The Coolest Car Insurance Mobile Apps of 2020

More and more car insurance companies are creating their own unique car insurance apps. Far beyond providing basic insurance quotes, these auto insurance apps provide feedback on your driving skills, track your mileage and even help you find your car in a busy street. We reviewed the coolest car insurance mobile apps by comparing an average of Google Play and App Store mobile app ratings, available discounts, access to non-customers, rewards structures and perks with our proprietary SimpleScore methodology.

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    In this article

      The 3 best insurance mobile apps of 2020

      The coolest car insurance mobile apps at a glance

      Mobile AppFeaturesApp RatingRewards StructureSimpleScore
      Metromile
      • GPS car tracking
      • Street sweep reminders
      • Mileage tracking
      • Pay-per-mile car insurance
      4.35/5
      • Multi-car discounts
      • Rate based on mileage
      3.6/5
      Allstate Drivewise
      • Parking reminders
      • Safe driving alerts
      • In-app roadside assistance
      4.6/5
      • Signup cash back
      • Points to spend
      • Discounts
      4.6/5
      Esurance DriveSense
      • Track driving habits
      3.9/5
      • Auto-customizing discounts
      2.6/5

      *Data accurate as of September 1, 2020. App ratings are an average of Google Play and Apple App Store ratings.

      Best for commuters – Metromile

      Save on short commutes with pay-per-mile coverage that you can track from your phone. Metromile sets itself apart from other car insurance companies by offering a pay-per-mile pricing model. The app helps you track your miles so you know where you stand in terms of your monthly car insurance expenditure. On top of its tracking capabilities, the app has lots of other useful features that can help commuters stay up-to-date on their vehicles. For example, you’ll get diagnostic updates on your car’s health, a feature to help you locate your car in a packed lot, and even street cleaning alerts in certain cities.

      Our Two Cents: Metromile is best for people who don’t drive very far, work from home or have a short commute. In 2020, that’s… well, just about everyone.

      SimpleScore: 3.6

      Eight Strategies for Fuel Efficient Driving

      Best for new drivers – Allstate Drivewise

      Learn good driving habits through Allstate’s app that rewards you with insurance discounts.If you’re just getting behind the wheel for the first time, you may want to consider using the Allstate Drivewise app to track your driving habits. The app tracks different aspects of your driving, such as your speed, how hard you brake and accelerate and the times of day that you drive. If Allstate determines that you’re a safe driver, you may be deemed eligible for extra discounts on your car insurance. Though, you can rest easy knowing that Allstate will not raise your rates in the event that you don’t get the best feedback from the app.

      Our Two Cents: While just the thought of knowing your driving is being monitored may be enough to instill better driving habits in some, the biggest perks is the savings you could get.

      SimpleScore: 4.6

      Best for parents with teen drivers – Esurance DriveSense

      Keep tabs on your teen’s driving behavior once they leave the nest. Parents of new teen drivers may want to consider enrolling in Esurance’s DriveSense program. DriveSense uses a device to monitor potentially dangerous driving habits such as texting and driving, speeding and hard braking. As the parent, you can select whether or not you want alerts to be sent to your phone whenever your teen engages in these risky driving behaviors. That way, you can make sure your child stays safe behind the wheel and help coach them on developing better driving habits for the future. While you don’t have to be an Esurance customer to use the DriveSense app, customers who enroll could save $100 with a safe driving discount.

      Our Two Cents: This app takes the guesswork out of managing your teen’s driving privileges so you won’t have to think twice about handing the keys over.

      SimpleScore: 2.6

      [Read: Want to Donate to a Good Cause? Try Using Your Insurance]

      What is a car insurance mobile app?

      Mobile apps are incredibly common, especially in the insurance industry. Typically, insurance companies make their products and account management features available on mobile platforms. Customers can view and update their policies, as well as file claims on mobile apps.

      However, in recent years, more apps have emerged that add a new dimension to car insurance and mobile apps. With apps like Drivewise and DriveSense by Allstate and Esurance, respectively, customers track their driving habits and collect further discounts or cashback rewards based on safe driving. On the other hand, Metromile uses a pay-per-mile insurance structure that charges you based on how much you drive your car.

      How to choose the best car insurance mobile app for you

      Mobile insurance apps offer a lot of perks that weren’t available just a few years ago. If you haven’t tried an insurance app yet, you might be missing out on time-saving convenience or even ways to save money on your monthly payments. Here’s how to find the right app for you:

      1. Find out if your insurance company has an app. Some insurers offer apps for their customers to use, but they’re usually not available to the general public. However, these apps are more likely to offer ways to lower your premiums.
      2. If not, compare and review car insurance mobile apps by features and perks. If you don’t think that paying for insurance by mile will work for you, then look at apps that have discounts related to your driving habits.
      3. Test out apps. Since the vast majority of insurance mobile apps are free, you can always download a few to your phone to try them out. Eventually, you can narrow down the options to the one you like best and delete the others.

