The Best Auto Insurance Mobile Apps in 2024

The insurance world has begun to lean heavily toward consumer comfort, meaning a rise in easy-to-use apps. An app can be a great time saver for accessing all your car insurance needs, from filing a claim to checking your balance. You can download apps through the Apple App Store or the Google Play Store. 

Most auto insurers understand the need for drivers to have as much information as possible on the go, so there are many choices. Plus, some car insurance apps take things further by using telematics.

Telematics allows your app to track your driving, providing the data to your car insurance company. With that data, your insurer could potentially offer discounts on your rates. Geico, Allstate, and State Farm are examples of auto insurance companies offering this type of app. However, there are auto insurance companies that don’t monitor your driving.

If an app is a make-or-break factor when choosing an insurance company, we will cover the best auto insurance companies‘ apps and what makes a good app on the market.

What makes a good insurance app? 

An app should be easy to navigate for people of all age groups, with little guesswork on accessing particular features. For example, if you’re looking for policy pricing, there should be an easy way to find that specific information without going through too many steps.

Usability is important, but so is stability. For example, an app that often crashes or freezes constantly won’t be reliable in the user’s eyes. Plus, an unusable app could create a massive headache if a driver is on the road and needs access to their insurance information.

So, drivers should evaluate customer reviews of an app to determine whether it would be easier to use the website instead.

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Ratings of Most Popular Car Insurance Apps

A mobile app can lower your auto insurance rates, but whether or not you download one might depend on how the app works. Currently, Geico, Allstate, and Progressive rank highest on the Apple Store, with a 4.8 out of 5 stars overall. 

However, on the Google Play Store, Geico drops to 4.6 out of 5, while Progressive, Liberty Mutual, and State Farm compete for first place with a 4.7 out of 5. 

Interestingly, Geico’s DriveEasy Pro has the lowest rating on both platforms but a smaller number of overall reviews. However, the standard Geico app has over 3.4 million ratings on the Apple Store, so it’s also necessary to look at how many people have reviewed an app and the overall number of stars.

In-Depth Examples of the Best Car Insurance Apps

Several companies top the list of having the best car insurance apps, depending on your platform. Most insurance companies offer an app available to iPhone or Android devices.

However, be mindful when downloading an app, as there are plenty of copycats. Double-check the ratings, and ensure it’s verified with the app store you’re using.

State Farm

State Farm’s app allows drivers to view their insurance policy, file/manage ongoing claims, request roadside assistance, and talk to a live agent. You can also access a mobile insurance card if your state accepts digital insurance records.

The State Farm Drive Safe & Save also ranks well on both app stores, each with thousands of reviews. This telematics app monitors driving habits to provide a discount on insurance rates. In addition, drive Safe & Save offers suggestions and helpful information according to the data received.

State Farm also offers a Steer Clear app, which helps young drivers. The app motivates them to practice safe driving habits with the reward of a policy discount should they maintain a clean and safe driving record. It has a fairly high rating of 4.7 on the Apple App Store, but only a 3.6 on the Google Play Store.

Visit our State Farm auto insurance review for more information about the company.

Geico 

The Geico mobile app lets you access digital insurance ID cards, call for roadside assistance, and get photo estimates. With this helpful feature, if you’re in a minor accident or notice a dent in your door, you can submit photos of the damage and receive an estimate in around 20 minutes.

You also have access to a virtual assistant, which can be useful if you need information quickly and don’t have time to wait for an agent. The vehicle care feature, powered by CARFAX, helps you keep track of your service history. It also lets you check for any active recalls on your car, and you can even schedule maintenance in advance.

Geico also offers Geico DriveEasy for day-to-day drivers and DriveEasy Pro, designed for small business owners. You can access DriveEasy through the standard Geico mobile app.

Drivers who maintain safe driving habits will save money on their policy. It logs your trips and scores your driving based on several factors. For example, speed, hard braking, and phone use get tracked to give you an overall score. Learn more about Geico at our Geico auto insurance review.

Allstate

With the Allstate mobile app, you can pay your bills, contact your insurance agent, view policy documents, and access digital proof of insurance with a digital ID card. However, you’ll want to ensure your state accepts digital proof of insurance.

The app also allows you to access the Allstate Digital Footprint, which shows you what information some companies collect and how it gets used. You can also utilize the QuickFoto Claim, where you upload photos of your vehicle damage so Allstate can work on a claim. 

Allstate also has the Allstate Milewise app, which offers updated rates each policy period, meaning you could save money every time your policy renews. There’s a 10% discount just for signing up and another 6% for becoming an active app user.

