Best Digital Car Insurance Companies (2024)

The best digital car insurance tools may depend on your driving habits and mileage.

Theresa Stevens
Theresa Stevens
  • AFCPE Accredited Financial Counselor

  • 6 years experience in the personal financial industry

Theresa is a writer and former financial advisor with experience helping clients solve money challenges. She uses her expertise to clarify complex personal finance concepts.


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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Daniel Roccato
Reviewed byDaniel Roccato
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Daniel RoccatoAdvisor
  • 30+ years in financial services

  • Clinical Professor of Finance, University of San Diego

Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated March 26, 2024

Save up to $717 by comparing quotes from the top 100+ insurance companies

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Cheapest recent rates

Drivers using Insurify have found quotes as cheap as $37/mo for liability only and $42/mo for full coverage.

*Quotes generated for Insurify users within the last 10 days. Last updated on March 25, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on March 25, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Today, you can do almost anything online — attend work, open a bank account, even order groceries — without leaving the comfort of your home. Technology has transformed nearly every industry, and the insurance sector is no exception.

Digital car insurance companies take a technology-first approach to their offerings, allowing customers to purchase and manage insurance policies directly from the company’s website or mobile app. And legacy car insurance companies are striving to provide the same level of digital convenience many customers now expect. Some are doing it better than others, as you’ll see below.

Quick Facts
  • Digital insurance companies are worth considering for all your insurance products.

  • While you tend to save on insurance costs with digital companies, it’s still important to compare them with all other insurance companies for the best deal.

  • If you prefer working with an insurance agent, you’ll probably want to stick with a legacy insurance company.

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Minimum coverage policies start at just $21/mo.

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Best digital car insurance companies

The best digital car insurance company for you will be one that offers affordable rates and coverage to match your driving habits and vehicle usage. Each of the insurers presented below provides convenient online and mobile-based platforms for easy policy management.

Best for low-mileage drivers: Metromile

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$77/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$119/mo

Metromile is a digital insurance company powered by machine learning that offers customized rates based on your driving habits. This pay-per-mile pricing structure aims to ensure you only pay for the amount of coverage you need based on how much you drive. If you drive fewer than 10,000 miles per year, you may see the most savings.

Lemonade acquired Metromile in 2022.

Pros
  • Pay-per-mile insurance

  • Those who drive fewer miles than average may receive lower rates

  • Get alerts about your car’s health on the mobile app

Cons
  • Available in only eight states

  • High number of customer complaints[1]

  • Tracks your driving

Danielle - March 1, 2024
Verified

In the beginning, you're happy, and then you're not!

My experience was great in the first year. I saved quite a bit. However, after the first year, my rate went up significantly and I'm not happy about it. I'm looking for alternatives!
Read our Metromile review

Best for good drivers: Root

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$62/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$98/mo

Unlike traditional insurance companies that use your location, age, and other factors to determine your rate, Root primarily looks at your driving habits. To determine your eligibility, you must take a road test to show your safe driving habits. This test will last a few weeks.

The Root mobile app tracks your driving patterns, including your braking, the speed of turns, and the times of day you’re on the road. The safer you drive, the more you can potentially save. You can also manage your policy, make changes, and file claims right from the Root mobile app.

Pros
  • Potentially lower rates for those with good driving records and habits

  • Free roadside assistance

  • File claims within minutes

Cons
  • Must take a driving test

  • Won’t insure bad drivers

  • Not available in all states

Katrina - March 20, 2024
Verified

It seemed great at first, but then my cost increased significantly every year. I just switched to a company that used to be too expensive because they are now saving me $70 a month on my car insurance. I started out paying $75 a month with Root and ended up paying $150 a month. That's nearly double in just two years! I will not recommend them to anyone.

It seemed great at first, but then my cost increased significantly every year. I just switched to a company that used to be too expensive because they are now saving me $70 a month on my car insurance. I started out paying $75 a month with Root and ended up paying $150 a month. That's nearly double in just two years! I will not recommend them to anyone.

Rosa - March 19, 2024
Verified

Poor Customer Service

I can never get in touch with anyone and the customer service is unsatisfactory. I am considering giving my business to another company.

