# Novo: Drive Safe, Get Rewarded — Let Driving Do The Talking > Usage-based car insurance app with real-time driving behavior tracking and monthly rate adjustments. (iPhone/iPad app by Novo Insurance, LLC.) - Source: https://appshunter.io/ios/app/novo-drive-safe-get-rewarded/id1560121519 (this page in markdown: same URL + `.md`) - Developer: [Novo Insurance, LLC](https://appshunter.io/developer/1560121521) - Category: Finance, Lifestyle - Price: Free - Rating: 4.40/5 from 98 App Store ratings · 15 written reviews indexed - Age rating: 4+ - Requires: iOS 15.0 · 160 MB - Languages: American English - Released: 2021-04-07 - Data updated: 2026-08-26 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/novo-drive-safe-get-rewarded/id1560121519/reviews.md ## What is Novo? Tired of overpriced car insurance that doesn’t reflect how safely you drive? Novo fixes that. Novo puts you in control — just your phone, your driving, and fair pricing that updates monthly. Whether you're here for a quote or managing a policy, Novo makes it easy, transparent, and built around how you actually drive. Want to start now? Get a free quote and lock in a fair rate! Want to test the waters first? Try our drive first option: download the Novo app and hit the road. Once your Safety Score is ready, we’ll show you a personalized rate based on how you drive. Driving safer can lead to savings of up to 38%. What You Can Do in the App Drive first: View Trip History: Review your past drives and pinpoint what needs improvement. Track Your Driving: Your speed, braking, and acceleration shapes your score — and your rate. See what’s helping or hurting it. Unlock Your Quote: Safe drivers save up to 38% vs traditional insurance. Once you’re insured: Access Digital ID Cards: Keep proof of insurance handy in the app or add to Apple Wallet. Use the Accident Checklist: Step-by-step help if you're in a collision. Manage Billing: View bills, make payments, or update your payment method. Monitor Your Safety Score: Your rate is updated monthly, so one bad week won’t lock you into a high rate. Frequent Asked Questions ▸ How does Novo know how I drive? Novo's mobile app collects your driving behavior by measuring factors like speed, acceleration, braking during trips. This data is used to calculate a monthly Safety Score, which directly affects your insurance rate — driving safer can lower it, while bad habits can push it higher. ▸ Do I need to install anything in my car? No hardware needed. Just download the Novo app. It uses Bluetooth to connect with your car, helping accurately to detect when you're the driver—not just a passenger. No plug-in devices, no guesswork.​ ▸ What happens if my driving gets worse for a bit? Will my rate spike? Novo's monthly assessment means that temporary changes in your driving behavior won't have long-term impacts. If your Safety Score dips, your rate may adjust accordingly for the next month, but improvements in your driving can lead to lower rates in subsequent months. ​ ▸ What kind of coverage does Novo offer? Novo provides standard auto insurance coverages, including:​ Liability Coverage: Covers bodily injury and property damage to others if you're at fault in an accident. Collision Coverage: Pays for damages to your vehicle from collisions, regardless of fault. Comprehensive Coverage: Protects against non-collision-related incidents like theft, vandalism, or natural disasters. ## Key features - Personalized insurance rates - Monthly safety score monitoring - Trip history and driving behavior tracking - Digital ID cards - Accident checklist assistance - Billing management ## Recent user reviews (10 of 15) All indexed reviews: https://appshunter.io/ios/app/novo-drive-safe-get-rewarded/id1560121519/reviews.md ### 5/5 — Novo Onsurance *2026-07-28, version 4.19.0* Outstanding Rates ### 5/5 — Quote *2026-07-24, version 4.19.0* Fast, easy and affordable ### 5/5 — Easy to use *2026-07-23, version 4.19.0* Very intuitive app ### 3/5 — Has its pros and cons *2026-07-19, version 4.19.0* It’s like any other app of this magnitude. They are judging the wrong things of a vehicle literally judging the wrong things cause people that stand major major cities are always gonna have a hard break at any given time and it ain’t all from them following too close, it’s just from people not paying attention cutting people off almost hitting them things of that nature being a drug driver over 27 years of doing it over the road outside my regular everyday life, driving acceleration, rapid acceleration in some states you don’t have short you don’t have a long acceleration line. You have short acceleration lanes you getting on the interstate at 75 miles an hour you gotta get in the floor of that traffic. That’s even talk to anybody in school of any sort, I don’t care if it’s trucking I don’t care if it’s drivers Ed is taught that so this high acceleration thing y’all have that need to change because rapid acceleration is part of the car they wouldn’t put up what they call a passing gear that particular format of acceleration in a vehicle just to be there because people trying to get on an interstate not going to speed limit getting on y’all having these people be more of an accident prone situation than anything and don’t even know it. People here on interstate 55 into a 75 mile hour zone not safe at all. Y’all talk about safety be about it because this year I can report to and watch as a driver over the road over the years out there and watch more accidents happen because of the fact people getting on the interstate too slow not going fast enough watch many of them happens when people cutting other people off right at their nose and I said write the note I can talk about it. I got cameras all over my car so you basically leave one thing I don’t hit my break for no reason I barely saw them touch them. ### 1/5 — Terrible company *2026-06-27, version 4.17.2* Terrible company; they don't inform the MVD that you are insured with them, and as a result, the MVD has suspended my registration. ### 1/5 — You pay what’s on your declaration page! *2026-06-27, version 4.17.2* I was a Novo customer for six months and initially paid between $150–$180 per month based on my driving. After buying a new car in January 2026, my premium suddenly jumped to nearly $290 per month—even though I went from a supercharged turbo