Best Car Insurance Apps (2025)
State Farm and GEICO offer policyholders the highest-rated mobile apps.
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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, 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.
Top-rated car insurance apps
Finding the best car insurance company is key to getting the best coverage at the right price. And choosing an insurer with a user-friendly mobile app can help you manage your policy on the go. These insurers have top-rated apps that customers can use to view their documents or file claims.
1. State Farm: Best for customer service
How drivers feel about State Farm’s app
State Farm’s app has overwhelmingly positive reviews from more than 1 million ratings. Drivers like the easy roadside assistance feature, responsive service, and helpful premium payment reminders. Reviews often reference agents by name, expressing gratitude for swift, helpful support.
Some drivers expressed alarm at how many permissions the Drive Safe & Save program requires and frustration with the app updates that mean it won’t work on older phones and operating systems. But overall, drivers appreciate the app’s functionality and convenience.
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2. GEICO: Best for vehicle service features
How drivers feel about GEICO’s app
Based on GEICO’s more than 4 million app reviews, drivers appreciate the app’s comprehensive features and convenient interface. App users like having everything from payments to claims filing available in one place, as well as the option to postpone a scheduled payment.
But some drivers report frustration with the DriveEasy app recording phone handling even when drivers have their phones mounted or stowed away. Many users praise the app’s easy-to-navigate features and recent updates.
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3. Liberty Mutual: Best for claims satisfaction
How drivers feel about Liberty Mutual’s app
Most Liberty Mutual app reviewers report an easy, useful app experience. Users say paying bills and filing claims through the app is easy, and many describe exceptional customer service.
Some reviewers report annoying app freezes and technical errors but say once they call for support, they have a good customer service experience. Certain RightTrack telematics policyholders express concern about data tracking and sharing. Overall, many drivers find the app easy to navigate and say it saves time.
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4. Progressive: Best for easy policy management
How drivers feel about Progressive’s app
Progressive app users like the user-friendly and easy-to-navigate layout. While many approved of the feature that lets users add their insurance ID to their Apple Wallet, others had trouble even finding the ID card.
The app’s more than 560,000 reviews lean positive, with many reviewers expressing appreciation for the app’s convenient mobile payment and intuitive features. Some drivers report a more buggy experience though and say they’ve had trouble with the auto-pay feature, battery drain, and the app not loading.
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5. Farmers: Best for straightforward experience
How drivers feel about Farmers’ app
Farmers’ app reviewers say the app is easy to use and understand. Its recent ratings are consistently high, with drivers describing simple claims and bill payment processes.
Some drivers report that the app is slower after updating and requires too many mandatory updates that take up phone storage. Others also express frustration that the app doesn’t immediately reflect policy updates, and they say the website is more helpful. Most users appreciate the convenience, though, and say it’s better than waiting to talk to someone on the phone.
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6. Root: Best for safe drivers
How drivers feel about Root’s app
Though Root hasn’t been around long, it already has more than 100,000 ratings and reviews. App developers also respond to nearly every review in the App Store and Google Play.
Some drivers report frustration that the app glitches or won’t update. Some users were also disappointed after receiving rate increases that Root based on its driving data collection. Others report a smooth app experience, however, and appreciate the swift roadside assistance and low rates.
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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 looked at 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.
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 from multiple insurers 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: Best for easy insurance comparison
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 personalized quotes from more than 120 top 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 doesn’t sell data to third parties, so you won’t get unwanted solicitations after comparing rates with the app.
Jerry: Best for vehicle management features
Jerry claims drivers can access quotes from up to 50 insurers in less than two minutes through 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.
The Jerry app 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.
Way: Best for added auto services
If you’re the kind of driver who likes everything in one place, the Way app is a great way to go. With its insurance-comparison service, Way claims drivers can shop from up to 300 companies in 30 seconds for free, pay online, and get car insurance instantly.
Way launched in 2015 as a parking reservation service and added auto insurance comparison, carwash subscription, and auto refinance features after receiving funding. Its other features include a map to find EV charging stations, roadside assistance (part of a Way+ membership), and a gas cash back program.
Our sample driver
We created a driver profile intended to appear the most insurable to quoting engines and then went through the quoting process for each site. Our sample profile was for a 50-year-old female driver residing in a suburban area and driving a paid-off 2019 Hyundai Elantra.
Our driver has a clean motor vehicle record and average credit, rents her home, is single, and has a current in-force policy. She got her license at 17, commutes 10 miles per day to work, and is a high school graduate.
Our sample policy
We sought full-coverage quotes for:
$50,000 per person and $100,000 per accident in bodily injury liability
$50,000 in property damage liability
$1,000 collision/comprehensive deductible
Our rating criteria
Insurify’s researchers considered each site’s available online ratings, the number of real quotes the site served for our sample driver, prices of provided quotes, and ease of use. We also looked at customer reviews and whether using the site might result in spam emails, phone calls, or text messages. To assess spam risks, we created a test email account and tracked the number of emails it received.
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.
Drivers enrolling in an app-based telematics program could also see rate increases, not savings, if the app detects poor driving habits. Many app users report frustration with telematics programs being extremely sensitive to hard braking, for example, or sometimes scoring trips where the policyholder was the passenger.
Car insurance app FAQs
If you want more information about finding a tech-savvy insurer or using a mobile app to compare rates, check out the additional information 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 (4.6). 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 purchases 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.
How does an insurance app know if you’re driving?
Insurance apps track data from smartphone sensors measuring your location, speed, acceleration, orientation, and more to monitor your driving. When you’re driving, your phone’s motion differs from when you’re a passenger.
Root Insurance, for example, measures your data during a test-drive period until it’s confident about your phone patterns. GEICO’s DriveEasy app tracks your motion in real time, but if the app gets it wrong, you can change your “driving role” to passenger so the trip doesn’t factor into rate calculations.
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