Best Car Insurance Apps (2026)
State Farm and GEICO offer policyholders the highest-rated mobile apps.
Secure. Free. Easy-to-use.
Excellent
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Written byJulia Taliesin
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Julia TaliesinEconomic Analyst, Insurance
Julia Taliesin is an insurance content writer at Insurify. She began her career as a journalist, covering local government and business in Somerville, Mass.
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Edited byEvelyn Pimplaskar
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Evelyn PimplaskarEditor-in-Chief, Director of Content
10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
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Reviewed byMark Friedlander
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Updated
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Table of contents
Most major national and regional car insurance companies now offer mobile apps, many of which let policyholders file claims, manage their accounts, and access roadside assistance from their smartphones. A good insurance app has become a must-have for customers, so insurers are putting more resources into providing seamless mobile experiences.
State Farm and GEICO offer the highest-rated mobile apps, earning near-perfect scores in the Apple App Store and Google Play Store. Learn more about the best car insurance mobile apps available.
Quick Facts
State Farm, GEICO, Liberty Mutual, Progressive, and Farmers all tie for the best App Store and Google Play ratings.
Root is a newer car insurance app that bases your premium almost entirely on how you drive.
Insurify, Jerry, and Way are our top picks for insurance-comparison mobile apps.
Top-rated car insurance apps
Finding the best car insurance company is key to getting the best coverage at the right price. And choosing an insurer with a user-friendly mobile app can help you manage your policy on the go. These insurers have top-rated apps that customers can use to view their documents or file claims.
Insurer App  | App Store Rating | Google Play Rating |
|---|---|---|
| State Farm | 4.8 | 4.6 |
| GEICO | 4.8 | 4.6 |
| Liberty Mutual | 4.8 | 4.6 |
| Progressive | 4.8 | 4.6 |
| Farmers | 4.8 | 4.6 |
| Root | 4.7 | 3.3 |
Disclaimer: Rating scores updated in November 2024.
1. State Farm: Best for customer service
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| 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. | $55/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. | $107/mo |
4.0
Best choiceBased on 15,019 verified driver reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (7,044)
Claude
Verified Review
Average
Reviewed in New York on February 16, 2026
Fine. But the price keeps going up. Looking for better value insurance.
Michael
Verified Review
Overcharged
Reviewed in Indiana on February 16, 2026
My rates kept going up and up with fewer vehicles.
Shirley
Verified Review
I had a very good experience with them until my niece joined. She had too many accidents, so they discontinued my insurance. Same household, same insurance.
Reviewed in South Carolina on February 16, 2026
I had a very good experience with them until my niece joined. She had too many accidents, so they discontinued my insurance. Same household, same insurance.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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).
A++Why we picked this company
State Farm offers one of the highest-scoring mobile apps. Customers can use it to manage their accounts, request roadside assistance, file claims, access auto insurance ID cards, and upload photos and documents during the claims process.
The insurer recently added its Drive Safe & Save telematics program to the general app, so enrolled customers no longer have to download a separate app to record trips and access driving feedback.[1] Steer Clear, a telematics program for drivers younger than 25, still requires a separate app. It also has high ratings of 4.7 in the App Store and 4.5 in the Google Play Store.
Pros
Reviews praise the user-friendly features and great customer service
Easy to upload photos and documents during the claims process
Cons
Drivers enrolled in State Farm’s Steer Clear program must download a separate app
Some user reviews report frustration with frequent app updates and a buggy login process
How drivers feel about State Farm’s app
State Farm’s app has overwhelmingly positive reviews from more than 1 million ratings. Drivers like the easy roadside assistance feature, responsive service, and helpful premium payment reminders. Reviews often reference agents by name, expressing gratitude for swift, helpful support.
Some drivers expressed alarm at how many permissions the Drive Safe & Save program requires and frustration with the app updates that mean it won’t work on older phones and operating systems. But overall, drivers appreciate the app’s functionality and convenience.
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2. GEICO: Best for vehicle service features
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| 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. | $86/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. | $142/mo |
4.0
Best choiceBased on 15,321 verified driver reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (7,316)
Steven
Verified Review
Greedy and we need to find a solution.
Reviewed in New Jersey on February 16, 2026
Our rates doubled within a few years, even though we have a clean driving record.
James
Verified Review
I have had to make two customer service calls, and they were great! The app is very easy to navigate and understand.
Reviewed in Florida on February 16, 2026
I have had to make two customer service calls, and they were great! The app is very easy to navigate and understand.
Susan
Verified Review
Too Expensive
Reviewed in Florida on February 16, 2026
Too expensive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.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).
