The Best Car Insurance Apps
The best car insurance apps include Farmers, State Farm, and GEICO, with an average customer rating of over four stars on both Google Play and the Apple App Store.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
UPDATED: Aug 11, 2022
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.
On This Page
Table of Contents
- Several popular car insurance companies have highly rated mobile apps
- The majority of auto insurance mobile apps allow drivers to view and manage their policies
- It’s important to consider not just a company’s mobile app but also its coverages and rates
While having a good app may not seem like a big deal when you sign up with a car insurance company, poorly functioning car insurance apps can make filing claims or updating information a hassle. Most people prefer to quickly take care of things online rather than waiting on hold for customer service, which is why checking a company’s app reviews is essential, even if it’s one of the best car insurance companies.
Read on to find out the best car insurance apps for drivers’ policies. We will go over which companies have the best insurance apps.
Table of Contents
The Best Car Insurance Apps
More: Liberty Mutual RightTrack Review (2022)
To make the list of best insurance apps, the apps needed to score more than four out of five stars on both Google Play and the Apple App Store. Three of the companies in competition for the best insurance app are State Farm, GEICO, and Farmers, although USAA and Allstate also have decent app ratings. Take a look at our list of the best insurance apps below.
Insurance Company Google Play Rating Apple App Store Rating
Allstate 4 stars 4.8 stars
Farmers 4.7 stars 4.8 stars
GEICO 4.7 stars 4.8 stars
Nationwide 4.2 stars 4.4 stars
Progressive 4.6 stars 4.7 stars
State Farm 4.7 stars 4.8 stars
USAA 4.3 stars 4.8 stars
More: American Auto Insurance Review
Each app on our list is the company’s basic app, where you can make payments, add drivers, add cars, and more. Because telematics programs — where apps track your driving data and give a discount — are still improving, most companies’ telematic apps have poor ratings. Therefore, our ratings and recommendations are based on the companies’ main apps rather than any additional apps for savings programs.
Also, remember that the cost of an app through an insurance company isn’t an issue, as they are all free for customers. So you don’t need to worry about which is a cheap car insurance app, as each is technically a cheap insurance app unless you factor in the cost of the auto insurance policy.
Which will be the cheapest car insurance app based on policy rates depends on your driver information and location. Make sure to compare mobile auto insurance quotes between companies with the best apps to find which will be the cheapest company for your needs.
Allstate Mobile App Review
More: NerdWallet Auto Insurance Review (2022 Guide)
Google Play: 4 stars
Apple App Store: 4.8 stars
Allstate only scored four out of five stars on Google Play, but it had a solid ranking of 4.8 stars on the Apple App Store. Satisfied customers who use the app like that they can manage account details from their phone. A few customers said filing a claim was easy through the app, and the app is easy to navigate.
More: Why do some people say – don’t buy Progressive auto insurance?
The poor reviews on Google Play and Apple App Store mentioned that the notifications were annoying, as well as a few glitches and bugs on the app, such as being automatically logged out every time they left the app.
In addition, because Allstate’s telematic program — Drivewise — is part of the Allstate app, a number of negative reviews had to do with the telematics program rather than the basic features of the Allstate app. So as long as you aren’t using the Drivewise portion of the app, the basic functionality of the app is beneficial to the majority of drivers and highly rated.
Farmers Mobile App Review
Google Play: 4.7 stars
Apple App Store: 4.8 stars
Farmers earned almost five stars on both Google Play and Apple App Store. Positive customer reviews comment on the ease of accessing ID cards, managing auto payments, and more. In addition, most customers commented on the ease of using and navigating the app, which are huge pluses regarding insurance apps.
Negative reviews mostly commented on bugs and glitches in the app, such as the app being slow to load. A few other negative comments dealt with the company itself, as the customers weren’t happy with their Farmers insurance policies, rather than dissatisfaction with the app itself.
GEICO Mobile App Review
Google Play: 4.7 stars
Apple App Store: 4.8 stars
GEICO has almost five stars out of five on Google Play and Apple App Store. Most of the positive reviews about the app like that it is easy to access ID cards, manage payments, and make changes to their policy.
DriveEasy, GEICO’s app, automatically monitors your driving behavior for things like braking and driving while distracted. Safe driving habits logged by the app can help you save on your car insurance.
Like with Farmers, while some negative reviews are about glitches on the app, most negative reviews have to deal with GEICO itself rather than the app. This is why it’s always crucial to read negative reviews on products, as a few may have nothing to do with the product but rather the company.
Nationwide Mobile App Review
Google Play: 4.2 stars
Apple App Store: 4.4 stars
Nationwide’s mobile app makes managing your insurance easier by allowing you to do things like pay your bill, change coverages, file claims, and add drivers to your policy.
Using the Nationwide SmartRide app, drivers get a 10% discount on car insurance rates just for signing up and have the opportunity to save an additional 40% as a safe driver.
