Table of contents
- Top-rated apps
- State Farm
- GEICO
- Liberty Mutual
- Progressive
- Farmers
- Comparison apps
- Risks of apps
- Methodology
- FAQs
Table of contents
- Top-rated apps
- State Farm
- GEICO
- Liberty Mutual
- Progressive
- Farmers
- Comparison apps
- Risks of apps
- Methodology
- FAQs
Most major national and regional car insurance companies now offer mobile apps, many of which let policyholders file claims, manage their accounts, and access roadside assistance from their smartphones. A good insurance app has become a must-have for customers in recent years, so insurers are putting more resources into providing seamless mobile experiences.
State Farm and GEICO offer the highest-rated mobile apps, earning near-perfect scores in the Apple App Store and Google Play Store. Learn more about the best car insurance mobile apps available.
Quick Facts
National auto insurance companies earn the highest customer ratings, with the top five car insurers by market share all earning more than four stars.
Most insurance companies require drivers to download a separate app to access their telematics program, though Liberty Mutual is a notable exception.
A confusing user interface or persistent bugs are common customer complaints.
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Top-rated car insurance apps
Finding the best car insurance company is key to getting the best coverage at the right price. But in modern times, it can also be important to manage your policy on the go via mobile app. Here are the insurers with top-rated apps customers can use to view their documents or file claims.
Insurer App ▲▼ | App Store Rating ▲▼ | Google Play Rating ▲▼ |
|---|---|---|
| State Farm | 4.8 | 4.7 |
| GEICO | 4.8 | 4.6 |
| Liberty Mutual | 4.8 | 4.6 |
| Progressive | 4.8 | 4.6 |
| Farmers | 4.8 | 4.6 |
1. State Farm
Compare personalized, real-time quotes
| User Reviews | 3.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $55/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $121/mo |
State Farm offers the highest-scoring mobile app. Customers can use the app to manage their account, request roadside assistance, file claims, access auto insurance ID cards, and upload photos and documents during the claims process.
Customers enrolled in State Farm’s Drive Safe & Save telematics program will need to download the Drive Safe & Save app to record trips and access driving feedback. The Drive Safe & Save app has a 4.6 and 4.1 in the App Store and Google Play Store, respectively. Steer Clear, a telematics program for drivers younger than 25, also requires a separate app.
Pros
Highest rating in App Store and Google Play Store
Easy to upload photos and documents during the claims process
Cons
Drivers enrolled in State Farm’s telematics programs must download separate apps
Some user reviews note that it’s easier to call for help than use the app
Read more driver reviews of State Farm
Christopher
- September 11, 2024
Verified
I believe that State Farm, like many other insurance providers, needs to offer lower premiums. We have been with State Farm for many years and haven't made any claims, yet our premiums are extremely high. With the current economic inflation, it's challenging enough to provide meals for our family, let alone pay our insurance.
I believe that State Farm, like many other insurance providers, needs to offer lower premiums. We have been with State Farm for many years and haven't made any claims, yet our premiums are extremely high. With the current economic inflation, it's challenging enough to provide meals for our family, let alone pay our insurance.
Debra
- September 11, 2024
Verified
Great Company
It's a great company. I've had no problems, except for trying to get a paper copy of proof of insurance.
Julia
- September 11, 2024
Verified
Too High!
The rates are too high!
…
 "Best Car Insurance Apps (2024) | Insurify (7)")
 "Best Car Insurance Apps (2024) | Insurify (8)")
2. GEICO
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| User Reviews | 3.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $55/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $121/mo |
The GEICO mobile app is one of the most feature-rich auto insurance apps available. The Easy Photo Estimate feature offers an estimate of your vehicle’s repairs after you submit a photo of your car’s damage. And Vehicle Care, powered with CARFAX, tracks your vehicle’s service history, notes any open recalls, and helps you create a maintenance schedule.
Drivers enrolled in GEICO’s DriveEasy telematics program need to download the separate GEICO DriveEasy Pro app. The mobile app tracks your driving performance and provides you with scores and feedback. The DriveEasy Pro app has mixed reviews, with 3.4 stars in the App Store and 3.3 stars in the Google Play Store.
