Best Auto Insurance Apps in 2025 (Find the Top 10 Provider Apps Here!)

State Farm, USAA, and Farmers have the best auto insurance apps. These top three companies stand out for user-friendly interfaces, convenient mobile features, and high customer ratings.

Our Top 10 Company Picks: Best Auto Insurance Apps

USAA offers competitive rates starting at just $32 a month, and eligible drivers in the military can buy policies directly from the app.

Whether you’re managing payments, filing claims, accessing policy information, or need to get instant proof of auto insurance online, these top-rated apps provide convenience and efficiency for drivers no matter where they are.

Buying car insurance online or through a mobile app can help you lock in cheap rates. Start saving on your auto insurance by entering your ZIP code and comparing quotes for free.

Top Auto Insurance App Features & Benefits

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. Similar to the State Farm auto insurance app, most have the same basic functions, such as viewing and downloading digital ID cards, managing policies, and even integrating banking and budgeting tools.

These features streamline policy management, enhancing accessibility and efficiency for policyholders on the go. Some other important features of mobile auto insurance apps 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.

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.

Farmers has one of the best car insurance apps because of its easy-to-use UI, helping drivers manage multiple types of insurance coverage.

State Farm and USAA also have apps that are easy to navigate, but State Farm’s app includes personalized customer service from local agents who can be easily reached through the app via direct messages or phone calls.

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Auto Insurance Apps With Usage-Based Tracking

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.

Read More: Best Auto Insurance for New Drivers

What Users Say About the Top Car Insurance Apps

These companies might have the highest-rated insurance apps, but that doesn’t mean they’re perfect. Many users complain about bugs and glitches after updating the Farmers and Geico apps, and some older devices cannot access the AmFam or State Farm apps.

Most negative reviews center around usage-based apps rather than the insurance apps drivers use for payment and policy management, which, for now, are two separate applications. However, this Reddit user points out the privacy issues that will arise as State Farm merges its auto insurance app with its Drive Safe and Save UBI app.

 

How to Choose the Best Auto Insurance App

When selecting the best car insurance app, consider more than just its functionality. Evaluate coverage options, rates, and customer feedback (Read More: Where can I compare online auto insurance companies?). For instance, identify desired tasks you want to do on-the-go, like filing claims or managing payments, and esure your chosen app offers these features.

Scrutinize app ratings and reviews for insights into user experiences, especially when it comes to filing a claim. Common insurance app errors could cost you a claim payment, as this video points out.

Assess customer service accessibility and responsiveness for troubleshooting support and claims. By reviewing these factors, you can confidently select the best app for your needs. Compare policies to narrow down rates and coverage choices.

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Comparing Auto Insurance Rates

While the companies with the best auto insurance apps provide a variety of coverage options and attractive discounts to cater to different drivers, monthly auto insurance rates vary significantly across providers and coverage levels.

Auto Insurance Monthly Rates by Coverage Level

Root is the cheapest car insurance app at $23 per month, but it’s only available to drivers with clean records and few claims. USAA auto insurance starts at $32 monthly, but only active and retired military members can get policies. For other drivers, State Farm is the most affordable option, providing coverage and customer satisfaction for $47 a month.

State Farm also remains affordable after a DUI or at-fault accident, barely increasing monthly rates by $10 or less.  Meanwhile, Farmers is one of the more expensive providers, along with Allstate and Liberty Mutual. However, your rates can drop if you qualify for Farmers’ discounts. Compare the best auto insurance discounts from top companies to get the most savings.

10 Best Auto Insurance Apps

State Farm, USAA, and Farmers 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 – State Farm: Top Overall Pick

Pros

• Personalized Service: Drivers can use the mobile app to connect with local agents for personalized assistance and support. See satisfaction ratings in our State Farm auto insurance review.
• Drive Safe and Save Program: The State Farm insurance app includes access to the telematics app, which offers potential 30% discounts for responsible drivers.
• Integrated Financial Services: State Farm policyholders can use the app to pay auto insurance bills, manage their budget, and receive tips on how to save money.

Cons

• Negative UBI Reviews: When it comes to the app, drivers have more issues with Drive Safe & Save than the auto insurance app, claiming the UBI app punishes drivers for a passenger’s phone usage.
• Chromebook Issues: Drivers trying to download the app on Google Chromebook devices experience installation issues and crashes.

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#2 – USAA: Best for Military Policies

Pros

• Military-Focused Features: Drivers can quickly make policy changes and update coverage if they receive deployment orders and won’t be driving the insured vehicle for a long period of time.
• Exceptional Customer Service: USAA is renowned for its top-notch digital customer service, offering dedicated support to its members online and through the app.
• Automatic Payment Discounts: Set up auto-pay through the USAA insurance app to save 3% on your monthly rates. See more discounts in our USAA auto insurance review.

Cons

• Limited Eligibility: USAA membership is restricted to military members, veterans, and their families, excluding the general public.
• Integration Issues: Policyholders who also use USAA’s financial services report issues with the banking side of the app, especially when it comes to depositing checks.

#3 – Farmers: Best for Easy 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.
• Comprehensive Functionality: The app showcases various functionalities, such as adding drivers, making payments, and managing policies, along with highlighting Farmers auto insurance discounts.
• Instant Policy Updates: If you prefer to work with an agent, your insurance app will automatically update with any policy changes you make in the office without any further confirmation from you.

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.