The app tracks driving habits like speeding, braking, and driving at late hours. Drivewise also comes with features such as crash detection, personalized driving feedback, and goals you can set to practice safe driving.

Progressive

Progressive touts ease of use with their mobile app, offering policy information, bill pay, and digital ID cards. You can also request roadside assistance through the app, so you don’t have to call for it.

The app also allows you to obtain mobile auto insurance quotes, discover what policy changes you can make, and what each change will cost. The Progressive app is available through the Google Play Store and the Apple App Store.

Progressive lists permissions the app uses, such as location, photos, files, and microphone. Plus, the app lists the policy types you can manage since Progressive offers more than just auto insurance. 

You can also manage RV, trailer, mobile home, and boat policies. Right now, you can’t manage your home, umbrella, and renters insurance through the app.

Check out our Progressive auto insurance review to learn more.

Liberty Mutual

Liberty Mutual is another insurance company offering two different apps. The standard app allows you to manage your policy in several ways. For example, you can pay your bill, check for policy changes, obtain a digital ID card, and manage claims.

You can see your entire profile, including covered vehicles, drivers, and coverage details. There’s much less information about the app than others, but with a score of 4.8 through Apple and 4.7 through Google, it seems to be a user-friendly mobile option.

Not to be confused with the Liberty Mutual RightTrack app, Liberty Mutual’s mobile driving program, the standard app doesn’t track your driving habits. However, you’ll have to give the app permission to download an ID card or upload photos.

Our Liberty Mutual auto insurance review will provide more information.

Farmers

The Farmers mobile app recently got a facelift, though it still says it has the same features. There are many options available to drivers through the app, including the ability to manage auto, home, umbrella, and life insurance policies. You can even acquire a mobile quote through the app. (For more information, read our “How to Manage Your Auto Insurance Policy“)

If you need to pay a bill, access your policy documents and digital ID card, talk to your agent, or report a claim, you can do so in the app. Plus, if you sign up for electronic billing, you can receive notifications through your phone regarding your bill and other policy updates. 

Farmers also offers the Farmers Signal program as well as a handy FAQ section in case users forget their username and password, or have trouble logging into the app.

Visit our Farmers auto insurance review for more information.

Why should companies focus on an app? 

Drivers choosing an insurance company to buy a policy from won’t just expect a solid website — many want a simpler way to access insurance information, and apps allow them to do so with one tap. Some states also allow drivers to utilize electronic insurance proof.

A mobile app is not only a modern approach to accessing auto insurance information but a time saver for companies. Customers can find answers to their questions through an app, so customer service wait time decreases as more drivers turn to mobile apps.

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Auto Insurance Apps With Telematics

Telematics allows insurance companies to track your driving to reward you for safe and efficient driving with usage-based insurance. Telematics devices measure several elements, including mileage, time of day, where the vehicle gets driven, etc.

Sometimes, a car insurance app is separate from a telematics app. Not all drivers want their usage monitored, so there’s a choice.

The following are a few examples of auto insurance apps using telematics:

• Drivewise by Allstate
• Drive Safe & Save by State Farm
• DriveEasy by Geico
• SmartRide by Nationwide (For more information, read our “Nationwide SmartRide Review: Should you buy?).
• Snapshot by Progressive
• RightTrack by Liberty Mutual

Depending on your insurer, you could get rewarded for safe driving. In addition, discounts are common, like low-mileage discounts and safety feature discounts.

Customer Reviews for Top Car Insurance Apps

When shopping for car insurance, you’ll often look at what other people say about a company to form a first impression. So, regardless of your experience, it’s helpful to leave reviews so others can benefit from your comments.

We’ve taken the top five apps for comparison to show how close the numbers are, but also to show the number of customer reviews each app has:

• Liberty Mutual. Users say Liberty Mutual’s app makes accessing information easy. However, the downside is that the app can be slow to use and might close unexpectedly.
  • Apple: 4.8 with 270.6k ratings
  • Google: 4.7 with 80.2k reviews

• Progressive. Drivers with the standard Progressive app have reported that it’s easy to use but are unhappy that Snapshot is a separate app.
  • Apple: 4.8 with 66.2k ratings
  • Google: 4.7 with 69.4k reviews

• State Farm. Users say the State Farm app is convenient to use. The downside is that the app is on the slower side and can freeze up.
  • Apple: 4.8 with 594.2k ratings
  • Google: 4.7 with 121k reviews

