# MySelective vs O&R

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.

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.

## The numbers

| Metric | MySelective | O&R |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (3.9K ratings)](https://appshunter.io/ios/app/myselective/id582172740/reviews) | **[4.8 (9.7K ratings)](https://appshunter.io/ios/app/o-and-r/id1357406885/reviews)** |
| Number of ratings | 3.9K | **9.7K** |
| Positive reviews | **46.0% of reviews** | 45.1% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 6 weeks** |
| Monetization | **Free** | Ad-supported |
| Size | 108 MB | 20 MB |
| Requires iOS | **13.0** | 16.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Selective Insurance Group, Inc.](https://appshunter.io/developer/582172743) | [Con Edison](https://appshunter.io/developer/354758056) |

## What reviewers say

### MySelective

[App page](https://appshunter.io/ios/app/myselective/id582172740)

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.

**Highlights:** Account activation, Biometric login, View policy information, Access ID cards, Request insurance certificates, Live chat support, Make payments, Roadside assistance, Report and track claims

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Quick and easy app
- 👍 Efficient
- 👍 Convenient and simple
- 👍 User friendly
- 👍 Great app

**What reviewers complain about**

- 🐛 App freezes
- 🐛 Unresponsive app
- 🐛 Buggy app
- 🐛 Slow app
- 🐛 Unable to log in

**Reported bugs**

- 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**

- 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

[App page](https://appshunter.io/ios/app/o-and-r/id1357406885)

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.

**Highlights:** Sign in securely, View and pay bills, Compare energy use, Get energy-saving tips, Report outages, Contact support

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 👍 Convenient payment options
- 👍 User-friendly app
- 👍 Visually appealing
- 👍 Efficient and responsive

**What reviewers complain about**

- 🐛 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

**Reported bugs**

- Login screen freezes
- Incompatible with older devices
- Inaccurate billing and usage data
- Outage map not working
- Frequent app crashes and freezes

**Requested features**

- Improved Mint integration
- iPad version of the app
- More detailed usage insights and analytics
- Reliable real-time usage tracking
- Improved outage map and notifications


## Frequently asked questions

### Is MySelective free?

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

### Is O&R free?

O&R is free to download, with no in-app purchases.

### Which has better reviews, MySelective or O&R?

O&R is rated higher. MySelective averages 4.7 out of 5 from 3.9K ratings, while O&R averages 4.8 from 9.7K ratings.

### Do MySelective or O&R have ads?

Neither MySelective nor O&R shows ads.

### Which is updated more often, MySelective or O&R?

MySelective ships an update every 2 months, and O&R every 6 weeks. Most recently, MySelective was updated on November 10, 2026 and O&R on November 11, 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.*