The Best Car Insurance Mobile Apps in 2024

Why You Can Trust Compare.com

At Compare.com, it’s our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.

Written by J.J. Starr Edited by Lequita Westbrooks

Updated September 13, 2024

Car insurance apps are digital tools that help you manage your policies more efficiently. They offer convenience, real-time updates, and secure access to essential services. Many apps let you file claims, make payments, and request roadside assistance straight from your phone. Additionally, you can use your digital auto insurance ID cards as valid proof of coverage in all states except New Mexico.

GEICO and The General lead the market with apps that provide robust, easy-to-use features. But insurance apps offer more than policy management — some specialize in emergency services, improving driving habits, or getting better rates on car insurance. You can also use multiple apps to make your life easier.

Keep reading to learn about the best car insurance apps available — plus the benefits and risks of using mobile apps.

The 5 Best Car Insurance Apps in 2024

The best car insurance app depends on your unique preferences, so carefully consider your needs and priorities when planning your digital toolbox. To help you find the right app, we researched the App Store and Google Play to find the best car insurance apps.

We selected the following apps based on their standout performance in five categories. Each mobile app excels in ease of use, value, and customer satisfaction — as actual customers report.

In the sections below, we’ll provide a detailed overview of each app and what it’s best known for.

Best for policy management: GEICO

Pros

• Simple but comprehensive auto policy management
• Customizable coverage for personalized protection

Cons

• Sometimes inaccurate readings for DriveEasy scoring
• Significant data usage for DriveEasy

The GEICO mobile app is the most reviewed app on the market, with more than 4.5 million reviews. Customers praise its accessibility and diverse functions, including bill pay, claims management with the Easy Photo Estimate feature, and policy updates (adding a new driver, etc.). You’ll also have access to a virtual assistant, roadside assistance, maintenance notifications, and recall alerts.

The two customers below gave the GEICO mobile app five stars. They’re happy with how easy and convenient the app is to use and how they can manage everything they need within the app.

Negative reviews highlight issues with DriveEasy, GEICO’s optional telematics feature. Several reviewers complain that the app penalizes them for using navigation apps and deducts points when passengers use their phones.

Several car insurance company apps, including State Farm, Progressive, and Liberty Mutual, were close contenders for best in policy management, with high functionality and excellent reviews.

Best for high-risk drivers: The General

Pros:

• Flexible payment scheduling
• Fast claims filing and insurance policy management

Cons:

• Limited coverage options within the app
• Occasional technical glitches

The General’s mobile app is the most highly reviewed car insurance app on the Google Play store. The company specializes in high-risk car insurance, but these policies often come with higher rates. The General offers flexible payment options, which makes managing payments easier for drivers with higher premiums. The app also simplifies policy changes and insurance claims filing.

The below customer loves the app’s convenience, especially when they have to file a claim.

On the other hand, some reviewers note issues with functionality, including the reviewer below, who says they couldn’t turn off an “annoying” notification.

Best for Telematics Tracking: KnowYourDrive

Pros:

• Real-time driving feedback encourages safe driving behavior
• User-friendly interface for tracking and goal-setting

Cons:

• Continuous tracking may raise privacy concerns
• Occasional trip recording inaccuracies

The KnowYourDrive app from American Family offers an effective way to monitor and improve your driving habits. It displays your current discount, trip history, distraction-free trip streak, and tips for safer driving. If you thrive on friendly competition, you can even compare your driving score to others.

Many positive reviewers — like the one below — say the app is accurate, helps them drive better, and that they enjoy competing with family members to get higher scores.

But several customers, such as the reviewer below, note inaccurate “distracted driving” notifications.

Best for roadside assistance: AAA

Pros:

• 24/7 roadside assistance with real-time tracking
• Telematics tracking for AAADrive (where available)

Cons:

• Some users report service delays
• Recent uptick in glitches

The AAA app is designed primarily for requesting roadside assistance. It allows you to set a pin on a map and track help in real time. It offers extra features, including trip planning (with discounts), a cheap gas locator, a AAA-approved auto service directory, new battery quotes, and a local office directory. But you have to be a AAA member to take advantage of these features — an annual membership costs $60 to $125 (but ranges can vary by region.

You can also get a quote, buy, and manage AAA auto and homeowners coverage). While you need a current AAA membership account to access roadside assistance, travel benefits, and member discounts, you don’t need AAA insurance to be a AAA member.

Most customers rave about the peace of mind membership offers them in their five-star reviews, as shown in the review below.

Some customers also complain about persistent glitches after an update (which AAA says it’s addressing). The customer below explains the post-update glitch and how it’s preventing them from earning discounts.