Deborah - March 17, 2024
Verified

Average

I've never once been able to speak to an actual human.
Read our Root review

Best for drivers who want to make a difference: Lemonade

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR

Lemonade is a highly rated insurance company offering auto, renters, home, pet, and life insurance. Its auto policies include free emergency crash and roadside assistance. Lemonade also provides several perks to EV and hybrid drivers, such as discounts and emergency charging assistance.

Finally, Lemonade also plants trees based on your mileage to help reduce your carbon footprint.

Pros
  • Discounts for hybrid and EV drivers

  • Free roadside and emergency crash assistance

  • Plants trees to reduce your car’s carbon footprint

Cons
  • Tracks your location and driving habits

  • Must download the mobile app to manage your policy

  • Doesn’t offer rideshare insurance

Best insurance company mobile apps

Plenty of older insurance companies still employ insurance agents and have offices in your area. But their digital tools work well enough that customers can sometimes have the best of both worlds as we transition from traditional methods to digital insurance. Here’s what we could find about mobile apps that some big insurance companies offer:

Nationwide

Earning 4.4 stars out of 5 on Apple’s App Store and 4.2 stars on Google Play, Nationwide has a totally respectable mobile app that helps this old insurer stick around in a changing industry. If you like your policy and premium from Nationwide, your customer experience won’t be held back by an ancient mobile app.

Progressive

With 4.5 stars on Apple’s App Store and 4.7 stars on Google Play, Progressive offers a very usable digital experience. Pay bills, change your insurance coverage, add insurance policies, and download your documents and insurance cards with Progressive’s app.

Liberty Mutual

Liberty Mutual is one of the nation’s largest insurance companies, and the reviews of its mobile app suggest that it’s not going to be knocked aside by insurtech developers anytime soon. More than 200,000 reviewers on Apple’s App store rated Liberty Mutual’s app with 4.8 stars on average, and it received 4.7 stars on Google Play.

Allstate

The Allstate mobile app receives great reviews from iPhone users, but its Google Play rating is 3.7 stars. If you have an Android, you might be feeling a little undervalued by Allstate’s digital approach. So if digital insurance is a priority for you, take it into account. Customers say the app is slow, doesn’t save their credit card info, and is generally “useless.”

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Methodology

Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page.

The car insurance data includes coverage analysis and details on drivers’ vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

With this information, Insurify can offer drivers insight into how companies price their car insurance premiums. The data included on this page represent averages across ages, genders, credit scores, and driver profiles.

Best and Worst Car Insurance Comparison Sites

Best and Worst Car Insurance Comparison Sites

Digital car insurance FAQs

Looking for more information to help you find the best digital car insurance company for you? Consult the answers below.

  • How are digital insurance companies different from regular insurance companies?

    Digital insurance companies leverage digital technologies to streamline the insurance process, develop personalized insurance solutions, and improve overall customer experience. On the other hand, many traditional insurance companies struggle to offer these technological advancements, often resulting in higher rates and slower service.

  • Will insurtech startups help you save money on insurance?

    Insurtech startups can potentially help you save money on car insurance. Many insurtech companies offer mileage-based and usage-based pricing. Depending on your driving habits, this can lead to lower rates. However, like traditional insurance offerings, rates depend on various factors, including your location, driving history, age, and coverage needs.

  • Is it safe to purchase auto insurance entirely online?

    Buying car insurance online is perfectly safe, provided you choose a reputable and trustworthy insurer. Before purchasing car insurance online, thoroughly research different insurance companies. Look for well-established businesses with positive customer reviews.

  • What is a digital insurance policy?

    A digital insurance policy refers to an insurance policy that is created and managed electronically through a website or mobile app. Policies are written and priced through digital algorithms, while the companies maintain live customer service.

Theresa Stevens
Theresa Stevens

Theresa Stevens is a personal finance writer based in Boston, Massachusetts. Her work has been featured in Forbes Advisor, Bankrate, and more. As a former financial advisor, she has first-hand experience helping people solve their money challenges. When she's not writing, you'll find her trying out new karaoke spots or planning her next trip abroad.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Daniel Roccato
Reviewed byDaniel RoccatoAdvisor
Headshot of industry expert Daniel Roccato
Daniel RoccatoAdvisor
  • 30+ years in financial services

  • Clinical Professor of Finance, University of San Diego

Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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