Best Digital Car Insurance Companies (2025)

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.

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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

Best for: Low-mileage drivers

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User Reviews	3.8 51 reviews
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.	NR

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Driver Reviews

3.8

A solid optionBased on 83 verified guest reviews and ratings

How drivers feel about Metromile

Drivers value the pay-per-mile concept, find the service user-friendly, and appreciate the initial low cost. But they dislike the frequent rate increases and difficult communication.

AI-generated from the text of verified reviews collected by Insurify

Best For

Low-mileage drivers

Pay-as-you go car insurance

Robust mobile app

How drivers feel about Metromile

Drivers value the pay-per-mile concept, find the service user-friendly, and appreciate the initial low cost. But they dislike the frequent rate increases and difficult communication.

AI-generated from the text of verified reviews collected by Insurify

Best For

Low-mileage drivers

Pay-as-you go car insurance

Robust mobile app

Reviews (51)

Denise

March 11, 2025

Verified Review

Excellent

I have had only one not-so-good experience with Metromile, and that was related to waiting.

Michael

November 3, 2024

Verified Review

Enjoyed the ride until the rate went sky-high

My payment went up by 50%.

Patrick

October 17, 2024

Verified Review

Stay Away

I used their services for 6 months, and then they raised my policy by 300% for no apparent reason. I believe they operate on a bait and switch type of scam, offering a great price in the beginning and then, bam!

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

3.25

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

Why we picked this company

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

Best for good drivers: Root

Best for Drivers with Clean Records

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User Reviews	3.1 421 reviews
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.	8.4 /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.	$65/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.	$116/mo

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Driver Reviews

3.1

A solid optionBased on 765 verified guest 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 (421)

Teresa

April 16, 2025

Verified Review

Retired and Frustrated

The price for a 6-month policy is outrageous at $750, and I've been informed that it's going up to $850. I have never had a claim or ticket in the 50 years I've been driving. I would stop driving for that price.

Sonya

April 16, 2025

Verified Review

My experience with Root has been horrible. When you start with Root, they let you install an app on your phone to monitor your driving. Your discounts are supposed to be based on this, but I've never received a discount and my price keeps increasing. I wouldn't recommend this to anyone. Also, due to some financial difficulties, I paid my insurance about a week late, which led to my policy being canceled. I understand this, but I paid it on the 3rd of March and they're telling me my insurance is due again on the 18th of April, which makes no sense.

My experience with Root has been horrible. When you start with Root, they let you install an app on your phone to monitor your driving. Your discounts are supposed to be based on this, but I've never received a discount and my price keeps increasing. I wouldn't recommend this to anyone. Also, due to some financial difficulties, I paid my insurance about a week late, which led to my policy being canceled. I understand this, but I paid it on the 3rd of March and they're telling me my insurance is due again on the 18th of April, which makes no sense.

Michael

April 12, 2025

Verified Review

Save Money Elsewhere

The rate was so high that I found a better deal elsewhere. Despite having a good driving report, the price was actually $10 more than originally quoted. It did cover me for my ride home after buying, but considering it was a $1000 car, the insurance cost was 20% of what I paid for the car per month. Despite them tracking my driving and acknowledging that I'm a good driver, there was no discount, and the price was $10 more. I ended up going back to Progressive.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

2.36

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

Why we picked this company

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

Best for drivers who want to make a difference: Lemonade

Best for drivers who want to make a difference

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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
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.	NR

Show Details

Driver Reviews

Best For

Easy claims process

EV drivers

Safe drivers

Best For

Easy claims process

EV drivers

Safe drivers

Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

NR

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

Why we picked this company

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.”

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.

Digital car insurance FAQs