# Auto vs Philo Mobile

The clearest difference is ads: Auto at none against Philo Mobile's shown. Auto also leads on ratings volume (5.8K 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.

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 5.8K 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 October 3, 2026 and September 26, 2026 respectively.

## The numbers

| Metric | Auto | Philo Mobile |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (5.8K ratings)](https://appshunter.io/ios/app/auto-owners-mobile/id1250194133/reviews) | **[4.8 (117 ratings)](https://appshunter.io/ios/app/philo-mobile/id1461139921/reviews)** |
| Number of ratings | **5.8K** | 117 |
| Positive reviews | 24.3% of reviews | — |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | **Every 5 weeks** | Every 4 months |
| Monetization | **Free** | Ad-supported |
| Size | 25 MB | 104 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Auto-Owners Insurance](https://appshunter.io/developer/1250194132) | [Philo Exchange Bank Inc.](https://appshunter.io/developer/1461139920) |

## What reviewers say

### Auto

[App page](https://appshunter.io/ios/app/auto-owners-mobile/id1250194133)

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.

**Highlights:** Policy management, Bill payments, Automatic payments, Roadside assistance requests, Glass claim submission, Claim status tracking, ID card access

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Clean and intuitive user interface design
- 📋 Easy access to policy documents and information
- 💳 Convenient bill payment functionality
- 📱 Fingerprint/Face ID authentication available
- 🎯 Comprehensive policy management in one place

**What reviewers complain about**

- 🐛 Persistent login failures and spinning loading screens
- ❌ Only displays auto policies, not all policy types
- ⚠️ Frequent app crashes and freezing
- 📱 Incompatible with older iOS versions and devices
- 🔄 Requires forced redirects to app from web browser

**Reported bugs**

- 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

**Requested features**

- 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.)


### Philo Mobile

[App page](https://appshunter.io/ios/app/philo-mobile/id1461139921)

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.

**Highlights:** View account balances, Check transaction history, Deposit checks, Transfer funds, Pay bills

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is Auto free?

Auto is free to download, with no in-app purchases.

### Is Philo Mobile free?

Philo Mobile is free to download, with no in-app purchases.

### Which has better reviews, Auto or Philo Mobile?

Philo Mobile is rated higher. Auto averages 4.7 out of 5 from 5.8K ratings, while Philo Mobile averages 4.8 from 117 ratings.

### Do Auto or Philo Mobile have ads?

Philo Mobile shows ads; Auto does not.

### Which is updated more often, Auto or Philo Mobile?

Auto ships an update every 5 weeks, and Philo Mobile every 4 months. Most recently, Auto was updated on October 3, 2026 and Philo Mobile on September 26, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*