What are the Best Car Insurance Apps for 2024?
Find Cheap Auto Insurance Quotes in Your Area
State Farm has the best overall car insurance app because it's easy to use and it offers extra benefits and generous discounts.
Geico stands out for the many extra features you can access through its app. Liberty Mutual's safe driver program lets you save money while preserving your privacy.
When shopping for car insurance, the most important factors to consider are cost, coverage and customer service. But, if you're on the fence between two companies, it might be wise to pick the business with the better app.
What to look for in an app?
Car insurance mobile apps offer a range of benefits including easy claims filing, greater convenience and access to safe-driving discounts. However, apps vary in the number and quality of their features.
Picking a company with a high-quality app can make your life easier down the road when you need to file a claim or call a tow.
Some apps could potentially cut your rate by a third or more while others may increase your costs if you engage in risky driving behavior.
The best auto insurance apps are easy to use and have opportunities to earn discounts.
Car insurance app ratings
Google Play (out of 5) | Apple Store (out of 5) | |
|---|---|---|
| State Farm | 4.7 | 4.8 |
| Geico | 4.6 | 4.8 |
| Liberty Mutual | 4.6 | 4.8 |
| Farmers | 4.6 | 4.8 |
| Nationwide | 4.4 | 4.7 |
Best overall : State Farm
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Editor rating
- Apple Store rating: 4.8/5
- Google Play rating: 4.7/5
State Farm has the best overall car insurance app because of its many features, high ratings, intuitive user interface (UI) and opportunities for steep discounts. You can access many standard auto insurance app features with the State Farm app such as online bill pay, claim filing and tracking and virtual proof of insurance.
In addition to these basic features, State Farm lets you use Siri to send voice-to-text messages to your agent. The State Farm mobile app also has helpful roadside assistance features.
State Farm roadside services
- Get a tow
- Call a locksmith
- Gas or oil delivery
- Order a jumpstart
- Get help changing a tire
You can also sign up for State Farm's Drive Safe and Save program through the app. Drive Safe and Save tracks your driving habits and rewards you for following the speed limit, safely cornering, soft braking and other good driving practices.
You'll save 10% on your policy when you sign up for the policy and this can increase up to 30% or more depending on how safely you drive and where you live.
Best for extra benefits: Geico
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Editor rating
- Apple Store rating: 4.8/5
- Google Play rating: 4.6/5
Geico stands out for its wide range of app-based features, in addition to more standard services like online claim filing, digital ID cards and roadside assistance. Geico's app also comes with a variety of unique features, such as a virtual assistant, vehicle care and an easy photo estimate tool.
Geico mobile app standout features
- Virtual assistant: Geico offers an AI-powered virtual assistant that can answer questions about your policy, billing and more.
- Vehicle care: Get insights into your vehicle's history, create a maintenance schedule and get vehicle recall alerts.
- Easy photo estimate feature: You can upload a photo of your damaged vehicle to the app and get a repair estimate in just 20 minutes.
Geico also offers a program that tracks your driving and can lower your rates if you drive safely. You can save up to 10% on your policy during your first year. At renewal, this discount can increase to 25%.
Geico has a smaller maximum discount than many of its competitors.
In addition, Geico may raise your rates if you engage in risky driving behavior like hard braking or speeding. But, if you're a safe driver and you already have a Geico policy, enrolling in Geico's DriveEasy program might be worthwhile.
Best for discounts: Liberty Mutual
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Editor rating
- Apple Store rating: 4.8/5
- Google Play rating: 4.6/5
Liberty Mutual lets you save up to 30% on your car insurance when you enroll in their app-based safe driving program, RightTrack.
Liberty Mutual also has a 10% sign-up discount, and your rates won't go up regardless of how poorly you drive.
Unlike other insurance companies, Liberty Mutual only tracks your driving for 90 days. This may appeal to people who value their privacy since your driving habits will only be tracked for a short period.
In addition to its strong discount program, Liberty Mutual also has high ratings in both the Apple app store and Google Play. You can file and track claims, access a digital ID card and pay your bills through the app.
Car insurance comparison apps
You can also use apps to shop for car insurance. Car insurance aggregator that helps you pick the best cheap auto insurance policy for you by letting you view quotes from multiple companies at the same time.
These apps can help you find cheap car insurance by comparing quotes from multiple major car insurance companies.
What are the benefits of using an app for car insurance?
Car insurance apps make it easier to get in touch with your insurance company after you've had an accident. You can quickly file a claim, schedule a tow or find a mechanic with most apps.
Other major differences include app reliability and user experience (UX). Some apps are more prone to crash than others. Filing a claim or pulling up your insurance card may be easier with some apps than others.
Use the star rating on Google Play or the Apple Store to get an idea of how well your insurance company's app works.
While app performance has become increasingly important, it's still just one of many factors you should consider when buying car insurance. It may be worth putting up with a weak app if it means getting a cheaper rate on your car insurance.
However, if you have a choice between two auto insurance companies and one has a stronger app, you could use this factor to help make your choice.
Many apps also have good driving discount programs. It's important to note that the discount you can expect varies by app.
For example, State Farm offers up to a 50% discount in some locations if you're a safe driver enrolled in their telematics program. By contrast, Geico has a maximum safe-driver discount of 25%.
Greater convenience
One major benefit of using a car insurance app is the added convenience. For example, most car insurance apps let you file claims, access policy information and talk to a customer service representative or insurance agent.
Depending on your insurance company, you may be able to change your coverage through the app. In addition, many car insurance apps let you access a digital insurance card. These are accepted in every state except for New Mexico.
Apps also let you get important policy information. In some cases, apps can connect you to an agent or customer support representative. Some apps also offer roadside support assistance.
Easy claims filing
Mobile apps let you file claims quickly and efficiently. Unlike filing a more traditional claim, you don't need to speak to a person. This can save time and lead to faster claims processing.
Telematic and usage-based discounts
Many auto insurance companies now offer app-based safe-driver discounts through the use of telematics technology to track driving habits. Depending on the company, you may have to download a second app or you may be able to access the program through the company's main app.
These programs track various safe-driving factors such as how hard you brake, when you drive and how fast you drive. Telematic discounts typically max out at 30% to 40% of your monthly rate. In addition, many companies offer an automatic discount when you sign up.
Some companies like Progressive, Allstate and Geico may raise your rates if you have risky driving behavior. Other companies like Nationwide, State Farm and USAA won't raise your rates regardless of how badly you drive.
Frequently asked questions
What is the best car insurance app?
State Farm has one of the best overall car insurance apps. It has high ratings on the Google Play and Apple Store which reflect a strong user experience, a well-designed interface and a variety of helpful features.
How much does a car insurance app lower your insurance?
Enrolling in a telematics or usage-based program can lower your monthly rate by up to 50% in some circumstances. However, a more typical discount for safe drivers is 10 to 30%.
Keep in mind that some companies may raise your rate if you engage in dangerous driving practices like speeding or hard braking.
Are insurance driving apps a good idea?
Yes, it's generally a good idea to download your insurance company's driving app to take advantage of the convenience, features and discounts.
Some people may choose not to sign up for a telematics or usage-based driving program because of privacy concerns. However, you can still use other features like online bill pay and digital ID cards even if you don't participate in a safe-driving program.
Sources and methodology
ValuePenguin used Google Play and the Apple Store to find customer ratings data for iOS and Android apps. Information about specific apps and usage-based programs came from the State Farm, Geico, Allstate, Nationwide and Liberty Mutual websites.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.