In a Nutshell
Car insurance apps can help you shop for insurance rates and manage your policy from your device. We rounded up our top picks for insurance apps that offer highly rated features, safe-driving perks and more.Today, many financial tasks can be handled on an app, including shopping for and managing your car insurance coverage.
If you’re in the market for a new auto insurance policy, we reviewed top car insurance providers to rank their service and app features. Here are some of the best auto insurance apps that offer rate-shopping tools, digital services, safe-driving perks and discounts.
- Best overall: State Farm
- Best for safe-driving perks: Root
- Best for discounts: Allstate
- Best for policy and vehicle management: Geico
- Best for car insurance rate shopping: Jerry
Best overall: State Farm
Why State Farm stands out above the rest — State Farm is the largest writer of car insurance in the country and has more than 19,000 agents. The company ranks highly for customer satisfaction and offers three car insurance apps — one to manage your policy and two other optional apps that monitor driving habits and reward customers for safe driving behavior.
- In-app claims processing — You can start claims, track claims, upload photos of car damage and speak to an agent in the app. If you need roadside assistance after an accident, the app can also help you contact a tow company and provide other roadside support.
- Safe driver savings — State Farm’s Drive Safe & Save and Steer Clear programs are two optional drive-tracking apps you can download and enroll in for insurance discounts. State Farm’s Drive Safe & Save uses Bluetooth to gather information about your driving habits. If you use this program, driving safely could reduce your insurance rates. For drivers under 25 years old, the Steer Clear app tracks driving history, provides driving training and offers discounts if young drivers meet program requirements.
- Customer satisfaction — Customers rank State Farm highly for its policy-purchasing and claim-processing experiences. It’s also the highest-ranking car insurance provider for customer satisfaction in the Southwest, according to J.D. Power’s 2023 U.S. Auto Insurance Study℠.
Read reviews of State Farm car insurance to learn more.
Best for safe-driving perks: Root
Why Root could be a good choice for safe-driving perks — Several insurance companies offer optional drive-tracking programs you can enroll in to land safe driver discounts. But telematics (car tracking) is at the core of Root’s product. Root tests the driving behavior of each prospective customer and sets insurance rates based on certain factors that it uses to determine safe driving. If you drive safely according to Root, this feature could help you secure low premiums right from the start of your policy.
- Test drive for rates — Root provides you with a rate quote after monitoring your driving behavior for a few weeks during a test drive. To set your rate, the driving test looks at factors like how you brake and turn, what time of day you drive and whether you use your phone while driving.
- Claim filing and account management — Customers can review coverages, change drivers and handle other policy tasks using the app. You can also file claims by answering questions and taking pictures. Each policy comes with roadside assistance.
- Limited availability — Root has limited availability, so check to see if it offers coverage in your state before committing to this insurer.
Read reviews of Root car insurance.
Best for discounts: Allstate
Why Allstate could be a good choice for discounts — Allstate’s app provides tools to view your policy, pay a bill, file a claim, contact roadside assistance and view your insurance card digitally. Allstate also offers plenty of ways to get discounts on your car insurance.
- Discount opportunities — Allstate offers several discount opportunities, including new-car discounts, multi-policy discounts, paperless billing discounts, pay-in-full discounts, student discounts and more.
- Customer satisfaction — Allstate is among the top 10 companies where customers report the highest overall customer satisfaction, according to J.D. Power’s 2023 U.S. Auto Claims Satisfaction Study. But customers rate Allstate’s rate-shopping experience lower than average for large insurers.
Read reviews of Allstate auto insurance.
Best for policy and vehicle management: Geico
Why Geico could be a good choice for policy and vehicle management — Geico Mobile’s Vehicle Care tool can help you keep up with your car’s maintenance and service history. Customers can also handle account basics with the Geico app, like viewing insurance cards digitally, printing ID cards and setting up online billing.
- Claim filing and roadside assistance — Customers can use the app to submit photos of car damage, file claims and get estimates for damage. You can also use the app to get towing and emergency assistance anytime.
- Vehicle records — Geico and Carfax partner to provide information in the app about your car’s service history, manufacturer recalls and more to keep you aware of maintenance dates and potential car safety hazards.
- Price and customer satisfaction — According to J.D. Power, Geico ranked below the industry average for claims satisfaction in 2023, and price could be a sticking point. Geico raised its rates above the industry average toward the end of 2022, and customers have been less satisfied with Geico’s rate shopping and purchase experience compared to other major insurers.
Read reviews of Geico auto insurance.
Best for car insurance rate shopping: Jerry
Why Jerry could be a good choice for rate shopping — Jerry is an insurance broker that compares rates from a database of more than 50 carriers to help customers find affordable car insurance. If you find coverage using Jerry, the company handles canceling your old insurance and writes you a new policy.
- Quick application — Jerry asks you to answer a questionnaire about your current policy and insurance history, reviews your current insurance coverage and then presents you with quotes from different companies.
- Contract management — If you decide to move insurance companies, Jerry will handle the paperwork of switching insurance, and you’ll get a new digital insurance card.
- Automatic rate shopping — Jerry can also compare rates before your insurance renewal to help you continually shop around for coverage savings.
- Newly established company — Jerry was founded in 2017, so it’s a relatively new company. So if you want to buy a policy from a veteran insurance company, Jerry might not be a top choice.
Read our full review of Jerry.
FAQs about car insurance apps
Yes — Jerry is a legitimate app and company launched in 2017. While it’s not accredited with the Better Business Bureau, it does get a B+ rating from the BBB’s proprietary rating system.
Telematics, or car tracking, is a technology that monitors car movements using a device, Bluetooth or a mobile app. Some insurance companies collect car tracking information to set insurance rates or offer discounts, and safe driving behavior could help you land cheaper rates.
If you want to buy insurance from a large company with many agents and high customer satisfaction ratings, State Farm is a good option to consider. Meanwhile, safe drivers might benefit from choosing Root since it sets insurance rates on your driving behavior, and Jerry could be another good app to consider if you want to compare many different insurers at once.
How we picked these insurers
We looked at 11 major car insurance providers with apps to rank them by customer satisfaction, complaints, features, discount opportunities and digital tools. To research each company, we looked at app store ratings, insurance availability, J.D. Power survey results, NAIC complaint index data, policy tools, app features and discount options.