Volvo T6 to a Hyundai Elantra, which I expected would be less expensive to insure. Wanting to understand why, I spent an entire month (May 27–June 26) driving as carefully as possible. I even downloaded two independent driving apps to track my acceleration. Both gave me a perfect score of 100. Here’s what didn’t make sense: Novo also gave me a 100% driving score, yet my pricing score was only 90, which removed me from the top 10% of drivers and increased what I paid. When I called customer service, I was told that Novo measures the movement of your phone—not the movement of your vehicle—to calculate acceleration. That means if your phone shifts, slides, or moves inside the car, it can affect your acceleration score and, ultimately, your pricing. Before signing up, check your declarations page and divide the six-month premium by six so you know your actual monthly cost. Also, ask exactly how your driving is being scored and how that score translates into your premium. This was my experience, and I think consumers deserve more transparency about how pricing scores are calculated. ### 5/5 — Driver *2026-06-23, version 4.17.1* This is a wonderful rate. Every time we have a concern they are prompt. Renewal is easy and quick. Our rate even went down!! We are so happy with NOVO ### 2/5 — Sensitive Bluetooth reading *2025-11-19, version 3.7* I don’t mind having to track my driving I’ve done it with other apps and companies but this one is so sensitive especially to “hard braking” it doesn’t allow you to decelerate any less than 7mph every second so I get big points deducted and when I drive well I only go up one point it makes it very hard to even concentrate on the road and on my driving when I’m constantly trying to manage the speed of everything to not get points deducted I even count now to keep track my last drive I didn’t even brake hard and counted on time but they still supposedly tracked “hard braking” and now my score has gone down 3 points for a one mile trip I accelerate and decelerate so slow I have cars almost running into the back of me it’s dangerous so I guess I’ll have to switch insurance companies again ### 2/5 — Decent insurance terrible app *2025-05-26, version 2.24.0* Insurance is decent and affordable. I don’t like I have to use an app to monitor how I drive to keep my rates down. That is seriously intrusive. And the app never stays connected to my car so it’s not getting all the data it needs. Would only recommend for those with older cars. ### 1/5 — Terrible stay away! *2024-03-24, version 2.12.0* Terrible company. No communication, they refuse to send out bills, zero communication with billing issues and then they claim they can’t fix issues?? Also zero communication when there are issues on their end. Save the hassle and go with a reputable company… ## Frequently asked questions about Novo ### How does Novo know how I drive? Novo's mobile app collects your driving behavior by measuring factors like speed, acceleration, and braking during trips. This data is used to calculate a monthly Safety Score, which directly affects your insurance rate. Driving safer can lower it, while bad habits can push it higher. ### Do I need to install anything in my car for Novo? No hardware is needed. You just need to download the Novo app. It uses Bluetooth to connect with your car, helping to accurately detect when you're the driver—not just a passenger. No plug-in devices or guesswork are involved. ### What happens if my driving gets worse for a bit with Novo? Will my rate spike? Novo's monthly assessment means that temporary changes in your driving behavior won't have long-term impacts. If your Safety Score dips, your rate may adjust accordingly for the next month, but improvements in your driving can lead to lower rates in subsequent months. ### What kind of coverage does Novo offer? Novo provides standard auto insurance coverages, including Liability Coverage (bodily injury and property damage), Collision Coverage (for vehicle damage from collisions), and Comprehensive Coverage (for non-collision incidents like theft or natural disasters). ### Can I get a quote with Novo? Yes, you can get a free quote with Novo. You can also try their 'drive first' option to test the app and receive a personalized rate based on your actual driving behavior. ### How much can I save with Novo? Safe drivers can save up to 38% with Novo compared to traditional insurance. Your savings are directly tied to your Safety Score, which is updated monthly. ### What devices does Novo support? Novo is available on iPhone and iPod, and is suitable for users aged 4 and up. ### How often is Novo updated? The latest version of Novo is 4.9.0, and it was last updated on March 26, 2026. This indicates a commitment to regular updates and improvements. ## Version history (last 5 releases) ### 4.22.0 — 2026-08-19 Stability and performance improvement. ### 4.21.0 — 2026-08-18 Stability and performance improvement. ### 4.19.0 — 2026-07-07 Stability and performance improvement. ### 4.18.0 — 2026-06-30 Stability and performance improvement. ### 4.17.2 — 2026-06-23 Stability and performance improvement. ## Apps similar to Novo | App | Rating | Price | Category | | --- | --- | --- | --- | | [Just: Affordable Car Insurance](https://appshunter.io/ios/app/just-affordable-car-insurance/id1471625834) | 4.3 (2,221) | Free | Finance | | [Farmers Insurance Mobile](https://appshunter.io/ios/app/farmers-insurance-mobile/id373431224) | 4.8 (27,155) | Free | Finance | | [American Family Insurance App](https://appshunter.io/ios/app/american-family-insurance-app/id329763835) | 4.7 (91,095) | Free | Finance | | [GEICO Mobile - Car Insurance](https://appshunter.io/ios/app/geico-mobile-car-insurance/id331763096) | 4.8 (4,755,415) | Free | Finance | | [Metromile - Car Insurance](https://appshunter.io/ios/app/metromile-car-insurance/id734641795) | 4.6 (24,200) | Free | Finance | | [Acuity Insurance](https://appshunter.io/ios/app/acuity-insurance/id785661940) | 4.8 (7,624) | Free | Finance | ## More apps by Novo Insurance, LLC - [Novo Test Drive for Savings](https://appshunter.io/ios/app/novo-test-drive-for-savings/id6760427138) All apps by Novo Insurance, LLC: https://appshunter.io/developer/1560121521 ## Related topics [novo](https://appshunter.io/ios/topics/novo) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-26.*