Pros
Quick access to insurance ID cards, including storage in your Apple wallet
Use the app to quickly request roadside assistance
Cons
Drivers enrolled in GEICO’s DriveEasy telematics program need to download a separate app
Some recent reviews complain of long loading and processing times
Read more driver reviews of GEICO
Benjamin
- September 11, 2024
Verified
It's all good except for the price
The premium price has gotten out of hand. It's $450 annually more than my current provider.
Harvey
- September 11, 2024
Verified
Glad to be rid of the lizard!
The price increased three times in the two years I was with them. There was no explanation given. I requested for my annual 'usage' to be reduced in order to lower my bill, but that never happened.
Eugene
- September 11, 2024
Verified
Excellent
Excellent
…
 "Best Car Insurance Apps (2024) | Insurify (10)")
 "Best Car Insurance Apps (2024) | Insurify (11)")
3. Liberty Mutual
Compare personalized, real-time quotes
| User Reviews | 2.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.7/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $138/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $254/mo |
Liberty Mutual claims its app is the easiest way to pay your bills, update billing information, manage ongoing claims, store your insurance ID card, request roadside assistance, and view policy details. You can also use the app to update your payment schedule and enroll in auto pay. The app’s Express Estimate offers repair estimates in minutes based on photos policyholders upload to the app.
Drivers enrolled in Liberty Mutual’s RightTrack telematics program can track driving performance and receive scores right in the Liberty Mutual mobile app — no need for a separate app. Its site claims driving an hour per day for a month will use just 18 MB of data total.
Pros
Customers can access the RightTrack telematics program without downloading an additional app
The app offers efficient data usage
Cons
RightTrack enrollees must download the app to receive their 10% discount
App may quickly use up battery life, depending on your phone
Read more driver reviews of Liberty Mutual
Bruce
- September 10, 2024
Verified
After 20 years they let me walk away
About 10 years ago, a fraudulent claim was made against me. Despite my insistence that it was fraud, the company still paid the claim. I had been with them for over 20 years, with no claims or charges in the last 5 years. However, they sent a notice that my rates would increase by another 33%. After finding a much better deal elsewhere, 50% less to be exact, I contacted them, but they showed no interest in reconsidering the issue. Consequently, I have moved on.
Dwaine
- September 10, 2024
Verified
Not Pleasing
Their rates are too high and bad. The coverage plans and customer service are mediocre.
James
- September 10, 2024
Verified
Several Incidents Handled Very Effectively
Great service! Terrific people!
…
 "Best Car Insurance Apps (2024) | Insurify (13)")
 "Best Car Insurance Apps (2024) | Insurify (14)")
4. Progressive
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| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 819 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $79/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $138/mo |
The Progressive app lets drivers view coverages and policy details, pay bills, view and save ID cards, report claims, request roadside assistance, and receive quotes for other Progressive insurance products. Progressive doesn’t store any of your personal information; the app encrypts and discards information once you submit it.
The Progressive Snapshot telematics program requires a separate app. The Snapshot app shows your recent trips, logs your full driving history, provides driving performance details, and offers tips to improve driving habits. Snapshot Mobile has 4.4 stars in the App Store and 3.6 stars in the Google Play Store.
Pros
Saves IDs for easy access — including offline storage for when you’re on the road and lack internet connection
Separate Snapshot mobile app has high customer ratings
Cons
Drivers enrolled in Progressive Snapshot need to download a separate app
Reviews say the app often directs users to complete tasks on website
Read more driver reviews of Progressive
Mary
- September 11, 2024
Verified
Ripoff
It's too expensive!
Bonnie
- September 11, 2024
Verified
I switched to Progressive and initially received a decent rate. However, within three months, they increased my rate by $40 per month.
I switched to Progressive and initially received a decent rate. However, within three months, they increased my rate by $40 per month.
Pattiann
- September 11, 2024
Verified
The Good, The Bad, The Ugly
I like my coverage, but it's so expensive.
…
 "Best Car Insurance Apps (2024) | Insurify (16)")
 "Best Car Insurance Apps (2024) | Insurify (17)")
5. Farmers
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| User Reviews | 3.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.3/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $112/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $248/mo |
Farmers recently redesigned its mobile app to make it more user friendly. Policyholders can use the user-friendly app to pay bills, manage payment options, view policy documents, file claims, request roadside assistance, connect with agents, receive quotes on other insurance products, and more.