#4 – Liberty Mutual: Best for Policy Management

Pros

• Mobile Tools and Resources: Liberty Mutual provides useful online tools and resources for policy management, claims processing, and risk assessment.
• Extensive Coverage Management: Drivers with multiple lines of insurance can manage them all from one insurance app. Explore more in our Liberty Mutual auto insurance review.
• 24/7 Claims Management: You can file claims at any time, check in with your adjustor, and process payments all through the Liberty Mutual insurance app.

Cons

• Mixed Customer Service Reviews: While some customers praise Liberty Mutual’s customer service, others report dissatisfaction with response times and claims handling when using the app.
• Regional Availability: Some features of the Liberty Mutual auto insurance app are not available in all states.

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#5 – Nationwide: Best for Roadside Support

Pros

• 24/7 Roadside Assistance: Call roadside assistance at any time from the app, and many users report tow trucks and locksmiths arriving in record time.
• Convenient Mobile 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.

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.

#6 – Geico: Best for Payment Tools

Pros

• Fool-Proof Payment Tools: Never miss a payment with the Geico insurance app, which processes monthly and annual payments and can send drivers text reminders about upcoming due dates.
• Automatic Payment Discounts: Geico removes installment and processing fees for drivers who sign up for autopay, lowering rates by $3 per month. Compare costs in our Geico auto insurance review.
• Usage-Based Insurance Tracking: Geico’s mobile app includes access to Geico DriveEasy UBI, which tracks habits and rewards safe drivers with up to 15% off rates.

Cons

• Glitches and Bugs: Some users report occasional glitches and bugs in the Geico app, which can disrupt the user experience and cause frustration.
• Negative UBI Reviews: Negative app reviews center around DriveEasy miscalculating discounts and tracking drivers when they are passengers.

#7 – Progressive: Best for Online Tools

Pros

• Variety of Online Tools: In addition to its convenient mobile app, the company website offers online tools like the Name-Your-Price tool that help drivers find budget-friendly coverage.
• Usage-Based Integration: Drivers can also access the Progressive Snapshot usage-based app to save up to 30% with good driving habits. 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.

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#8 – American Family: Best for Driver Education

Pros

• Teen Safe Driver Program: AmFam recently updated its teen driver education program into a mobile app that tracks driving habits for a discount and reduces risks, like distracted driving and speeding.
• Personalized Customer Service: Our American Family auto insurance review showcases its personalized customer service approach, combining digital and in-person service with its app.
• Easy Policy Management: Drivers can add or remove coverage and drivers, make payments, and file claims through the app, with everything processed within 24 hours.

Cons

• Limited Availability: American Family auto insurance and its app are only available in 25 states.
• Not Supported on Older Devices: Drivers who have not upgraded their phones or tablets may be unable to use the AmFam insurance app.

#9 – Root: Best for Telematics Integration

Pros

• Usage-Based Insurance Rates: Root doesn’t use traditional factors like gender or credit score. The Root Insurance app tracks habits and sets monthly rates based on how you actually drive.
• Personalized Customization: Drivers can customize coverage, and the app will suggest coverage limits and options based on budget and local state requirements.
• Digital-Based Company: Root operates entirely through its website and mobile app, making it one of the first app-based insurance companies in the U.S.

Cons

• No High-Risk Coverage: Root does not accept drivers with multiple claims or license points, and drivers must qualify through the app before buying a policy.
• Limited Availability: Root auto insurance is only available in 34 states.

#10 – 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, which can all be managed in one place through the app.
• Innovative Technology: Travelers’ mobile app and online tools provide efficient policy management, claims filing, and access to digital ID cards, enhancing user convenience.
• Biometric Security: Drivers can set up fingerprint and face recognition keycodes to limit access to their personal information on the Travelers insurance app.

Cons

• Limited Availability: Travelers insurance products are not available in all states. Find out if it’s near you in our Travelers auto insurance review.
• Confusing Interface: Many user reviews state that the app is often confusing to use, making it difficult to find key policy information when needed.

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Best Ways to Use Auto Insurance Apps

Many popular companies, including State Farm, USAA, and Farmers, have the best auto insurance apps that are highly rated. These stories highlight the different ways drivers can use car insurance apps:

• Case Study #1 – Sarah Saved on Auto Insurance With Usage-Based Pricing: Sarah, living in Dallas, found her auto insurance costs too high for how little she drove. She opted for Farmers, offering low-mileage and usage-based discounts through its app.
• Case Study #2 – John’s Hassle-Free Experience With Mobile App Assistance: John, a retired veteran, wanted efficiency, swiftly filing his USAA insurance claim via the mobile app. Learn how to file an auto insurance claim.
• Case Study #3 – Maria’s Journey to Personalized Auto Insurance: Maria, a busy parent and traveler, found her perfect insurance match: a customizable plan through Travelers’ mobile app, allowing her to manage her auto, home, and travel policies in one place.
• Case Study #4 – Tom’s Experience With Telematics-Based Discounts: Tom, who works from home for a tech company, tried Root telematics insurance to monitor his driving through an app. His safe habits saved him around $75 per month.
• Case Study #5 – Emily’s Effortless Experience with Mobile App Features: Emily, juggling work and family, found relief with State Farm’s app, which connected her with a local agent she could talk to remotely and get the coverage she needed.

By learning from these experiences, drivers can make informed decisions to avoid overpaying for auto insurance and optimize their policy management for more secure 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 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.

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