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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The 3 best insurance mobile apps of 2020
- Best for the Commuter: Metromile
- Best for the New Driver: Allstate Drivewise
- Best for Parents: Esurance DriveSense
The coolest car insurance mobile apps at a glance
|Mobile App||Features||App Rating||Rewards Structure||SimpleScore|
*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.
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.
Best for new drivers – Allstate Drivewise
Learn good driving habits through Allstate’s app that rewards you with insurance discounts.
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.
Best for parents with teen drivers – Esurance DriveSense
Keep tabs on your teen’s driving behavior once they leave the nest.
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.
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:
- 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.
- 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.
- 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.
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
Do insurance apps protect my data?
Should I rely on the app 100% of the time?
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.
Too long, didn’t read?
Car insurance companies are getting increasingly creative when it comes to the auto insurance apps that they offer. While the ones listed above are our favorites on the market right now, only you know which apps will be the best fit for you. If you’re in the market for a new insurance provider and some extra savings, check out Esurance DriveSense and Allstate Drivewise.
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The SimpleScore is our proprietary scoring metric to compare products and services at The Simple Dollar in a transparent, evidence-based way. Our editorial team identifies five quantifiable aspects to compare for every brand, determines the rating criteria for each aspect score, then averages the five aspect scores to produce a single SimpleScore. For insurance mobile apps, we compared mobile app ratings, available discounts, access to non-customers, rewards structures and perks. Our ratings are meant to be a directional tool to help you in the process of choosing an insurance mobile app. Be sure to continue your research and shop around for the best insurance mobile that fits your specific needs.
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 firstname.lastname@example.org with comments or questions.