A++Why we picked this company
The GEICO mobile app is one of the most feature-rich auto insurance apps available. The Easy Photo Estimate feature offers an estimate of your vehicle’s repairs after you submit a photo of your car’s damage.[2] Vehicle Care, powered with CARFAX, tracks your vehicle’s service history, notes open recalls, and helps you create a maintenance schedule.
Drivers enrolled in GEICO’s DriveEasy telematics program need to download the separate GEICO DriveEasy Pro app. The mobile app tracks your driving performance and provides scores and feedback. It has mixed reviews, with 3.7 stars in the App Store and 3.4 stars in the Google Play Store, but GEICO’s DriveEasy program ranks third overall for customer satisfaction with J.D. Power.
Pros
Quick access to insurance ID cards, including storage in your Apple Wallet
Use the app to quickly request roadside assistance
Cons
Drivers enrolled in GEICO’s DriveEasy telematics program need to download a separate app
Some recent reviews complain of long loading and processing times
How drivers feel about GEICO’s app
Based on GEICO’s more than 4 million app reviews, drivers appreciate the app’s comprehensive features and convenient interface. App users like having everything from payments to claims filing available in one place, as well as the option to postpone a scheduled payment.
But some drivers report frustration with the DriveEasy app recording phone handling even when drivers have their phones mounted or stowed away. Many users praise the app’s easy-to-navigate features and recent updates.
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3. Liberty Mutual: Best for claims satisfaction
| User Reviews | 3.4 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.7 /10 |
| 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. | $151/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. | $207/mo |
3.4
A solid optionBased on 3,501 verified driver reviews and ratings
How drivers feel about Liberty Mutual
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
How drivers feel about Liberty Mutual
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
Reviews (1,870)
Richard
Verified Review
Liberty Mutual Needs to Improve
Reviewed in North Carolina on February 15, 2026
The roadside assistance employees were awful, and my insurance rates went up, so I switched and saved a lot of money.
Fredrick
Verified Review
I need cheaper insurance!
Reviewed in South Carolina on February 14, 2026
The insurance costs too much even though it’s in my mother’s name and she’s 84 years old. I pay the insurance ($170 a month) and the car is with me because I paid for it in the beginning when we got it. In Jesus' name, Amen!
Randall
Verified Review
Good Company
Reviewed in Alabama on February 14, 2026
All has gone well with them. No problem at all. The premium for the coverage I have is very good.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
612NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.28A.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).
AWhy we picked this company
Liberty Mutual claims its app is the easiest way to pay your bills, update billing information, manage ongoing claims, store your insurance ID card, and view policy details. You can also use the app to request roadside assistance, update your payment schedule, and enroll in auto pay. The Express Estimate feature offers repair estimates in minutes based on photos policyholders upload.
Drivers enrolled in Liberty Mutual’s RightTrack telematics program can track driving performance and receive scores right in the Liberty Mutual mobile app — no need for a separate app. And the insurer claims driving an hour per day for a month will use just 18 MB of data in total.
Pros
Customers can access the RightTrack telematics program without downloading an additional app
The app offers efficient data usage
Cons
RightTrack enrollees must download the app to receive their 10% discount
The app may use up battery quickly, depending on your phone
How drivers feel about Liberty Mutual’s app
Most Liberty Mutual app reviewers report an easy, useful app experience. Users say paying bills and filing claims through the app is easy, and many describe exceptional customer service.
Some reviewers report annoying app freezes and technical errors but say once they call for support, they have a good customer service experience. Certain RightTrack telematics policyholders express concern about data tracking and sharing. Overall, many drivers find the app easy to navigate and say it saves time.
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4. Progressive: Best for easy policy management
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 622 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.7 /10 |
| 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. | $97/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. | $161/mo |
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
Reviews (8,011)
John
Verified Review
Excellent
Reviewed in Arizona on February 16, 2026
Good coverage, nice respectful people, always provide feedback.
John
Verified Review
Review 2-15-2026
Reviewed in Florida on February 16, 2026
Shop around and look at offers carefully.
John
Verified Review
My experience with ending a lease and insuring a new car was excellent
Reviewed in Wisconsin on February 16, 2026
Progressive is tops in knowing the product and providing the product.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
622NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97A.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).
A+Why we picked this company
The Progressive app lets drivers view coverages and policy details, pay bills, view and save ID cards, report claims, request roadside assistance, get in touch with their agent, take and submit photos of requested documents, and receive quotes for other Progressive insurance products.[3]
Though it used to require a separate app, Progressive’s Snapshot telematics program is now part of the insurer’s standard mobile app. The feature shows your recent trips, logs your full driving history, provides driving performance details, and offers tips to improve driving habits.
