Best Digital Car Insurance Companies (2023)

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

Theresa Stevens
Theresa Stevens
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  • 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
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Chris Schafer
Chris SchaferSenior Editor
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Konstantin Halachev
Data reviewed byKonstantin Halachev
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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 June 21, 2023

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

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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.

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

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 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.

Pros
  • Highly rated by customers

  • No hidden fees

  • Can compare multiple insurance quotes at once

Cons
  • Only offers car, home, and life insurance

  • Partner company availability varies by state

  • You must provide your phone number to get quotes

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.

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.”

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.

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.

Sources

  1. SiteJabber. "Metromile." Accessed June 11, 2023
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.

Featured in

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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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