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Which Companies Have the Best Car Insurance Apps?

Several national car insurance companies offer a mobile app that allows customers to view their policy information, make payments, file claims, request roadside assistance and more. With no need to access a laptop or visit your insurance agent, managing your auto policy is easier than ever.

Telematics programs reward safe drivers with a premium discount in exchange for surrendering their driving data (tracked through the mobile app). While you’re driving, the app will record your speed, mileage and other driving factors.

Car Insurance App Ratings

State Farm ranked highest for average rating and most downloads in the Google Play store (Android). The Apple App Store does not publicly disclose the number of downloads for each app.

Company

Google Play Rating

Google Play Downloads

Apple App Store Rating

State Farm

4.7

5M+

4.8

Farmers

4.6

500K+

4.8

Mercury

4.4

50K+

4.8

American Family

4.3

500K+

4.8

Allstate

4.0

5M+

4.8

Nationwide

4.1

500K+

4.5

Travelers

3.6

500K+

4.7

Auto-Owners

3.2

100K+

3.0

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Highest-Rated Car Insurance Apps and Customer Reviews

State Farm, Farmers and Mercury ranked in the top three for the highest rating in the Google Play and Apple App Store, followed by AmFam and Allstate. Below, we’ve outlined pros and cons of each mobile app based on customer reviews.

Car insurance apps make managing your auto policy easier than ever.

#1 State Farm

Ranked 4.7 and 4.8 on the Google Play and Apple App Store respectively, State Farm takes the top spot for the highest ranked insurance company mobile app. State Farm was the most downloaded mobile app in the Google Play store. With the State Farm mobile app, drivers can file and manage claims, upload documentation, access their electronic insurance card, request roadside assistance and more.

State Farm customers reviews of the mobile app:

Favorable Reviews

Critical Reviews

More convenient than using the online portal

Compatibility issues with some phone models

No more worrying about making it to a physical office before closing hours

Some delays in syncing policy information

Convenient for making payments

Customer service responses were not always immediate

#2 Farmers

Farmers comes in second place for the highest-ranked auto insurance app with a 4.7 rating on Google Play and a 4.8 on the Apple App Store. Farmers make it convenient for customers to pay their bills, manage payment options, file and manage claims, request roadside assistance and even request car insurance quotes.

Here’s what real customers had to say about the mobile app:

Favorable Reviews

Critical Reviews

Convenient for managing your bill and making payments

Calling an insurance agent may be necessary for certain policy changes

User-friendly

Some delays in syncing policy information

Easy to connect with an insurance company agent

Issues with uploading photos

#3 Mercury

With a 4.4 rating on Google Play and 4.8 rating on the Apple App Store, Mercury snags third place for the highest-ranked car insurance app. On the mobile app, customers can manage their auto insurance policies, pay bills, request roadside assistance, access their electronic insurance card and more. Due to the company not servicing many states, Mercury was the least downloaded app on Google Play at 50,000 downloads.

Here’s what real customers had to say about Mercury’s mobile app:

Favorable Reviews

Critical Reviews

Excellent customer service

Issues with registering an account

Easy access to proof of insurance ID cards

Compatibility issues with some phone models

Convenient for making payments and managing policy

 

Easy to get a quote

 

#4 American Family

Ranked 4.3 on Google Play and 4.8 on the Apple App Store, the American Family (AmFam) mobile app allows customers to file and manage claims, access their electronic insurance ID cards, request roadside assistance and schedule payments.

AmFam customers had favorable and critical reviews of the mobile app:

Favorable Reviews

Critical Reviews

Excellent customer service and professionalism 

Online portal may be more intuitive

Easy to navigate 

Issues with uploading pictures

Easy to make payments

Some delays in syncing policy information

#5 Allstate

Concluding this list is the Allstate mobile app with a 4.0 rating on Google Play and a 4.5 rating on the Apple App Store. After downloading the mobile app, customers can manage their auto policy, access their digital proof of insurance card, manage payments, request roadside assistance and upload claim-related documentation. Customers can also contact their insurance agents directly through the app.

