Best Car Insurance Apps (2023)

Almost all 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 in recent years, 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.

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Top-rated car insurance apps

Finding the best car insurance company is key to getting the best coverage at the right price. But in modern times, it can also be important to manage your policy on the go via mobile app. Here are the insurers with top-rated apps customers can use to view their documents or file claims.

1. State Farm

State Farm offers the highest-scoring mobile app. Customers can use the app to manage their account, request roadside assistance, file claims, access auto insurance ID cards, and upload photos and documents during the claims process.

Customers enrolled in State Farm’s Drive Safe & Save telematics program will need to download the Drive Safe & Save app to record trips and access driving feedback. The Drive Safe & Save app has a 4.6 and 4.1 in the App Store and Google Play Store, respectively. Steer Clear, a telematics program for drivers younger than 25, also requires a separate app.

2. GEICO

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. And Vehicle Care, powered with CARFAX, tracks your vehicle’s service history, notes any 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 you with scores and feedback. The DriveEasy Pro app has mixed reviews, with 3.4 stars in the App Store and 3.3 stars in the Google Play Store.

3. Liberty Mutual

Liberty Mutual claims its app is the easiest way to pay your bills, update billing information, manage ongoing claims, store your insurance ID card, request roadside assistance, and view policy details. You can also use the app to update your payment schedule and enroll in auto pay. The app’s Express Estimate offers repair estimates based on photos in minutes.

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. Its site claims driving an hour per day for a month will use just 18 MB of data total.

4. Progressive

The Progressive app lets drivers view coverages and policy details, pay bills, view and save ID cards, report claims, request roadside assistance, and receive quotes for other Progressive insurance products. Progressive doesn’t store any of your personal information; the app encrypts and discards information once you submit it.

The Progressive Snapshot telematics program requires a separate app. The Snapshot app shows your recent trips, logs your full driving history, provides driving performance details, and offers tips to improve driving habits. Snapshot Mobile has 4.4 stars in the App Store and 3.6 stars in the Google Play Store.

5. Farmers

Farmers recently redesigned its mobile app. Policyholders can use the user-friendly 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 Farmers Signal telematics program must download a separate app to track their driving behavior and receive feedback. CrashAssist is an optional feature included with some policies 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 4.3 stars in the Google Play Store.

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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 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.

Insurify: 4.1 rating

Insurify makes it easy to start comparing car insurance quotes. Just fill out a short form, set your desired coverage limits, and access customized quotes from up to 20 different 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.

Jerry: 4.5 rating

Jerry claims drivers can access quotes from up to 50 insurers in less than two minutes. 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.

Jerry 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.

Gabi: 4.5 rating

The Gabi app compares insurance rates from at least 40 different companies, helping customers access the best rate in minutes. Simply upload your existing policy documents, and Gabi will compare your current rates to the broader insurance landscape — pointing you toward the most affordable policy.

Gabi assures users that it won’t share or sell their data and will never send customers unwanted messages or calls. Customers can also compare home insurance, renters insurance, umbrella insurance, and landlord insurance. People new to insurance may struggle with Gabi, as you must upload existing policy documents to compare quotes.

Cover: 4.7 rating

Cover helps drivers find the best rate on car insurance by connecting them with car insurance quotes from at least 30 insurers. Cover breaks the process down into three easy steps: Answer some simple questions about your background, receive the best price, and purchase coverage. Drivers who want to avoid phone calls will appreciate that Cover sends rates via text.

Cover combines artificial intelligence with expert advice to match users with the best policy for them in as little as three minutes — and you can call one of its advisors if you need assistance during the process. While ratings are high in the App Store, recent reviews of Cover skew negative.

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.

Security and data concerns

Most auto insurance apps claim they won’t sell or share your personal data. Drivers enrolling in telematics programs should be particularly aware of data usage, as these apps track your driving behavior. Telematics apps often note that they won’t track your location information as you drive.

Drivers concerned with data privacy can enroll in telematics programs that don’t track your location. For instance, Mile Auto simply requires drivers to take a picture of their odometer every month to track mileage and charges rates accordingly. Despite the privacy concerns, telematics programs reward good drivers for avoiding accidents and traffic violations.

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 took 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.

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