Auto vs Philo Mobile
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Auto
Manage your insurance policies, payments, and claims conveniently on the go. Access ID cards, request roadside assistance, and submit claims with ease. Stay informed with alerts and paperless document options.
- Policy management
- Bill payments
- Automatic payments
- Roadside assistance requests
- Glass claim submission
- Claim status tracking
- ID card access
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Stay connected to your insurance anytime, anywhere with the Auto-Owners mobile app. Easily manage your policies, payments, claims and more. • Pay your bills • Set up and manage automatic payments • Request roadside assistance • Submit a glass claim • Check claim status and view claim documents and history • Access your insurance ID cards and policy documents • Get temporary proof of insurance for a newly acquired vehicle • Manage how you receive documents, including paperless options • Update your texting preferences and choose how you receive important alerts
Philo Mobile
Access your bank accounts on the go. View balances, transaction history, deposit checks, transfer funds, and pay bills securely from your mobile device. Manage your finances anytime, anywhere.
- View account balances
- Check transaction history
- Deposit checks
- Transfer funds
- Pay bills
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Philo Mobile is a free service, from Philo Exchange Bank, that allows you to access your money anytime, anywhere. With Philo Mobile you can view your account balances, view recent transaction history, deposit checks, transfer funds (internally), and pay bills from virtually anywhere on your iPhone or iPad.
Screenshots
Verdict
The clearest difference is ads: Auto at none against Philo Mobile's shown. Auto also leads on ratings volume (4.8K vs 117) and update cadence (every 5 weeks vs every 4 months). On price, rating, in-app purchases and device support there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
On the App Store both sit at effectively the same score — 4.7 for Auto against 4.8 for Philo Mobile. That said, the two scores are not equally well evidenced: Auto has 4.8K ratings behind it against 117, so its average is the more settled of the two.
Auto ships an update every 5 weeks, Philo Mobile every 4 months. The most recent releases landed on September 30, 2026 and September 26, 2026 respectively.
| Parameter | Auto | Philo Mobile |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (4.8K ratings) | 4.8 (117 ratings) — better |
| Positive reviews | 24.3% of reviews | — |
| Number of ratings | 4.8K — better | 117 |
| Update frequency | Every 5 weeks — better | Every 4 months |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 16.0 | 15.0 — better |
| Further details — not scored | ||
| Size | 24 MB | 104 MB |
| Age rating | 4+ | 4+ |
| Developer | Auto-Owners Insurance | Philo Exchange Bank Inc. |
Customer experience
Auto
Philo Mobile
Bugs and requests
Auto
Reported bugs
16 issues- Login page hangs indefinitely with spinning wheel
- App crashes immediately upon opening
- Password reset creates infinite loop
- Account creation fails with vague error messages
- iOS 14+ compatibility issues
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- iOS 18 sign-in completely broken
- App won't update or forces update that breaks functionality
- Claim status fails to update
- File upload errors when submitting documents
- Payment processing fails despite successful submission
- Autopay doesn't execute on scheduled dates
- VIN number not recognized when adding vehicles
- Proof of insurance doesn't update after payment
- Offline detection shows false positives
- Agency changes require manual policy deletion/re-addition
- App requires reinstall to function after updates
Requested features
12 requests- Print and export PDF functionality
- Save documents to files or cloud storage
- Apple Wallet integration for insurance cards
- Dark mode option
- Support for all policy types (home, boat, etc.)
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- Ability to hide or organize cancelled policies
- Password manager compatibility (1Password, iCloud Keychain)
- iPad auto-rotate support
- Agent-specific app
- Better password reset and account recovery flow
- Update autopay settings within app
- Add new vehicles functionality improvement
Philo Mobile
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Auto
No in-app purchases
Philo Mobile
No in-app purchases
Questions
Is Auto free?
Is Philo Mobile free?
Which has better reviews, Auto or Philo Mobile?
Do Auto or Philo Mobile have ads?
Which is updated more often, Auto or Philo Mobile?
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