Drivers enrolled in the Farmers Signal telematics program must download a separate app to track their driving behavior and receive feedback. CrashAssist is an optional feature included with some policies that detects if you’ve been in a crash and notifies authorities for help. The Signal by Farmers app has 4.8 stars in the App Store and 4.3 stars in the Google Play Store.
Pros
Offline access lets you view policy information without an internet connection
Recent reviews praise the app’s fresh new look and easier navigation
Cons
Drivers can’t update their billing address or store multiple addresses in the app
Not all policyholders can access CrashAssist in the Signal telematics app
Read more driver reviews of Farmers
Deborah
- September 10, 2024
Verified
Farmers Insurance Review
There's an annual membership fee of $30.00, but I'm not sure what it's for. The monthly insurance is expensive, especially considering I have two homes bundled with my auto insurance.
Sharon
- September 10, 2024
Verified
Bad Experience with Farmers
Farmers removed us from our Homeowners insurance, forcing us to scramble to find coverage. That was when we knew we would be leaving the Farmers family. Then, when our auto insurance costs doubled, we knew it was the end. We loved our broker, but not Farmers.
Joseph
- September 10, 2024
Verified
High Premiums Despite No Accidents
I recommend trying somewhere else.
…
 "Best Car Insurance Apps (2024) | Insurify (19)")
 "Best Car Insurance Apps (2024) | Insurify (20)")
Cheapest recent rates
Drivers have found policies from Mile Auto, Farmers, Allstate, and more, for rates as low as $34/mo. through Insurify
*Quotes generated for Insurify users within the last 10 days. Last updated on September 12, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from September 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on September 12, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from September 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Highest-rated car insurance comparison apps
Getting auto insurance quotes from multiple insurers and comparing them side by side is one of the best ways to unlock savings. Several highly rated apps allow drivers looking for new insurance to access quotes in minutes. The best comparison apps make it easy to find the ideal car insurance policy for your needs and budget.
Most car insurance comparison apps claim customers save hundreds of dollars on average after comparing quotes. Car insurance companies can raise your rates after renewal — even if you’re a loyal customer. That’s why Insurify recommends shopping for coverage every six to 12 months to look for cheaper rates.
Insurify: 4.1 rating
Insurify's mobile app makes it easy to start comparing car insurance quotes. Just fill out a short form, set your desired coverage limits, and access customized quotes from up to 20 different car insurance companies. Whether you’re looking for a name-brand national insurer or a regional company, Insurify factors in available discounts to give you an accurate cost estimate.
Customers can even purchase an insurance policy right in the app — or speak to one of Insurify’s licensed insurance agents over the phone. And you don’t have to worry about Insurify misusing any of your data. Insurify does not sell data to third parties, so you won't get unwanted solicitations by comparing rates with the app.
 "Best Car Insurance Apps (2024) | Insurify (21)")
 "Best Car Insurance Apps (2024) | Insurify (22)")
Pros
Quick setup and easy to navigate
Several customer reviews mention finding better rates with Insurify
Cons
Customer ratings aren’t as high as some alternatives
Fewer ratings than competitors
Jerry: 4.5 rating
Jerry claims drivers can access quotes from up to 50 insurers in less than two minutes via its mobile app. Its PriceProtect feature factors in relevant discounts, connects you with agents, and offers automatic rate checks to avoid overpaying — all without long forms or unwanted phone calls.
Jerry offers some extra features that might appeal to certain customers, such as a GarageGuard program that offers price information from repair shops. You can also compare car loan options from a directory of top lenders — and potentially refinance your loan right in the app. Plus its DataLock Guarantee protects your data.
 "Best Car Insurance Apps (2024) | Insurify (23)")
 "Best Car Insurance Apps (2024) | Insurify (24)")
Pros
Can buy insurance right in the app in just a few steps
Fast service without calling an agent
Cons
Some reviews complain of inaccurate estimates
Some customers cite unwanted phone calls from Jerry
Gabi: 4.5 rating
The Gabi app compares insurance rates from at least 40 different companies, helping customers access the best rate in minutes. Simply upload your existing policy documents, and Gabi will compare your current rates to the broader insurance landscape — pointing you toward the most affordable policy.
