120+ more*Quotes generated for Insurify users within the last 10 days. Last updated on June 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on June 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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AFCPE Accredited Financial Counselor
6 years experience in the personal financial industry
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
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7+ years experience in data analysis
Ph.D. in Computational Biology
Updated
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.
While you can 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 prefer working with an insurance agent, you’ll probably want to stick with a legacy insurance company.
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 below provides convenient online and mobile platforms for easy policy management.
| User Reviews | 4.1 |
|---|
Metromile's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 2.6 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 3.7 | 3.1 |
| Value | 3.6 | 2.9 |
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.
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.
Pay-per-mile insurance can help you save
People who drive fewer miles than average may receive lower rates
Get alerts about your car’s health on the mobile app
Available in only eight states
High number of customer complaints
Tracks your driving
| 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. | $108/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. | $178/mo |
Root's score | Industry average | |
|---|---|---|
| Coverage options | 3.2 | 3.2 |
| Customer service | 2.4 | 3.6 |
| Discounts | 2.8 | 2.9 |
| Policy transparency | 3.1 | 3.1 |
| Value | 2.8 | 2.9 |
Drivers appreciate the easy sign-up process and initial affordability but dislike the significant rate increases over time and difficulty reaching customer service.
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.
Potentially lower rates for people with good driving records and habits
Free roadside assistance
File claims within minutes
Must take a driving test
Won’t insure high-risk drivers
Not available in all states
| 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 |
|---|
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. Lemonade also plants trees based on your mileage to help reduce your carbon footprint.
Discounts for hybrid and EV drivers
Free roadside and emergency crash assistance
Plants trees to reduce your car’s carbon footprint
Tracks your location and driving habits
Must download the mobile app to manage your policy
Doesn’t offer rideshare insurance
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. Check out the mobile app ratings of some national insurance companies below.
Insurance Company  | Apple App Store Rating | Google Play Rating |
|---|---|---|
| Nationwide | 4.7 | 4.5 |
| Progressive | 4.8 | 4.6 |
| Liberty Mutual | 4.8 | 4.6 |
| Allstate | 4.8 | 4.1 |
Earning 4.7 stars out of 5 on Apple’s App Store and 4.5 stars on Google Play, Nationwide has a respectable mobile app that helps this 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.
With 4.8 stars on Apple’s App Store and 4.6 stars on Google Play, Progressive offers a very usable digital experience. You can pay bills, change your insurance coverage, add insurance policies, and download your documents and insurance cards with Progressive’s app.
Liberty Mutual is one of the nation’s largest insurance companies, and its mobile app reviews suggest it’s not going to be knocked aside by insurtech developers anytime soon. More than 460,000 reviewers on Apple’s App store rated Liberty Mutual’s app with 4.8 stars on average, and it received 4.6 stars on Google Play.
The Allstate mobile app receives great reviews from iPhone users and has 4.8 out of 5 stars. But, its Google Play rating is lower, at 4.1 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.
*Quotes generated for Insurify users within the last 10 days. Last updated on June 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on June 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
If you’re searching for a digital car insurance policy, check out the additional information below.
Whether Lemonade or State Farm has a better mobile app depends on the type of phone you have. For iPhone users, the insurers are tied, with 4.8 out of 5 stars. For Android users, State Farm might be the better choice. It has a Google Play rating of 4.6, compared to Lemonade’s rating of 3.9.
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.
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.
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.
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.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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AFCPE Accredited Financial Counselor
6 years experience in the personal financial industry
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
30+ years in financial services
Clinical Professor of Finance, University of San Diego
7+ years experience in data analysis
Ph.D. in Computational Biology
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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