Metromile
Finder score
Telematics | Telematics only |
---|---|
Gap insurance | No |
The best online-focused companies know how to balance coverage costs, variety of options and customer service. But if you’re more adventurous about trying new companies, many online brands are small and don’t have many customer reviews but may offer interesting coverage or benefits.
When researching online car insurance companies, we started with insurers that had limited or no local agents, a helpful online or app-based customer account and online claims. Most insurers on our list also have a wide service area and a convenient mobile app.
Our top choices received the highest Finder ratings as well as high customer reviews from Trustpilot or the Better Business Bureau. High-rated phone customer support was considered a benefit that showed the company’s customer-centered focus. In addition, these companies balanced high customer ratings with low-cost premiums.
Next, we looked at the number of coverage and discount options offered. We factored in how those companies stood in the industry by market share. And finally, we narrowed the list down to the companies that offered the best balance of these factors.
Metromile
Finder score
Telematics | Telematics only |
---|---|
Gap insurance | No |
Root
Finder score
Telematics | Telematics only |
---|---|
Gap insurance | No |
Gabi
Finder score
Gap insurance | Depends on provider |
---|
Geico
Finder score
Telematics | DriveEasy |
---|---|
Gap insurance | No |
Electric Auto
Finder score
Gap insurance | No |
---|
The main differences between online and standard car insurance companies are the lack of local agents and in-person offices. Some companies keep a few local offices available, but these are limited and not accessible to most customers.
Another main difference is the company’s online services. Many companies offer an online account. But online-only companies give you more flexibility to update your account or policy yourself. They also tend to offer an app, online calculators, self-help articles and the ability to connect with customer service online.
Online car insurance companies tend to keep their applications, customer service and claims processes online. So you might consider these companies if you’re looking to save money and are comfortable with online interactions.
Either way, compare several car insurance companies to make sure you’re getting the best coverage and service for you.
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