Best Auto Insurance Apps in 2025 (Find the Top 10 Provider Apps Here!)
The providers with the best auto insurance apps are Geico, Progressive, and Allstate, with rates starting at $43/month. These apps stand out for their high ratings on app stores, ease of use, and comprehensive features, making them top choices for managing policies efficiently and accessing essential services quickly.
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Laura Berry
Former Licensed Insurance Producer
Laura Berry has experience as a licensed producer selling life, health, and property insurance coverage for both Allstate and State Farm. She has dedicated many hours to helping her clients understand the insurance marketplace so they could find the best car, home, and life insurance products for their circumstances. While she currently helps businesses take advantage of the federal R&D tax...
Former Licensed Insurance Producer
UPDATED: Jun 6, 2025
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 6, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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The top pick provider for the best auto insurance apps are Geico, Progressive and Allstate, offering competitive rates, stands out for its user-friendly interface, high customer ratings, and comprehensive features.
Whether you’re managing payments, filing claims, or accessing policy information, these top-rated apps provide convenience and efficiency for drivers seeking reliable auto insurance solutions.
Our Top 10 Company Picks: Best Auto Insurance Apps
| Company | Rank | Low-Mileage Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 15% | A++ | Cheap Rates | Geico |
 | #2 | 10% | A+ | Online Tools | Progressive |
 | #3 | 15% | A+ | Comprehensive Coverage | Allstate |
 | #4 | 20% | B | Personalized Service | State Farm |
 | #5 | 10% | A++ | Military Families | USAA |
 | #6 | 10% | A | Customizable Plans | Liberty Mutual |
 | #7 | 20% | A+ | Usage-Based | Nationwide |
 | #8 | 15% | A | Mobile Navigation | Farmers |
 | #9 | 10% | A++ | Policy Options | Travelers |
 | #10 | 10% | A | Customer Service | American Family |
From user-friendly interfaces to robust features like claim filing and policy management, these apps prioritize convenience and efficiency for users navigating the world of auto insurance apps.
Start saving on your auto insurance by entering your ZIP code above and comparing quotes.
- Geico, the top pick, offers competitive rates starting at $25/mo
- Top-rated auto insurance apps offer efficient policy management
- Convenient functionalities like filing claims and accessing policy info
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The Benefits of Using Auto Insurance Apps
Mobile car insurance apps are designed for convenience, so if they work well and are updated, they can help customers quickly move through tasks that would take longer in person or over the phone. They generally all have the same basic functions, such as viewing and downloading digital ID cards directly from the app, making it convenient to provide proof of insurance whenever necessary.
These features streamline policy management, enhancing accessibility and efficiency for policyholders on the go. Some of the most important features of mobile auto insurance apps that can benefit drivers are:
- Modify Coverage Details: Easily add or remove drivers, cars, and coverages as needed directly through the app.
- Request Roadside Assistance: Access roadside assistance quickly if included in your policy, making it hassle-free during emergencies.
- File and Track Claims: Submit claims, upload photos of damages, and monitor the progress of your claim all within the app interface (Learn More: Can I cancel an auto insurance claim after filing it?).
- Manage Payments: Set up automatic payments, update payment methods, and handle bill payments seamlessly from your mobile device.
- Access Policy Information: Review detailed policy documents and information at your convenience, and renew your policy effortlessly through the app before it expires, ensuring uninterrupted coverage.
- Customer Support: Engage with virtual customer service representatives or connect with agents over the phone for assistance and inquiries.
The benefits of car insurance apps are undeniable, but the effectiveness of these apps hinges on their functionality and reliability. A well-designed and regularly updated app can significantly improve efficiency and satisfaction, while a poorly executed one can lead to frustration and inconvenience for users.
Geico has one of the top-rated auto insurance apps, simplifying routine tasks and providing immediate access to essential services, such as roadside assistance and claims tracking, to enhance the overall customer experience.
Top Auto Insurance Apps Stack Affordable Discounts
Leading auto insurance providers offer an array of discounts via their apps to help users save on premiums. Allstate offers savings for safe drivers, multi-policyholders, and new car owners. Geico provides discounts for safe driving, bundling policies, and emergency deployments.
State Farm rewards safe drivers, multi-policyholders, and good students. These discounts, available through user-friendly apps, make quality coverage more accessible and affordable for customers. Compare the best auto insurance discounts from top companies to get the most savings.
Unveiling Coverage Costs for Auto Insurance Apps
While the best auto insurance apps provide a variety of coverage options and attractive discounts to cater to different customer needs, monthly auto insurance rates vary significantly across providers and coverage levels. For minimum coverage, Geico and USAA offer the most competitive rates at $25 per month, while Allstate tops the scale at $35 monthly.
