MySelective vs O&R
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
MySelective
Manage your insurance policies with ease. Activate accounts, view policy details, access ID cards, and request certificates. Get support through live chat, make payments, and access roadside assistance. Report and track claims, and find service providers.
- Account activation
- Biometric login
- View policy information
- Access ID cards
- Request insurance certificates
- Live chat support
- Make payments
- Roadside assistance
- Report and track claims
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MySelective lets you Be Uniquely Insured whenever and wherever you want. Managing your account is just the beginning: • Easy account activation • Simple login with Touch ID or Face ID • View policy information • View/save auto ID cards • Request certificates of insurance • View/contact your agent • Get help with Live Chat • Make payments and view payment activity • Access roadside assistance 24/7 • Report claims and check status • Contact your claims adjuster • Add photos to claims • Find auto body shops or other helpful providers
O&R
Manage your energy account conveniently from your mobile device. This app allows you to view bills, make secure payments, and track your energy consumption. It also provides helpful tips to reduce usage and report outages.
- Sign in securely
- View and pay bills
- Compare energy use
- Get energy-saving tips
- Report outages
- Contact support
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A fast and secure way to sign in, pay your bill, and get insights on your energy use. You can easily: • Review your bill • Pay securely • Compare and manage your energy use • Get tips for lowering your energy bill • Report outages • Contact us
Screenshots
Verdict
The clearest difference is monetization model: MySelective at free against O&R's ad-supported. MySelective also leads on iOS requirement (13.0 vs 16.0). On price, rating, review sentiment and ratings volume 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 MySelective against 4.8 for O&R. Both are backed by a comparable volume of ratings — 3.9K and 9.7K respectively. Written reviews split almost evenly too, at 46% and 45% positive.
MySelective ships an update every 2 months, O&R every 6 weeks. The most recent releases landed on November 10, 2026 and November 11, 2026 respectively.
| Parameter | MySelective | O&R |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (3.9K ratings) | 4.8 (9.7K ratings) — better |
| Positive reviews | 46.0% of reviews — better | 45.1% of reviews |
| Number of ratings | 3.9K | 9.7K — better |
| Update frequency | Every 2 months | Every 6 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 13.0 — better | 16.0 |
| Further details — not scored | ||
| Size | 108 MB | 20 MB |
| Age rating | 4+ | 4+ |
| Developer | Selective Insurance Group, Inc. | Con Edison |
Customer experience
MySelective
O&R
User reviews
MySelective
From 3.9K App Store ratingsWhat we love
- 🚀 Quick and easy app
- 👍 Efficient
- 👍 Convenient and simple
- 👍 User friendly
- 👍 Great app
Room to improve
- 🐛 App freezes
- 🐛 Unresponsive app
- 🐛 Buggy app
- 🐛 Slow app
- 🐛 Unable to log in
O&R
From 9.7K App Store ratingsWhat we love
- 👍 Easy to use
- 👍 Convenient payment options
- 👍 User-friendly app
- 👍 Visually appealing
- 👍 Efficient and responsive
Room to improve
- 🐛 App crashes and freezes
- 🐛 Login issues and authentication problems
- 🐛 Inaccurate usage data and billing information
- 🐛 Unreliable outage map and real-time usage features
- 💰 Excessive fees for credit card payments
Bugs and requests
MySelective
Reported bugs
5 issues- App freezes after login
- Unable to log in or reset password
- Unable to pay bills through the app
- Incompatible with older devices
- Crashes after recent update
Requested features
5 requests- Add insurance cards to iPhone wallet
- Improve certificate filling out functionality
- Add more lines for address and info
- Implement dark mode option
- Provide advanced analytics dashboard
O&R
Reported bugs
5 issues- Login screen freezes
- Incompatible with older devices
- Inaccurate billing and usage data
- Outage map not working
- Frequent app crashes and freezes
Requested features
5 requests- Improved Mint integration
- iPad version of the app
- More detailed usage insights and analytics
- Reliable real-time usage tracking
- Improved outage map and notifications
In-app purchases
MySelective
No in-app purchases
O&R
No in-app purchases