Gabi assures users that it won’t share or sell their data and will never send customers unwanted messages or calls. Customers can also compare home insurance, renters insurance, umbrella insurance, and landlord insurance. People new to insurance may struggle with Gabi, as you must upload existing policy documents to compare quotes.
 "Best Car Insurance Apps (2024) | Insurify (25)")
 "Best Car Insurance Apps (2024) | Insurify (26)")
Pros
Won’t share or sell your data
Can compare other insurance policies, such as homeowners insurance
Cons
Must have an existing policy to use quote comparison
Recent uptick in negative reviews in the App Store
Cover: 4.7 rating
Cover's mobile app helps drivers find the best rate on car insurance by connecting them with car insurance quotes from at least 30 insurers. Cover breaks the process down into three easy steps: Answer some simple questions about your background, receive the best price, and purchase coverage. Drivers who want to avoid phone calls will appreciate that Cover sends rates via text.
Cover combines artificial intelligence with expert advice to match users with the best policy for them in as little as three minutes — and you can call one of its advisors if you need assistance during the process. While ratings are high in the App Store, recent reviews of Cover skew negative. "Best Car Insurance Apps (2024) | Insurify (27)")
 "Best Car Insurance Apps (2024) | Insurify (28)")
Pros
Mobile-first platform that uses artificial intelligence to deliver prices
You can text your advisor at any time for help
Cons
Unavailable in the Google Play Store
Reviews mention problems with long load times and bugs
Risks associated with car insurance apps
Car insurance apps often require drivers to enter personal data, such as bank account information, contact details, and driver identification information. Drivers should read their company’s privacy policy closely to make sure adequate security practices are in place.
Security and data concerns
Most auto insurance apps claim they won’t sell or share your personal data. Drivers enrolling in telematics programs should be particularly aware of data usage, as these apps track your driving behavior. Telematics apps often note that they won’t track your location information as you drive.
Drivers concerned with data privacy can enroll in telematics programs that don’t track your location. For instance, Mile Auto simply requires drivers to take a picture of their odometer every month to track mileage and charges rates accordingly.
Despite the privacy concerns, telematics programs reward good drivers for avoiding accidents and traffic violations. But be aware that some telematics programs can penalize users for bad driving habits.
How Insurify evaluated car insurance apps
Insurify evaluated car insurance apps using ratings from the Apple App Store and Google Play Store, the number of reviews, and the insurance companies’ market share, according to the National Association of Insurance Commissioners.
We took the top insurance companies by market share and compared their Apple App Store and Google Play Store ratings, breaking ties with the number of reviews customers submitted. We also considered whether the insurer offered a telematics program within its main insurance app or if users have to download a separate telematics app.
Car insurance app FAQs
Check out Insurify’s guide on usage-based car insurance, and read the answers to common questions about car insurance apps below.
What is the best car insurance app?
The State Farm mobile app has the highest ratings in the App Store (4.8) and Google Play Store (4.7). Customers praise the app for making it easy to access important policy information, file claims, and request roadside assistance.
Which is the best app for buying car insurance?
Insurify and Jerry are two of the best apps for buying car insurance. Both apps allow users to compare quotes and purchase coverage in minutes. Jerry's smooth and easy quoting process, and ability to store digital insurance cards make it a noteworthy app. Insurify ranks among the best for the number of real-time quotes it serves up, and the ability for users to complete their purchase in the app.
What is the best app for comparing car insurance rates?
Insurify is the best app for comparing car insurance rates. While many car insurance apps let users see only three or four rates side by side, Insurify lets users see at least six quotes at once. The amount of available quotes lets drivers find the best rate in just a few minutes.
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A.M. SteinbachInsurance Writer
A.M. is a Brooklyn-based writer, editor, and content marketing strategist who's worked with major brands in insurance, tech, finance, and healthcare. He also contributes to The Average Joe, a personal finance newsletter that reaches over 250,000 daily readers. Since 2019, he's written for Insurify, breaking down a diverse range of insurance topics into crisp, readable prose.
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Edited byCourtney MikulskiSenior Editor, Auto
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Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Reviewed byMark FriedlanderDirector, Corporate Communications, Triple-I
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20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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