• Geico. Drivers who use the Geico app say that it’s easy to use and user-friendly. The downside comes from its DriveEasy program, where drivers say the data isn’t always accurate, and the app has problems determining your location in a vehicle.
  • Apple: 4.8 with 3.4M ratings
  • Google: 4.6 with 448k reviews

• Farmers. Drivers say the app is easy to use, intuitive, and user-friendly. However, users report the app slowly boots up, gives error messages, or requires users to verify themselves despite having the app for some time.
  • Apple: 4.8 with 12.3K ratings
  • Google: 4.6 with 7.45k reviews

Although Geico has the most overall reviews between both app stores, State Farm, Progressive, and Liberty Mutual have the smallest lead for Google ratings. Geico has 4.8 with Apple and 4.6 with Google. While State Farm, Progressive, and Liberty Mutual also have a 4.8 with Apple, all three have a 4.7 on Google. Farmers’ ratings tied with Geico, but it has significantly fewer reviews on both app stores.

Regarding customer satisfaction reviews, Geico has the most on Apple, with 3.4 million ratings. Next comes Allstate, an app that didn’t make it to the top five, with 811k ratings, followed by State Farm, with 594.2k ratings.

You should always compare an app’s number of reviews to its overall ratings. For example, while Geico’s DriveEasy Pro only has a 3.2 on Apple, it only has 99 ratings.

Allstate is also a good example of why a driver should look at the number of stars an app has and the number of reviews.

We’ve compared Allstate to AAA for this example: 

• Allstate
  • Apple: 4.8 with 811k ratings
  • Google: 3.9 with 96.1k ratings

• AAA
  • Apple: 4.5 with 45.4k ratings
  • Google: 4.4 with 49.7k reviews

While the AAA auto insurance app has a higher star level than Allstate on the Google Play Store, it only has around half the amount of reviews. The low number of reviews could be why AAA has a better rating on Google, so it’s important to let other drivers know how well or poorly an app works.

What features are available with a car insurance app? 

Available car insurance app features depend on the functions an insurance provider builds into the download.

There are several basic features you can access across the board, such as:

• Paying your bill
• Filing and managing claims
• Reviewing or renewing your policy
• Receiving notifications about your account status

However, other functions aren’t available with every app. In some cases, you’ll also be able to do the following:

• Call for roadside assistance
• Upload photos or documents
• Work with virtual customer service reps
• Request a quote for a new policy
• Talk directly to your agent if you have one

It can be incredibly beneficial to sit down with a newly installed app and learn how it works.

Benefits of Using a Car Insurance App

There are plenty of benefits that come along with using an auto insurance app. While it might initially seem strange, given that all smartphones have access to insurance websites, apps can further simplify the process.

For one, you can stay logged in so that all you have to do to access your information is open the app. From there, you can find everything you need if you know how to navigate the settings.

As mentioned above, if you still have questions, some apps allow you to work with a digital customer service agent. An app can save you more time than visiting a website if you’re already logged in and using your phone to review your policy. 

Some financial rewards also come into play with using apps since insurance companies provide discounts for going paperless or using their telematics-driven apps.

Is having a usable app essential for auto insurance? 

Insurance companies have begun to need a strong mobile experience, as a usable app is just as important as an easy-to-use website. Drivers will now begin to look at the reviews and ratings of an app alongside browsing websites.

Gaining website traffic and app users is necessary for a successful insurance company. As mentioned above, drivers often look to the numbers and other people’s opinions before deciding on a company.

When an insurance company has a strong online presence, complete with a simple, efficient website and a stable app, drivers are more likely to gravitate toward that company. 

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Does it cost money to download a car insurance app?

If you’re concerned about finding a cheap car insurance app, the good news is that an insurance app doesn’t cost anything to download. There are many copycat apps, so if you see one listed as the cheapest car insurance app for your provider, chances are it’s not legitimate, and you shouldn’t download it.

Always go through your insurance provider’s website to find the actual app to keep your information secure. If you’re still unsure if an app is safe, check the reviews to see what other people say. Many people warn against false companies so you don’t get scammed also.

The Best Auto Insurance Apps Reviewed: The Bottom Line

Anyone who wants to save time and money should consider downloading an app for their insurance coverage if the same company provides it. There are many contenders for the best insurance app, with companies such as Geico, State Farm, and Allstate leading the charge. 

However, it comes down to what you want to control from your phone and whether your insurance provider’s mobile app has those features. A mobile app is a great benefit, especially while you’re on the road, as it lets you have all the insurance information you might need. 

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