Best Digital Car Insurance Companies (2023)

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

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.

Best for good drivers: Root

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.

Best for drivers seeking easy, accurate quotes: Insurify

Insurify isn’t an insurance company. It’s an online marketplace that lets you compare quotes from multiple insurance companies all in one place. Insurify’s wide partner network includes some of the biggest names in car insurance as well as regional insurers and digital insurance companies.

You can think of Insurify as a virtual insurance agent assisting you in finding the best policy to meet your needs. Once you provide details about yourself, your vehicles, and your coverage needs, Insurify uses AI to find the best deals based on the information you provide.

Best for drivers who want to make a difference: Lemonade

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.

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.”

Esurance

One of the first digital insurance companies, starting way back in 1999, Esurance provides a positive customer experience on its mobile app, earning 4.8 stars on Apple’s App Store and 4.5 stars on Google Play. Digital insurance isn’t a new idea — Esurance has done it this whole time and has the A.M. Best ratings and great financial standing to remain a strong competitor.

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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.

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