Auto Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
$87 $228
$62 $166
$76 $198
$43 $114
$96 $248
$63 $164
$56 $150
$47 $123
$53 $141
$32 $84
Meanwhile, for full coverage, USAA remains the most affordable at $60 per month, with Geico following closely at $65. On the higher end, Allstate charges $85 monthly for full coverage. Other providers like American Family, Farmers, and Liberty Mutual offer rates ranging from $27 to $33 a month for minimum coverage and $68 to $82 per month for full coverage.
Read More: Best Auto Insurance for New Drivers
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Choosing the Best Auto Insurance App
When selecting the ideal car insurance app, consider more than just its functionality. Evaluate coverage options, rates, and customer feedback. Compare policies to narrow down choices effectively. Scrutinize app ratings and reviews for insights into user experiences (Read More: Where can I compare online auto insurance companies?).
Identify desired tasks like filing claims or managing payments. Ensure the chosen app offers these features. Assess customer service accessibility and responsiveness for troubleshooting support. By reviewing these factors, confidently select the best app for your needs.
10 Best Auto Insurance Apps
Geico, Progressive, and Allstate have the best car insurance apps, but you might find something more convenient from the other companies on our top ten list.
Learn More: Auto Insurance for Different Types of Drivers
#1 – Geico: Top Overall Pick
Pros
- Competitive Rates: Our Geico auto insurance review showcases competitive rates, highlighting its affordability for numerous drivers.
- User-Friendly: Geico’s mobile app has high ratings on both Google Play and the Apple App Store, providing a smooth and intuitive experience for policy management.
- Comprehensive Features: The Geico app allows users to file claims, access ID cards, manage payments, and make policy changes conveniently from their mobile devices.
Cons
- Glitches and Bugs: Some users report occasional glitches and bugs in the Geico app, which can disrupt the user experience and cause frustration.
- Limited Coverage Options: Geico may not offer as many specialized coverage options or add-on features compared to other insurance providers, limiting customization for certain policyholders.
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#2 – Progressive: Best for Online Tools
Pros
- Robust App Features: The Progressive app provides comprehensive features for policy management, including claim filing, bill payment, and digital ID cards, enhancing convenience.
- Variety of Online Tools: Along with its convenient mobile app, online tools like the Name-Your-Price tool on the company website help drivers find budget-friendly coverage.
- Strong Financial Stability: It has an A+ A.M. Best rating as a financially stable company with a strong reputation in the industry. Learn more in our Progressive auto insurance review.
Cons
- Higher Premiums for Some Drivers: While Progressive offers competitive rates for many drivers, some individuals may find that their premiums are higher compared to other insurance providers.
- Complex Discount Programs: While Progressive’s Snapshot program offers potential discounts, the eligibility criteria and discount calculations may be complex or unclear for some customers.
#3 – Allstate: Best for Comprehensive Coverage
Pros
- User-Friendly App: The Allstate mobile app receives high ratings for its ease of use and convenient features like account management and claim filing.
- Comprehensive Coverage: Allstate offers a wide range of coverage options, ensuring customers can find a policy tailored to their needs.
- Strong Financial Stability: Our Allstate auto insurance review showcases a robust financial strength rating, highlighting its capability to promptly fulfill claims.
Cons
- Mixed Customer Service Reviews: Some customers report dissatisfaction with Allstate’s customer service, citing issues with responsiveness and claim handling.
- App Glitches: While generally well-rated, the Allstate app may occasionally experience glitches or technical issues, affecting user experience.
#4 – State Farm: Best for Personalized Service
Pros
- Personalized Service: State Farm auto insurance review highlights the personalized assistance and support offered by State Farm agents, ensuring customers receive a customized insurance experience.
- Drive Safe and Save Program: State Farm’s telematics program offers potential discounts based on safe driving behavior, rewarding responsible drivers.
- Good Student Discounts: State Farm provides discounts for good students, making it an attractive option for families with teenage drivers.
Cons
- Limited Digital Experience: While State Farm offers online and mobile services, some customers may find its digital experience less robust compared to other insurers.
- Claim Handling Times: Some customers have reported longer wait times for claim processing and resolution, leading to frustration and inconvenience.
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#5 – USAA: Best for Military Families
Pros
- Exceptional Customer Service: USAA is renowned for its top-notch customer service, offering dedicated support to its members.
- Competitive Rates: Our USAA auto insurance review compares competitive rates and specialized discounts designed for military members and their families.
- Financial Stability: With a strong financial standing, USAA instills confidence in its customers regarding claims payout and policy stability.
