The Best Car Insurance Apps and Websites
- USAA, State Farm, and GEICO lead in customer satisfaction for online and mobile experiences.
- Most major insurers offer an app or website to make it easy to file claims, see your coverage, and more.
Ready to see what different companies have to offer? Enter your ZIP code below.
The best car insurance apps and online experiences
In 2025, it's crucial that your insurance company to offer a seamless online and mobile app experience— and the major ones do. But when the top inurance companies recieve similar digital scores, who stands out? To answer this, we've taken a deeper dive to evaluate the best car insurance apps for different types of users.
We used a combination of The Zebra's rigorous methodology, Apple Store and Google Play store ratings, and customer reviews to compile a list of the best insurance companies' apps and websites for different needs.
Best overall
USAA takes the top spot for best user experience, with the highest combined app store and Zebra ratings.
Best telematics
Among top insurers, State Farm is the Zebra's pick for best telematics program.
Best chat experience
GEICO offers the option to chat with licensed agents through their mobile app or website.
It's standard practice that your car insurance app or website is capable of the following actions:
- Digital ID card access
- Claims filing and management
- Roadside assistance
- Customer support channels
- Payment management
Top insurance companies' digital experiences
The Zebra rated car insurance companies' online and mobile usability by evaluating a variety of factors important to digital users. Below, you'll find the complete list of ratings for the carriers included, as well as app store ratings from Apple and Google Play.
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra evaluates companies by focusing on customer experience first, with an emphasis on service quality, reliability, and ease of interaction. Unlike previous models, pricing is not scored but is instead presented separately as context for comparison.
Each category has been scored using a combination of our internal customer satisfaction survey results and published scores from reputable organizations such as AM Best and J.D. Power.
- Service Accessibility & Support Quality (25%): This category measures how easy it is to get help when needed, evaluating factors such as support channel availability (phone, chat, in-person, app), response times, agent knowledge, service hours, and language accessibility.
- Claims Experience (25%): This category assesses how smoothly the claims process works, considering ease of filing (online, app, or phone), transparency and communication, processing times, and fairness in dispute resolution.
- Digital Experience & Policy Management (25%): This category evaluates the convenience of managing your policy: this includes mobile app usability, website experience, account management, digital document access, self-service options, and platform integrations
- Trust & Reliability (25%): This category looks at a company’s overall reliability, measuring financial strength, market stability, regulatory history, communication transparency, and consistency in policy terms.
Price context: Pricing varies significantly based on individual circumstances and risk factors. Customers can evaluate cost-effectiveness based on their specific situation and the service quality scores provided.
| Insurer app | Apple store rating | Google Play rating | Our digital experience score (app & web) |
|---|---|---|---|
| AAA | 4.8 | 4.6 | 4.75 |
| Allstate | 4.8 | 4.0 | 4 |
| American Family | 4.7 | 3.2 | 4.5 |
| Farmers | 4.8 | 4.7 | 3.75 |
| GEICO | 4.8 | 4.5 | 4.75 |
| Liberty Mutual | 4.8 | 4.6 | 4 |
| Nationwide | 4.7 | 4.5 | 4 |
| Progressive | 4.8 | 4.6 | 4.75 |
| State Farm | 4.8 | 4.6 | 4.75 |
| Travelers | 4.7 | 4.5 | 3.75 |
| USAA | 4.8 | 4.7 | 4.75 |
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The best regional car insurance apps
Since the top insurers in the country are fairly evenly matched, let’s take a closer look at some smaller, regional insurance companies. While these providers may not have the same breadth of resources or development power as the national giants, their digital experiences hold up surprisingly well.
Lemonade
★ Apple Store: 4.9 stars
★ Zebra digital experience score: 4.75
★ Google Play score: 4.0 stars
The Hartford
★ Apple Store: 4.8 stars
★ Google Play score: 4.7
★ Zebra digital experience score: 4.75
Digital-first car insurance companies
A wave of new insurance companies has popped up in recent years, built for people who prefer to do everything online. These digital-first providers often skip the traditional stuff and instead offer fully online service. Some go a step further by using telematics to calculate your premium based on how, when, or even how much you drive. This includes usage-based insurance models and pay-per-mile plans, which can be a smart way to save for low-mileage or occasional drivers. Let’s take a look at a few of the most popular names in this space.
Built for people who drive less and want to save more, Mile Auto uses a pay-per-mile model to keep costs down. While the company positions itself as tech-forward, some users have found the digital experience to be less seamless than expected.
Root offers telematics-based insurance designed around how you drive. Root customers use its mobile app to track driving habits and mileage—those insights help shape your personalized rate. As a tech-first insurer, Root stands out for delivering a smooth, modern digital experience.
Owned by USAA, Noblr powers the company's usage-based insurance programs, like USAA SafePilot, which rewards safe driving, and SafePilot Miles, which factors in both driving behavior and mileage.
Telematics and usage-based insurance use technology—usually an app or plug-in device—to track how, when, and how far you drive. Insurers use this real-time data to personalize your rate based on driving behavior, which can lead to discounts for safe or infrequent drivers. Pay-per-mile insurance is another option, also ideal for people who don’t drive much. It charges a base rate plus a per-mile fee, making it a smart option for remote workers, city dwellers, or anyone with a short commute.
Car Insurance with Telematics
Is usage-based car insurance the way to go, or is it cheaper to get traditional car insurance without telematics?
Pay-Per-Mile Car Insurance
Pay-per-mile car insurance works by tracking your mileage to determine your rate. Use our guide to learn if pay-per-mile car insurance is the best option for you.
Final thoughts: Online tools are essential but sometimes limited
Even as insurers invest heavily in digital tools, even the best apps can’t do everything. Complex claims may still require a phone call, and features like telematics or identity verification can demand extra steps or hardware. A strong digital experience can make insurance easier, but it won’t fully replace human help when major issues arise.
Still, as the industry becomes more technology-focused, a good online or mobile experience should be standard for any quality insurer. Streamlined digital platforms often mean better service for customers, from getting quotes to filing claims. The Zebra can help you compare top companies quickly — just enter your ZIP code below to start your search.
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Frequently asked questions
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.