Pros
Saves IDs for easy access — including offline storage for when you’re on the road and lack internet connection
Customers can access the Snapshot telematics program without downloading an additional app
Cons
Reviews say the app often directs users to complete tasks on the website
Some users report a buggy app experience
How drivers feel about Progressive’s app
Progressive app users like the user-friendly and easy-to-navigate layout. While many approved of the feature that lets users add their insurance ID to their Apple Wallet, others had trouble even finding the ID card.
The app’s more than 560,000 reviews lean positive, with many reviewers expressing appreciation for the app’s convenient mobile payment and intuitive features. Some drivers report a more buggy experience though and say they’ve had trouble with the auto-pay feature, battery drain, and the app not loading.
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5. Farmers: Best for straightforward experience
| User Reviews | 3.7 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| 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. | $109/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. | $211/mo |
3.7
A solid optionBased on 2,386 verified driver reviews and ratings
How drivers feel about Farmers
Customers appreciate the helpful agents and good initial quotes but dislike the consistent rate increases and lack of senior discounts. Some also reported issues with claim handling and communication.
AI-generated from the text of verified reviews collected by Insurify
Best For
Bundling discounts
Minimum coverage
Safe drivers
How drivers feel about Farmers
Customers appreciate the helpful agents and good initial quotes but dislike the consistent rate increases and lack of senior discounts. Some also reported issues with claim handling and communication.
AI-generated from the text of verified reviews collected by Insurify
Best For
Bundling discounts
Minimum coverage
Safe drivers
Reviews (1,118)
Lanny
Verified Review
Farmers Auto Insurance
Reviewed in Colorado on February 16, 2026
It is a bit expensive for an older automobile, but I've had no claims.
Lanny
Verified Review
My Auto Insurance Coverage with Farmers Insurance
Reviewed in Colorado on February 2, 2026
I switched to Farmers from State Farm 8 years ago because State Farm raised my 6-month rates by $135.00 without explanation, and I had their tracking for my driving installed, for which they charged me an extra $35.00 a year. I had been with State Farm since I was 16 years old. No comment from my agent. So, I switched! My Farmers agent was very good. I realized I might pay a few dollars more, but the coverage I chose was good. It is a bit more expensive, but the coverage I have more than covers me. Will I continue? It depends on the cost of coverage in the future. I have had no accidents or violations, so my policy increases yearly have been minimal because I have a good driving record.
Robert
Verified Review
Farmers Insurance Rate Increase
Reviewed in Nevada on January 13, 2026
Stay away, they just raised my auto/home by over $1,500 without a single claim or accident! I will be shopping again.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
619NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.28A.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).
AWhy we picked this company
Farmers policyholders can use the app to pay bills, manage payment options, view policy documents, file claims, request roadside assistance, connect with agents, receive quotes on other insurance products, and more.
Drivers enrolled in the insurer’s Signal telematics program must download a separate app to track their driving behavior and receive feedback. If you can enroll in Signal, you may also be able to access CrashAssist, an optional feature that detects if you’ve been in a crash and notifies authorities for help. The Signal by Farmers app has 4.8 stars in the App Store and 4.1 stars in the Google Play Store.
Pros
Offline access lets you view policy information without an internet connection
Recent reviews praise the app’s easy navigation and intuitive features
Cons
Drivers can’t update their billing address or store multiple addresses in the app
Not all policyholders can access CrashAssist in the Signal telematics app
How drivers feel about Farmers’ app
Farmers’ app reviewers say the app is easy to use and understand. Its recent ratings are consistently high, with drivers describing simple claims and bill payment processes.
Some drivers report that the app is slower after updating and requires too many mandatory updates that take up phone storage. Others also express frustration that the app doesn’t immediately reflect policy updates, and they say the website is more helpful. Most users appreciate the convenience, though, and say it’s better than waiting to talk to someone on the phone.
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6. Root: Best for safe drivers
| User Reviews | 3.4 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.9 /10 |
| 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. | $90/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. | $151/mo |
3.4
A solid optionBased on 1,078 verified driver reviews and ratings
How drivers feel about Root
Drivers appreciate the easy sign-up process and initial affordability but dislike the significant rate increases over time and difficulty reaching customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
Usage-based insurance
Safe drivers
Cheap rates
How drivers feel about Root
Drivers appreciate the easy sign-up process and initial affordability but dislike the significant rate increases over time and difficulty reaching customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
Usage-based insurance
Safe drivers
Cheap rates
Reviews (498)
Nicole
Verified Purchase
Grateful for Root
Reviewed in California on February 12, 2026
Super easy. Other insurance companies were expensive and gave me the runaround. I'm not even a bad driver! Very grateful for Root.
