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The Coolest Car Insurance Mobile Apps of 2020
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. 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.
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.
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.
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.
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 email@example.com with comments or questions.