Best for personal finances: USAA

Pros:

• Access to insurance, banking, and financial tools
• Zelle integration makes sending money a breeze

Cons:

• Some users report buggy experiences
• Reported issues with credit card payments.

Not only does USAA often rank atop J.D. Power’s customer satisfaction ratings, but it also boasts one of the highest-rated car insurance apps in the industry. Like other popular choices, USAA’s mobile app gives you access to ID cards, roadside assistance, and claim services. You can also use the app to sign up for SafePilot and monitor your driving habits, potentially earning a discount of up to 30% on your auto policy.

But USAA’s app goes beyond car insurance. Members who also bank with USAA can use the app to pay bills, deposit checks, send money, and find a nearby ATM — something no other car insurance app offers.

Many reviewers — like the one below — praise the app’s robust functionality, noting that it “exceeded [their] expectations.”

That said, some users — especially on Google Play — complain about buggy features and frustrating error messages.

Benefits of Using a Mobile App to Manage Your Car Insurance

Managing your car insurance through a mobile app helps you organize important information, manage your insurance policies, and access your benefits. Here are some of the most common benefits of car insurance apps.

• View ID cards: Instantly view and share your digital insurance cards.
• Update coverage: Easily adjust your policy details or coverage levels when you need to.
• File and track claims: Submit car insurance claims with documents and photos and monitor claim status in real time.
• Request roadside assistance: Request, track, and manage roadside help using your phone’s GPS.
• Manage payments: Pay premiums, get payment reminders, and set up autopay from anywhere.

Potential Risks Involved With Using Car Insurance Apps

Car insurance apps allow you to manage policies anytime, anywhere. But they come with risks you should be aware of. These include:

• Security: Your personal information could be at risk if the company doesn’t make ongoing investments in security practices.
• Privacy: Some apps track your location, driving behavior, or both, raising privacy issues about what it does with that data.
• Cost: Some apps consume a lot of mobile data, which can slow your download speeds or lead to additional charges.
• Stability: Bugs or crashes could disrupt access to important information when you need it.

Using a unique password, opting out of tracking, and keeping hard copies of insurance ID cards in your car reduces your risk.

Car Insurance App FAQs

Here are answers to some common questions people ask about top car insurance apps to help you make an informed choice.

What’s the best app for car insurance?

It depends. We found that GEICO, The General, State Farm, and others make it easy to manage personalized protection and work with exceptional customer service teams. Insurify and Jerry stand out for quote comparison, and AAA’s app is best for roadside assistance. Use one or a combination of apps to suit your needs.

What’s the most downloaded car insurance app?

The most downloaded car insurance apps for Android operating systems are GEICO, State Farm, Progressive, and USAA, each with over 10 million downloads, according to Google Play. The App Store doesn’t publish the number of app downloads, but GEICO and USAA have the most reviews.

Which is the best app for buying car insurance?

The best apps for buying (and saving money on) car insurance are Insurify and Jerry. Both apps compare quotes from multiple insurers to help you find the best rates quickly.

What apps let you compare car insurance rates?

Apps that let you compare car insurance rates include Insurify, Jerry, Way, and TOTAL: Car Insurance. These apps gather quotes from multiple insurers, allowing you to compare rates and find affordable car insurance options on the app (or with a provided agent in the case of TOTAL: Car Insurance).

How We Picked the Best Mobile Apps

Our team of expert writers and editors researched more than a dozen of the top auto insurance apps available in 2024 for consideration in this article. We looked at each’s app store ratings from the Apple App Store and Google Play, its available features, and its parent company’s scores in common industry studies by third-party organizations like J.D. Power and the National Association of Insurance Commissioners (NAIC).

Sources:

1. Google Play, “GEICO Mobile – Car Insurance,” Accessed August 27, 2024.
2. Google Play, “The General® Auto Insurance,” Accessed August 27, 2024.
3. App Store, “The General Auto Insurance App,” Accessed August 27, 2024.
4. Google Play, “KnowYourDrive,” Accessed August 27, 2024.
5. App Store, “AAA Mobile,” Accessed August 27, 2024.
6. Google Play, “AAA Mobile,” Accessed August 27, 2024.
7. App Store, “USAA Mobile,” Accessed August 27, 2024.

J.J. Starr Insurance Writer

J.J. Starr is an insurance writer for Compare.com who specializes in auto insurance and personal finance. She has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand. Prior to writing for Compare.com, J.J was a registered banker and life insurance consultant. She holds a master's degree in writing from New York University and a bachelor's degree from Stephens College.