auto Insurance or Split Pay?

Direct Auto Insurance ships an update monthly, and Split Pay fortnightly. Most recently, Direct Auto Insurance was updated on November 1, 2026 and Split Pay on November 1, 2026.

### Which is more popular, Direct Auto Insurance or Split Pay?

Direct Auto Insurance currently peaks at #188 in the App Store charts, and Split Pay at #28. Chart position reflects recent download velocity rather than total install base.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*