Most users find the app easy to use and set up but noted that it’s hard to use at night and ranked SmartRide lower than other telematic programs.
Progressive Mobile App Review
Google Play: 4.6 stars
Apple App Store: 4.7 stars
The Progressive mobile app makes it easy to access insurance information, view your coverage and id cards, report claims, and pay your bills.
On the negative side, many drivers found the app invasive and not very user friendly.
The Snapshot usage-based program offers you a discount for signing up but, unlike other companies, Progressive doesn’t promise that using Snapshot will not cause your rates to go up.
State Farm Mobile App Review
Google Play: 4.7 stars
Apple App Store: 4.8 stars
State Farm has almost five stars on Google Play and Apple App Store, with customers commenting that they like the online payment feature and digital ID cards. A few customers also commented that they liked filing a claim through the app.
With State Farms Drive Safe and Save app you can save up to 30% on your car insurance rates.
Negative reviews focused on difficulty logging into the app and frequent updates, making it hard to get into it when needed. However, most of the reviews were positive and the negative reviews were about glitches usually fixed in later updates.
If you are on the fence about signing up with State Farm, read our State Farm auto insurance review to learn more about the company.
USAA Mobile App Review
Google Play: 4.3 stars
Apple App Store: 4.8 stars
USAA’s mobile app has a lower rating on Google Play, with just over four stars, but it has almost five stars on Apple App Store. Several positive reviews say the app works as it is supposed to and is fairly easy to navigate and file car insurance claims.
Negative reviews say that the new version of the app has unnecessarily large text and is glitchy compared to the older versions. There were also some complaints about the billing system on the USAA mobile app.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Benefits of Car Insurance Apps
Mobile 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.
Mobile apps generally all have the same basic functions. Some of the most important features of mobile auto insurance apps that can benefit drivers are:
- Add or remove drivers, cars, and coverages. Most insurance apps will allow you to make changes to your policy, whether it’s adding a car or removing a driver from your plan.
- Ask for roadside assistance. If you have roadside assistance on your policy plan, you can usually request assistance easily through the app.
- File car insurance claims and track progress. You can file claims, upload pictures of the damages, and track the progress of your claim.
- Pay bills. You can set up automatic payments, update your credit card or debit card information, and do similar payment tasks.
- Renew policies. You can usually renew your policy on a car insurance app before it expires.
- Review policies and documents. You can see your policy information and documents on most apps.
- Speak to virtual customer service or call customer service. Some companies will have online support on the apps, or you can contact an agent over the phone through the app.
- View and download ID cards. Most apps will allow you to view and download your ID cards.
As you can see, there are several tasks you can perform on an app for car insurance. This is why it’s so vital for a company to have a well-functioning app, as a poor app can disrupt the process of simple tasks for customers.
How to Choose the Best Car Insurance App for You
It’s essential not only to choose a company based on its app but also on its coverages, rates, and customer reviews. If you have a few apps you like that are similar in function and ease of use, look at those companies to compare car insurance policies to help narrow down your choice.
Some of the things to consider when choosing an app that is right for you are the following factors:
- What are the app’s ratings? Make sure to read through both the positive and negative ratings about an app. This will help you weed out the poor apps.
- What tasks do you want to complete on the app? Make a list of the most important things you want to be able to do on an app, such as file a claim or pay bills. It will help you rule out apps that don’t have your desired features.
- What is the company’s customer service like? If the app glitches or you need help using it, you want customer service to be easily accessible and helpful.
Reviewing and answering these questions will help you find the best car insurance app for your needs.
Final Word on Car Insurance Apps
Car insurance apps are great tools for drivers to manage their car insurance policies, but the apps can be frustrating if they glitch frequently or are poorly designed. However, many popular car insurance companies have great apps that are highly rated and can help you narrow down your decision of what company to choose for coverage.
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 comparison tool to compare companies and find the best car insurance rates in your area.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Frequently Asked Questions
Are car insurance apps worth it?
A good car insurance app is worth it for ease of filing claims and accessing customer data, but it shouldn’t be the only thing you look at when choosing a company. An app should only be a small factor.
Instead of focusing on just apps, drivers should first look at a company’s financial ratings, claim satisfaction, customer service, coverages offered, and insurance rates. Once you’ve narrowed your choice down to a few companies, you can then use apps as a factor in your decision.
Can I file a claim through my insurance app?
The majority of companies will allow you to file a claim through the company’s insurance app. For example, Allstate, GEICO, State Farm, USAA, and other major companies all allow you to file a claim on apps. However, a few companies may not allow claims to be filed through apps, so make sure to check beforehand before signing up if filing a claim from your phone is a dealbreaker.
Can my insurance company track my car through an app?
Insurance companies aren’t allowed to track you without permission. However, usage-based discount apps will require permission to track your car so that they can track your driving habits. Regular insurance apps that are just for accessing your customer account won’t track your car.
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.
|
Written by
Rachel Bodine |
|
Reviewed by
Daniel Walker
|
