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 9, 2004

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

           Tennessee                      000-50360            62-1564496
-------------------------------   ------------------------ -------------------
(State or other jurisdiction of   (Commission File Number)   (IRS Employer 
        incorporation)                                     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 240.14a-12)

[ ] 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 7.01         Regulation FD Disclosure.

         On November 9, 2004, Direct General Corporation (the "Company") issued
a press release announcing a stock transaction involving Jacqueline C. Adair and
Tammy R. Adair. A copy of the Company's 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

                  Exhibit No.       Description

                  99       --       Press Release dated November 9, 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 9, 2004

                                      DIRECT GENERAL CORPORATION

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