UNITED STATES
                              WASHINGTON, DC 20549

                                    FORM 8-K

                                 CURRENT REPORT

     Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934

                Date of Report (Date of earliest event reported)
                                November 1, 2004

                           DIRECT GENERAL CORPORATION
             (Exact name of registrant as specified in its charter)

          Tennessee                  000-50360                62-1564496
(State or other jurisdiction of    (Commission              (IRS Employer
        incorporation)              File Number)          Identification No.)

         1281 Murfreesboro Road
          Nashville, Tennessee                            37217
(Address of principal executive offices)               (Zip Code)

       Registrant's telephone number, including area code: (615) 399-4700

                                 Not Applicable
          (Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):

[ ]  Written communications pursuant to Rule 425 under the Securities Act (17
     CFR 230.425)

[ ]  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR

[ ]  Pre-commencement communications pursuant to Rule 14d-2(b) under the
     Exchange Act (17 CFR 240.14d-2(b))

[ ]  Pre-commencement communications pursuant to Rule 13e-4(c) under the
     Exchange Act (17 CFR 240.13e-4(c))


Item 2.02.   Results of Operations and Financial Condition.

     On November 1, 2004, Direct General Corporation issued a press release
announcing its financial results for the quarter ended September 30, 2004. A
copy of the press release is attached to this Current Report on Form 8-K as
Exhibit 99.

Item 9.01    Financial Statements and Exhibits.

     (c)     Exhibits.

             The following exhibit is filed herewith and made a part hereof:

             Exhibit No.       Description
             -----------       -----------

             99   --           Press Release dated November 1, 2004.


     Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.

Date:  November 1, 2004

                                         DIRECT GENERAL CORPORATION

                                         By: /s/ Matthew P. McClure
                                             Matthew P. McClure
                                             Assistant Secretary