Cons
- Limited Eligibility: USAA membership is restricted to military members, veterans, and their families, excluding the general public.
- Limited Branch Availability: Physical branch locations are limited primarily to areas with a high military presence, which may inconvenience some customers.
#6 – Liberty Mutual: Best for Customizable Plans
Pros
- Extensive Coverage Options: The Liberty Mutual auto insurance review highlights a variety of coverage options, enabling clients to showcase policies tailored to their individual requirements.
- Multi-Policy Discounts: Customers can save money by bundling multiple insurance policies with Liberty Mutual, such as auto and home insurance.
- Online Tools and Resources: Liberty Mutual provides useful online tools and resources for policy management, claims processing, and risk assessment.
Cons
- Mixed Customer Service Reviews: While some customers praise Liberty Mutual’s customer service, others report dissatisfaction with response times and claims handling.
- Limited Availability: Liberty Mutual may not be available in all states, limiting options for customers residing in certain regions.
#7 – Nationwide: Best for Usage-Based Programs
Pros
- Convenient Access: Our Nationwide auto insurance review highlights the app’s features, which include enabling users to modify their coverage and include additional drivers on their policy.
- Usage-Based Programs: The app includes access to the SmartRide program, offering a 10% discount for signing up and potential savings of up to 40% for safe driving.
- Vanishing Deductibles: Safe drivers who remain claim-free will see their deductibles shrink every year up to $500.
Cons
- Usability Issues at Night: Some users have reported that the app is hard to use at night, which can be inconvenient.
- Telematics Program Limitations: The SmartRide app has been ranked lower compared to other telematic programs, suggesting room for improvement.
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#8 – Farmers: Best for Mobile Navigation
Pros
- User-Friendly Navigation: The app is noted for its ease of use and intuitive navigation, making it simple for customers to manage their policies.
- High Ratings: Farmers’ mobile app scores almost five stars on both Google Play and the Apple App Store, reflecting high user satisfaction.
- Comprehensive Functionality: The app showcases various functionalities, such as adding drivers, making payments, and managing policies, along with highlighting Farmers auto insurance discounts.
Cons
- Negative Policy Feedback: Some negative reviews are about dissatisfaction with Farmers’ insurance policies rather than the app itself.
- Bugs and Glitches: Some users have reported that the app can be slow to load and may have occasional bugs or glitches.
#9 – Travelers: Best for Range of Policy Options
Pros
- Comprehensive Policy Options: Travelers offers a wide range of insurance products, including auto, home, and umbrella policies, allowing for convenient bundling and potentially lower overall premiums.
- Strong Financial Stability: Travelers auto insurance review highlights its financial robustness and reliability in claim settlements, evident in its excellent A.M. Best rating.
- Innovative Technology: Travelers’ mobile app and online tools provide efficient policy management, claims filing, and access to digital ID cards, enhancing user convenience.
Cons
- Limited Availability: Travelers insurance products are not available in all states, which can be a limitation for some potential customers.
- Mixed Customer Reviews: While many customers are satisfied, there are some complaints about the claims process and rate increases after the initial policy period.
#10 – American Family: Best for Customer Service
Pros
- Personalized Customer Service: American Family auto insurance review showcases its personalized customer service approach, highlighting the provision of tailored support and advice by local agents.
- Extensive Discounts: The company offers numerous discounts, such as multi-policy, good student, and safe driver discounts, helping customers reduce their insurance costs.
- Comprehensive Coverage Options: American Family provides a wide range of coverage options, including auto, home, life, and renters insurance, allowing customers to bundle and save.
Cons
- Availability: American Family’s insurance products are not available nationwide, which may limit access for some potential customers.
- Customer Service Variability: While many report positive experiences, there are some inconsistencies in customer service quality, depending on the local agent.
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Best Ways to Use Auto Insurance Apps
Car insurance apps are great tools for drivers to manage their car insurance policies, but even the best auto insurance apps can be frustrating if they glitch frequently or are poorly designed. However, many popular companies, including Geico, Progressive, and Allstate, have great car insurance apps that are highly rated.
Geico excels as the premier auto insurance app, combining affordability, intuitive design, and robust features for unparalleled customer experience.Michelle Robbins Licensed Insurance Agent
From navigating claims seamlessly to customizing policies to fit unique lifestyles, these stories highlight the transformative impact auto insurance apps have on drivers:
- Case Study #1 – Sarah Saved on Auto Insurance With Usage-Based Pricing: Sarah, a city dweller, found high auto insurance costs burdensome. She opted for a usage-based program, cutting premiums by letting an app monitor her safe driving.
