Best Digital Car Insurance Companies (2025)
The best digital car insurance tools may depend on your driving habits and mileage.
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Today, you can do almost anything online — attend work, open a bank account, even order groceries — without leaving the comfort of your home. Technology has transformed nearly every industry, and the insurance sector is no exception.
Digital car insurance companies take a technology-first approach to their offerings, allowing customers to purchase and manage insurance policies directly from the company’s website or mobile app. And legacy car insurance companies are striving to provide the same level of digital convenience many customers now expect. Some are doing it better than others, as you’ll see below.
Best digital car insurance companies
The best digital car insurance company for you will be one that offers affordable rates and coverage to match your driving habits and vehicle usage. Each of the insurers presented below provides convenient online and mobile-based platforms for easy policy management.
Best for low-mileage drivers: Metromile
Best for good drivers: Root
Best for drivers who want to make a difference: Lemonade
Best insurance company mobile apps
Plenty of older insurance companies still employ insurance agents and have offices in your area. But their digital tools work well enough that customers can sometimes have the best of both worlds as we transition from traditional methods to digital insurance. Here’s what we could find about mobile apps that some big insurance companies offer:
Nationwide
Earning 4.4 stars out of 5 on Apple’s App Store and 4.2 stars on Google Play, Nationwide has a totally respectable mobile app that helps this old insurer stick around in a changing industry. If you like your policy and premium from Nationwide, your customer experience won’t be held back by an ancient mobile app.
Progressive
With 4.5 stars on Apple’s App Store and 4.7 stars on Google Play, Progressive offers a very usable digital experience. Pay bills, change your insurance coverage, add insurance policies, and download your documents and insurance cards with Progressive’s app.
Liberty Mutual
Liberty Mutual is one of the nation’s largest insurance companies, and the reviews of its mobile app suggest that it’s not going to be knocked aside by insurtech developers anytime soon. More than 200,000 reviewers on Apple’s App store rated Liberty Mutual’s app with 4.8 stars on average, and it received 4.7 stars on Google Play.
Allstate
The Allstate mobile app receives great reviews from iPhone users, but its Google Play rating is 3.7 stars. If you have an Android, you might be feeling a little undervalued by Allstate’s digital approach. So if digital insurance is a priority for you, take it into account. Customers say the app is slow, doesn’t save their credit card info, and is generally “useless.”
Methodology
Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page.
The car insurance data includes coverage analysis and details on drivers’ vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
With this information, Insurify can offer drivers insight into how companies price their car insurance premiums. The data included on this page represent averages across ages, genders, credit scores, and driver profiles.
Digital car insurance FAQs
Looking for more information to help you find the best digital car insurance company for you? Consult the answers below.
How are digital insurance companies different from regular insurance companies?
Digital insurance companies leverage digital technologies to streamline the insurance process, develop personalized insurance solutions, and improve overall customer experience. On the other hand, many traditional insurance companies struggle to offer these technological advancements, often resulting in higher rates and slower service.
Will insurtech startups help you save money on insurance?
Insurtech startups can potentially help you save money on car insurance. Many insurtech companies offer mileage-based and usage-based pricing. Depending on your driving habits, this can lead to lower rates. However, like traditional insurance offerings, rates depend on various factors, including your location, driving history, age, and coverage needs.
Is it safe to purchase auto insurance entirely online?
Buying car insurance online is perfectly safe, provided you choose a reputable and trustworthy insurer. Before purchasing car insurance online, thoroughly research different insurance companies. Look for well-established businesses with positive customer reviews.
What is a digital insurance policy?
A digital insurance policy refers to an insurance policy that is created and managed electronically through a website or mobile app. Policies are written and priced through digital algorithms, while the companies maintain live customer service.
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