Here’s what customers are saying about Allstate's mobile app:

Favorable Reviews

Critical Reviews

Save money with Drivewise

Battery drain when using Drivewise (telematics)

Managing policy is simple

Occasional glitches

App is straightforward

Need to log in each time you access the app

State Farm, Farmers and Mercury ranked in the top three for the highest rated apps, followed by AmFam and Allstate.

Which Apps Are Best For Saving Money on Car Insurance?

Several insurance companies have launched their telematics programs, allowing drivers to earn a discount based on how safely they drive. Data is typically collected by downloading a mobile telematics app. Companies that offers discounts through their telematics programs include:

  • State Farm Drive Safe & Save: Earn a discount of up to 30% if you display safe driving behaviors.
  • Signal by Farmers: Earn a discount when you renew policy based on how safely you drive. A Signal score of 80% can earn you $100 in rewards monthly.
  • MercuryGO: Drivers who return data showing good driving behaviors can earn a premium discount.
  • KnowYourDrive by American Family: Save up to 20% on auto insurance if your driving data shows you’re a safe driver.
  • Nationwide SmartRide: Save 10% instantly just by signing up for Nationwide’s telematics program.
  • Travelers Intellidrive: Qualify for a discount of up to 30% for driving safely.
  • USAA SafePilot: This telematics program rewards drivers with a premium discount of up to 10% for driving safely.

Note: Collected data on your driving habits include vehicle speed, braking, miles driven, trip duration and how frequently you use your phone while driving.

Several insurance companies have telematics programs, allowing drivers to earn a discount based on driving data collected on an app.

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Are Car Insurance Apps Worth It?

Downloading your insurance company’s mobile app is free, convenient and easily accessible. For many drivers, the auto insurance app is worth having on your smartphone device.

  • Downloading the app is free: Downloading your insurance company’s mobile app and using its various features is at zero cost to you.
  • Potentially save money: Enrolling in your insurance company’s telematics program can qualify you for a discount on your policy premium if you maintain safe driving behaviors.
  • Easy accessibility: Not everyone has quick access to a laptop or tablet but nearly every U.S. household has access to a smartphone.
  • Filing claims is convenient: After a car accident, drivers can snap pictures and upload those same pictures using the same smartphone device. Customers can also contact their insurance agent directly through the app with additional questions.
  • Skip holding on the phone: Some companies allow you to contact an insurance agent directly through the mobile app instead of waiting to be connected through the phone.
  • Keep an electronic copy of your proof of insurance card: While we recommend you always keep a physical copy of your insurance card in your card, having an electronic copy on your mobile app can be handy.

The drawback of some mobile apps used for telematics programs includes privacy issues. To provide a discount based on safely you drive, insurance companies will track your data via mobile app. You may want to avoid enrolling in your company’s telematics programs if you’re uncomfortable with surrendering data about how fast you drive, how abruptly you brake, what times you drive and more.

FAQs

Can you file a claim through a car insurance app?

State Farm, Farmers, Mercury and other insurers allow customers to file a car insurance claim and submit photos through their mobile app. Policyholders can use the mobile app to manage the claims status, as well.

Can a car insurance company track my driving through an app?

Some insurance companies will track their customers’ driving data if the app is downloaded on their phones. Drivers must agree to surrender this data in exchange for a safe driving discount.

Do I need to carry an insurance policy card if I have a car insurance app?

It’s always a good practice to store a physical copy of your proof of insurance card inside your car. In New Mexico, for instance, officers will not accept your electronic insurance ID card if they pull you over.

Key Takeaways

  • State Farm has the highest-rated mobile app on Google Play and in the Apple App Store, while also being the most downloaded app on Google Play.
  • Through the mobile app, customers can manage their policy, make payments, file a claim, request roadside assistance and more.
  • Customers often enjoy their insurance company’s mobile app for convenience, accessibility and the potential to save money by enrolling in the telematics program.
  • Car insurance carriers that offer telematics programs typically track their customers’ driving data through the mobile app.

Mobile apps are nice but car insurance coverage at a cheaper price is better. SmartFinancial’s FREE online tool compares multiple insurers in your area so you don’t have to. The result: We match you with an auto policy based on your answers to a quick questionnaire about your coverage needs and budget. Just enter your zip code below or call 855.214.2291 to receive your car insurance quote.

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