      Compare Affordable Auto Insurance Rates

      Save money on auto coverage with our simple comparison tool.

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      We found results in
      Click at least 2-3 companies to find the very best rate.

        Should every insurance company have a mobile app?

        The insurance industry has been around for a long time, but insurance mobile apps are a fairly recent introduction to the market. But they’re taking off quickly; in fact, around half of U.S. millennials primarily use their smartphone to look for insurance. Currently, only about one in nine insurance activities happen on a smartphone, but this number is expected to rise in coming years.

        Not only do insurance apps provide convenience in an age when customers expect things to happen much faster, investment in smartphone technology is also a way for insurers to demonstrate that they care about their customers. Smartphone apps that help save people money on their premiums are a great way for insurance companies to provide value and make coverage more affordable.

        Insurance mobile app FAQ

        Most app stores have rules that developers must follow regarding data protection. For example, Apple has its own list of security measures regarding proper handling of collected information. However, you can also see how a particular protects your data by viewing the app’s privacy policy.

        As with all technology, you shouldn’t rely on an app all the time. There are always unforeseen circumstances that could arise: your phone could run out of battery or stop working, you could get stuck in a cellular dead zone, or the app’s servers could temporarily go down. If you rely on an app for essential services like roadside assistance, it’s always good to have a backup plan in mind.

        We welcome your feedback on this article and would love to hear about your experience with the car insurance apps we recommend. Contact us at inquiries@thesimpledollar.com with comments or questions.

        Methodology

        SimpleScore

        The SimpleScore makes it easy to compare products and services featured here on The Simple Dollar in a transparent, open and honest way. We rate these products and services using five factors and average them to calculate a single SimpleScore. For auto insurance, we compare:

        • Discounts
        • Coverage options
        • Support
        • Customer satisfaction
        • Accessibility

        You can read more about each factor and the details of each score in our auto insurance methodology. Use our ratings and editorial recommendations as you shop for the best auto insurance that fits your coverage needs.

        Car insurance rates: We used insurance rates from Quadrant Information Services. This includes analyzing thousands of rates from all 50 states that were publicly sourced from 2019 insurer filings. Rates are based on a 30-year-old male or female that had a clean driving record. Full Coverage premiums assumed a $500 collision and comprehensive deductible, and we looked at those who had both good and poor credit. These rates should be used to inform your car insurance shopping process, but your own quote may differ.

        Why do some brands have different SimpleScores on different pages?

        To ensure the SimpleScore is as helpful and accurate as possible, we developed unique criteria for every category we compare at The Simple Dollar. Since most brands offer a variety of financial solutions, their products and services will score differently depending on what we’re scoring on a given page.
        However, it’s also possible for the same product from the same brand to have multiple SimpleScores. For instance, if we compare State Farm’s home insurance according to our criteria for the best home insurance, it scores a 3.8 out of 5. But when we compare State Farm according to the criteria for the best auto insurance, it scores higher, since the features the company offers can vary by the type of insurance.

        Discounts

        We looked at the number of discounts each company offers — more discounts mean a higher score.

        Coverage Options

        We awarded higher scores to the companies that have the most coverage options.

        Support

        We awarded higher scores to lenders with the most channels for customer support.

        Customer Satisfaction

        We leveraged the J.D. Power 2019 Auto Insurance Satisfaction Study℠ to see how customers rated their experience with each company. (If a company wasn’t included in J.D. Power’s study, we skipped this aspect and averaged the four remaining aspect scores.)

        Accessibility

        We looked at the level of accessibility of each company –– the more resources they have the higher their score.

        Lisa Mellio

        Contributing Writer

        Lisa Melillo is a freelance writer and entrepreneur with a background in personal finance, insurance, and international business. In addition to contributing to Bankrate, she has appeared in Money and Reviews.com and frequently ghostwrites for other entrepreneurs.

        Lisa’s career has taken her around the globe; she has lived in four countries, speaks three languages, and holds two international degrees, including a Master’s in International Business from Universitat Pompeu Fabra in Barcelona. She currently spends most of her time in Connecticut, where she lives with her husband and two dogs.

        Reviewed by

        • Nashalie Addarich
          Nashalie Addarich
          Editor

          Nashalie Addarich is an editor for The Simple Dollar. She recently made a career switch from the legal field, where she was an attorney in Washington, DC. In her free time, she enjoys learning new languages. You can also find her editorial work on Reviews.com.