Compare the Best Car Insurance Apps

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elderly woman using car insurance app on her phone

There’s an app for everything these days, including your car insurance. Having an app makes managing your policy, paying your bill and even filing a claim more convenient. But, not all car insurance apps are made equal. 

If you’re shopping around for car insurance, you might want to consider the type of app provided by the company. When convenience is important to you, it can help you narrow down your decision.

Let’s explore the top car insurance apps on the market today. 

The 5 Best Car Insurance Apps

After taking a look at the average ratings from the Google App store and Apple Play store, we found some of the top apps available. Here’s an overview of  some of the most highly rated auto insurance company mobile apps:

Progressive Insurance App

Need all your coverage and policy features at the touch of your finger? The Progressive App completes the life cycle of auto insurance, enabling you to accomplish everything from getting a quote to paying your bill directly from your smartphone or tablet. You can even contact your agent or request roadside assistance directly from the app. Talk about convenience!

Google Play App Rating: 4.7

Apple App Store Rating: 4.7

State Farm Insurance Mobile App

Formerly known as State Farm Pocket Agent, this app has a new name and a new look. It’s possible to access auto insurance info and your bank account transaction history, find a locksmith, and even check in on a claim with State Farm’s mobile app. Select features are only available to registered users.

Google Play App Rating: 4.7

Apple App Store Rating: 4.8

GEICO Insurance Mobile App

A highly intuitive and personalized experience, the GEICO Mobile App provides functionality ranging from a virtual assistant named Lily to real-time accident assistance capabilities and the ability to access your digital insurance cards in a jiffy. Thanks to the high user ratings, we feel confident that  the GEICO app delivers on its promise to make the lives of its policyholders easier. 

Google Play App Rating: 4.6

Apple App Store Rating: 4.8

USAA Insurance Mobile

Not only does USAA regularly make top marks in customer satisfaction, but the company’s mobile phone app also offers a pleasant experience. In addition to the regular USAA mobile app, you can also download the USAA SafePilot mobile app to let USAA monitor your driving habits. If the company determines you’re a safe driver, you can receive a discount on your policy. That’s a mobile app that pays!

Google Play App Rating: 4.3

Apple App Store Rating: 4.8

Allstate Insurance Mobile App

The Allstate app strives to make managing your auto insurance policy easier. You’ll have around-the-clock access to basic information, like your digital insurance ID cards. Plus, you can file a claim, talk to an agent, or communicate with roadside assistance services directly in the app. Allstate’s Drivewise technology is built in as well, which can monitor your driving habits and potentially give you a discount for safe driving. 

Google Play App Rating: 4.6

Apple App Store Rating: 4.8

Car Insurance App Ratings

The features of an auto insurance app are important. But the user ratings will shed some light on whether or not it’s going to fit your needs. 

Here’s a look at how car insurance company apps stacked up against each other, according to customer reviews. 

Insurance Company Apple App Store Rating Google Play Store Rating Average Combined Rating
GEICO 4.8 4.6 4.7
State Farm 4.8 4.7 4.75
Progressive 4.7 4.7 4.7
All State 4.8 4.6 4.7
USAA 4.8 4.3 4.55
American Family 4.8 4.3 4.55
Nationwide 4.5 4.1 4.3
Travelers  4.7 3.6 4.15
Root 4.7 3.5 4.1
Hartford 3.9 2.6 3.25

Benefits of Using a Car Insurance App

The features and capabilities packaged within car insurance  apps run the gamut of utility and convenience. Some of the most basic functions enable you to:

Beyond these common  features, many car insurance companies offer the ability to track your driving habits through the app using telematics

The driving behavior insurance companies track might include phone use, average speeding, and whether you brake hard. These are seen as factors that can indicate whether you’re a safe driver or not. The best part is that if you are deemed a safe driver, you’ll often receive a lower rate on your premium. With that, it could be worth downloading the app for a potential discount. 

Additionally, some usage-based insurance companies (also known as pay-per-mile insurance) allow you to record your mileage through the app. Depending on the insurance company, you might take a picture of the odometer or simply allow the app to track your mileage.

How to Select the Best Car Insurance Provider Mobile Apps

man using a car insurance app for his vehicle

First of all, you want to keep in mind that your decision to choose an auto insurance company shouldn’t be based solely on app functionality. You want to ensure the company offers the coverage you need at rates that fit your budget. However, if you’re stuck between two companies and you’re using the app as a tie breaker, here are some tips to keep in mind. 

Ensure it Works With Your Device

You first want to ensure the app is compatible with your mobile device. The good news is  most apps today are built for the major software platforms, including Apple (iOS) and Android. Many are also available for the Kindle Fire and Windows Phones.

Compare the Core Functionality

Next, you want to look at the features the app offers. Is there something you want to be able to do like pay your bill or access your insurance card? If so, you can easily eliminate the apps that don’t offer those conveniences. 

Consider Bonus Features

Some insurance companies add additional unique features to their app that make it a no-brainer, so you want to consider these as well. 

For example, Geico has a mobile game called Tricky Traffic and Progressive has an Art App, which allows users to browse digital galleries of contemporary works while learning about artists. 

When comparing insurance companies, you should definitely take the time to review a provider’s mobile app options to determine if they offer beneficial features. It may not hold as much weight as available discounts and the premium itself, but depending on your provider, a solid insurance app can save you time down the road. 

FAQs About the Best Car Insurance App

Can you get car insurance with an app?

Yes, many auto insurance companies now offer mobile apps to make managing your auto insurance policy more convenient. 

Can you file a claim through your car insurance app?

This varies based on the auto insurance company. Many offer this feature, but others don’t yet have this functionality available. You want to check their features to see if it’s possible. 

Are car insurance apps worth downloading?

In most cases, yes, because they can make managing your auto insurance policy more convenient. However, it also depends on the features offered by the company and how often you’ll use them. 

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