- Case Study #2 – John’s Hassle-Free Experience With Mobile App Assistance: Seasoned driver John opts for efficiency, swiftly filing his insurance claim via the mobile app, showcasing the convenience of modern technology in managing such affairs.
- Case Study #3 – Maria’s Journey to Personalized Auto Insurance: Maria, a busy parent and traveler, found her perfect insurance match: a customizable plan from an insurer’s mobile app, offering peace of mind and tailored coverage for her dynamic lifestyle.
- Case Study #4 – Tom’s Experience With Telematics-Based Discounts: Tom, a tech enthusiast, tried telematics insurance. Monitoring his driving through an app, his safe habits earned him big discounts, showcasing how tech can boost driving skills and savings.
- Case Study #5 – Emily’s Effortless Experience with Mobile App Features: Emily, juggling work and family, found relief in a top insurer’s app, easing policy tasks and saving time for what matters most, spotlighting the power of user-friendly features for customer satisfaction.
By learning from these experiences, drivers can make informed decisions and optimize their auto insurance management for a more secure and efficient future. Follow these tips for using car insurance apps effectively to avoid errors and denied claims.
Keep in mind that an app shouldn’t be the only aspect you base your decision on. Rates and coverages are also important. Use our free quote tool to compare auto insurance rates and find the best companies in your area. Enter your ZIP code to find out where you can get a better deal.
Frequently Asked Questions
What are app-based insurance companies?
App-based insurance companies are insurers that provide their services primarily through mobile applications. These companies allow users to manage policies, file claims, and access support directly from their smartphones, offering a convenient and efficient way to handle insurance needs.
Which are the best insurance apps available?
The best insurance apps available include Geico, Progressive, and Allstate. These apps are highly rated for their user-friendly interfaces, comprehensive features, and high customer satisfaction. They offer functionalities like policy management, claims filing, and access to customer support.
Get started on comparing full coverage auto insurance rates by entering your ZIP code below.
What features does the Acceptance Insurance mobile app offer?
The Acceptance Insurance mobile app offers features such as policy management, bill payment, claims filing, and access to roadside assistance. It also provides policyholders with digital ID cards and notifications about policy updates and renewals.
To expand your knowledge, refer to our comprehensive handbook titled “Roadside Assistance Coverage.”
What can I do with the Allstate auto insurance app?
With the Allstate auto insurance app, users can manage their insurance policies, pay bills, file claims, and access roadside assistance. The app also offers features like Drivewise, which monitors driving habits and offers rewards for safe driving.
What is app auto insurance?
App auto insurance refers to car insurance policies that can be managed through a mobile application. These apps allow users to perform various tasks, such as getting quotes, purchasing policies, managing existing policies, filing claims, and accessing customer support, all through their smartphones.
Why should I use an app for auto insurance?
Using an app for auto insurance offers several benefits, including convenience, efficiency, and quick access to essential services. It allows users to manage their policies, file claims, and access support anytime and anywhere, making it easier to handle insurance-related tasks without needing to visit an office or make phone calls.
To gain profound insights, consult our extensive guide titled “Will my auto insurance claim check be made out to me?”
What is an auto insurance comparison app?
An auto insurance comparison app is a mobile application that allows users to compare insurance quotes from multiple providers. These apps help users find the best coverage options and rates by showing side-by-side comparisons of different policies, making it easier to make informed decisions.
How does an auto insurance mobile app work?
An auto insurance mobile app works by providing users with a platform to manage their insurance policies. Users can log in to their accounts, view and update their policy details, make payments, file claims, and access customer support. The app may also offer features like digital ID cards and notifications about policy changes.
Can I get a quote using an auto insurance quote app?
Yes, you can get a quote using an auto insurance quote app. These apps allow users to input their information and receive quotes from various insurance providers. This makes it easy to compare rates and find the best insurance policy for your needs.
For a comprehensive overview, explore our detailed resource titled “What does an auto insurance policy look like?”
What is the best app for auto insurance?
The best app for auto insurance depends on individual needs and preferences. However, highly rated apps include Geico, Progressive, and Allstate for their comprehensive features, ease of use, and customer satisfaction. These apps offer functionalities like policy management, claims filing, and access to customer support, making them top choices for many users.
Uncover affordable auto insurance rates from the top providers by entering your ZIP code below.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Laura Berry
Former Licensed Insurance Producer
Laura Berry has experience as a licensed producer selling life, health, and property insurance coverage for both Allstate and State Farm. She has dedicated many hours to helping her clients understand the insurance marketplace so they could find the best car, home, and life insurance products for their circumstances. While she currently helps businesses take advantage of the federal R&D tax...
Former Licensed Insurance Producer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