Thomas
Verified Review
I spend $85 more than the average driver in my area
Reviewed in Florida on February 4, 2026
Root is expensive.
Jennifer
Verified Review
Car Insurance is Too Expensive and Unfair
Reviewed in New Mexico on February 4, 2026
It's okay, but like all insurance, especially car insurance, it is very expensive. I can see why people don't get insurance. Basic coverage is almost $200.00 a month, and if you have an accident that is not your fault, you still have to pay more, which is totally unfair. It can go up by a hundred more no matter where you go.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.93A.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).
NRWhy we picked this company
Where some insurance companies have an app available for policy management or telematics programs, Root’s entire model is app-based. Root Insurance sets rates based mostly on how you drive, weighing other factors like age, ZIP code, and credit history much less than traditional insurers do.
Policyholders must download the app to maintain a Root policy and complete a “test-drive” to unlock a discount. Drivers have the option of completing a test-drive period before coverage starts to get the discount up front, or you can complete the test-drive after you start coverage, but you won’t get the discount until after you complete the test-drive. Root primarily looks at smooth braking, phone use, speed, and the time of day you’re driving to determine rates.[4]
Pros
Drivers can save up to 44% off their initial Root quote after the test-drive
Every auto policy includes roadside assistance
Cons
Users report Root canceling policies if their driving score drops due to unsafe driving
Root may not offer a quote to drivers it deems unsafe during the test-drive period
How drivers feel about Root’s app
Though Root hasn’t been around long, it already has more than 100,000 ratings and reviews. App developers also respond to nearly every review in the App Store and Google Play.
Some drivers report frustration that the app glitches or won’t update. Some users were also disappointed after receiving rate increases that Root based on its driving data collection. Others report a smooth app experience, however, and appreciate the swift roadside assistance and low rates.
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How Insurify evaluated car insurance apps
Insurify evaluated car insurance apps using ratings from the Apple App Store and Google Play Store, the number of reviews, and the insurance companies’ market share, according to the National Association of Insurance Commissioners.
We looked at the top insurance companies by market share and compared their Apple App Store and Google Play Store ratings, breaking ties with the number of reviews customers submitted. We also considered whether the insurer offered a telematics program within its main insurance app or if users have to download a separate telematics app.
Find Car Insurance Savings
Liability-only rates start as low as $45/mo.
Excellent
4.7 out of 5 based on 11,866 reviews
Secure. Free. Easy-to-use.
Highest-rated car insurance comparison apps
Getting auto insurance quotes from multiple insurers and comparing them side by side is one of the best ways to unlock savings. Several highly rated apps allow drivers looking for new insurance to access quotes from multiple insurers in minutes. The best comparison apps make it easy to find the ideal car insurance policy for your needs and budget.
Most car insurance comparison apps claim customers save hundreds of dollars on average after comparing quotes. Car insurance companies can raise your rates after renewal — even if you’re a loyal customer. That’s why Insurify recommends shopping for coverage every six to 12 months to look for cheaper rates.
Comparison Site App | App Store Rating | Google Play Rating |
|---|---|---|
| Insurify | 3.7 | 3.4 |
| Jerry | 4.6 | 4.2 |
| Way | 4.8 | 4.1 |
Insurify: Best for easy insurance comparison
Insurify’s mobile app makes it easy to start comparing car insurance quotes. Just fill out a short form, set your desired coverage limits, and access personalized quotes from more than 120 top car insurance companies. Whether you’re looking for a name-brand national insurer or a regional company, Insurify factors in available discounts to give you an accurate cost estimate.
Customers can even purchase an insurance policy right in the app — or speak to one of Insurify’s licensed insurance agents over the phone. And you don’t have to worry about Insurify misusing any of your data. Insurify doesn’t sell data to third parties, so you won’t get unwanted solicitations after comparing rates with the app. And if you'd rather AI handle your insurance shopping, Insurify is the only ChatGPT insurance app currently - connect it to your account and have ChatGPT use Insurify to compare car insurance for you.
Jerry: Best for vehicle management features
Jerry claims drivers can access quotes from up to 50 insurers in less than two minutes through its mobile app. Its PriceProtect feature factors in relevant discounts, connects you with agents, and offers automatic rate checks to avoid overpaying — all without long forms or unwanted phone calls.
The Jerry app offers some extra features that might appeal to certain customers, such as a GarageGuard program that offers price information from repair shops. You can also compare car loan options from a directory of top lenders — and potentially refinance your loan right in the app. Plus, its DataLock Guarantee protects your data.
Way: Best for added auto services
If you’re the kind of driver who likes everything in one place, the Way app is a great way to go. With its insurance-comparison service, Way claims drivers can shop from up to 300 companies in 30 seconds for free, pay online, and get car insurance instantly.
Way launched in 2015 as a parking reservation service and added auto insurance comparison, carwash subscription, and auto refinance features after receiving funding. Its other features include a map to find EV charging stations, roadside assistance (part of a Way+ membership), and a gas cash back program.
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Our sample driver
We created a driver profile intended to appear the most insurable to quoting engines and then went through the quoting process for each site. Our sample profile was for a 50-year-old female driver residing in a suburban area and driving a paid-off 2019 Hyundai Elantra.
Our driver has a clean motor vehicle record and average credit, rents her home, is single, and has a current in-force policy. She got her license at 17, commutes 10 miles per day to work, and is a high school graduate.
Our sample policy
We sought full-coverage quotes for:
$50,000 per person and $100,000 per accident in bodily injury liability
$50,000 in property damage liability
$1,000 collision/comprehensive deductible
Our rating criteria
Insurify’s researchers considered each site’s available online ratings, the number of real quotes the site served for our sample driver, prices of provided quotes, and ease of use. We also looked at customer reviews and whether using the site might result in spam emails, phone calls, or text messages. To assess spam risks, we created a test email account and tracked the number of emails it received.
Risks associated with car insurance apps
Car insurance apps often require drivers to enter personal data, such as bank account information, contact details, and driver identification information. Drivers should read their company’s privacy policy closely to make sure adequate security practices are in place.
Drivers enrolling in an app-based telematics program could also see rate increases, not savings, if the app detects poor driving habits. Many app users report frustration with telematics programs being extremely sensitive to hard braking, for example, or sometimes scoring trips where the policyholder was the passenger.
Car insurance app FAQs
If you want more information about finding a tech-savvy insurer or using a mobile app to compare rates, check out the additional information below.
What is the best car insurance app?
The State Farm mobile app has the highest ratings in the App Store (4.8) and Google Play Store (4.6). Customers praise the app for making it easy to access important policy information, file claims, and request roadside assistance.
Which is the best app for buying car insurance?
Insurify and Jerry are two of the best apps for buying car insurance. Both apps allow users to compare quotes and purchase coverage in minutes. Jerry’s smooth and easy quoting process and ability to store digital insurance cards make it a noteworthy app. Insurify ranks among the best for the number of real-time quotes it serves up and the ability for users to complete their purchases in the app.
What is the best app for comparing car insurance rates?
Insurify is the best app for comparing car insurance rates. While many car insurance apps let users see only three or four rates side by side, Insurify lets users see at least six quotes at once. The amount of available quotes lets drivers find the best rate in just a few minutes.
How does an insurance app know if you’re driving?
Insurance apps track data from smartphone sensors measuring your location, speed, acceleration, orientation, and more to monitor your driving. When you’re driving, your phone’s motion differs from when you’re a passenger.
Root Insurance, for example, measures your data during a test-drive period until it’s confident about your phone patterns. GEICO’s DriveEasy app tracks your motion in real time, but if the app gets it wrong, you can change your “driving role” to passenger so the trip doesn’t factor into rate calculations.
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Sources
- App Store. "State Farm."
- GEICO. "Easy Photo Estimate: Insurance Made Easy."
- App Store. "Progressive."
- Root Insurance. "Your driving is the #1 factor in your rate."
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Julia TaliesinEconomic Analyst, Insurance
Julia is an economic analyst and insurance correspondent at Insurify. Since joining Insurify in 2024, she’s researched and written 100+ articles on various insurance topics, including auto, home, renters, pet, and life insurance. She’s been quoted by publishers like Newsweek and the LA Times on topics ranging from the effects of climate change on home insurance rates to the costs of EV ownership.
She began her career as a local journalist, covering local government, business, and public health in the Boston area. She published multiple investigative stories, researching and analyzing public records to report on municipal finances and budget allocation, zoning and building development, and personnel.
Julia holds a Bachelor’s degree in communications from Simmons University, with a focus in journalism. Outside of work, Julia enjoys salsa dancing, singing in cover bands, and baking delicious treats.
Evelyn PimplaskarEditor-in-Chief, Director of Content
10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.