Comparison

State vs NavJar

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

State

Manage your insurance policies, make payments, and start claims 24/7. Get new quotes in minutes and access all your policy documents easily. Log in quickly with PIN or Face ID.

Highlights
  • 24/7 insurance management
  • Fast login with PIN/Face ID
  • Online claim submission and tracking
  • Policy payment management
  • View policy information and documents
  • Get new quotes in 2 minutes
Features
Read full description

About this app​ Your State insurance anytime, anywhere.​ With the State app, we’re here for you 24/7. Manage your insurance with faster log in using a PIN or face ID.​ ​ Make a claim online​ Starting your claim is easy in the app. If you need to claim for home or motor insurance, you can start a draft, make a claim, and check your claim’s progress every step of the way.​ ​ Easily manage your payments​ Make a payment for your policy straight from the app.​ ​ All your policies in one place​ View your policy information and documents in the app. You can see what you’re covered for at any time. And choose to get your insurance documents by email or by post.​ ​ Get a quote ​ Get a new quote in 2 minutes. Or find an existing motor quote and pick up where you left off.

About

NavJar

Features
Read full description

Travel without the credit-card hangover. NavJar turns every trip into a savings goal you can actually hit — with a real finish date, an adaptive monthly amount that adjusts as you go, and a planner that knows what each leg of the trip costs. Pick a destination. Set a date. Watch your jar fill up. WHY NAVJAR • Save toward a real target — not a vague "travel fund" • See the exact month you'll be ready to go • Plan the full itinerary: flights, stays, activities, meals, transport • Travel with friends or family — split fairly, see who's in on what • Works across iPhone, Android, and the web — your jar follows you A SAVINGS PLAN THAT ACTUALLY ADAPTS NavJar's adaptive recommendation watches your contribution rhythm and updates the monthly target every time you log a deposit. Saved more this month? Next month's target drops. Missed a month? It quietly catches you up over the rest of the plan. No guilt, no manual recalculating. THE FORECASTER (PRO) Slide the monthly amount up or down and watch the finish date move in real time. See what saving $200/month vs $350/month means for your departure — before you commit. GROUP TRIPS — SAVE TOGETHER Travelling with friends, family, or a partner? Invite them to the trip. NavJar splits the costs fairly based on who's going to what: if half the group skips the helicopter tour, only the half who's in pays for it. Each member sees their personal share, their personal target, and how they're tracking — all without anyone needing a spreadsheet. PLAN THE FULL ITINERARY Drop in flights, stays, activities, meals, and transport. NavJar groups them by day, totals the cost in the trip's currency, and keeps your savings target in sync with what the trip will actually cost. Three views — Days, Calendar, Group — switch in one tap. ITINERARY IMPORT Already booked through Kalena? Import the JSON and NavJar lays the whole trip out for you — days, items, totals, currencies. No re-typing. CURRENCY-AWARE END-TO-END Each trip can have its own currency. NavJar handles the FX so what you save in NZD shows up correctly against your USD or WST trip target — no mental math. ANALYTICS THAT TELL YOU SOMETHING See your actual save rate vs the target, the projected balance on your trip date, and which category (stays, flights, activities) is eating the biggest slice of the budget. Not "engagement metrics" — the numbers that decide whether you go. WHO IT'S FOR NavJar is for people who travel deliberately. You'd rather save up for six months and enjoy the trip than book on the card and stress about repayments. You like seeing the plan. You like seeing the finish line move closer with every contribution. PRIVACY-FIRST NavJar doesn't sell your data, doesn't run ads, and doesn't talk to your bank. You log what you've saved. We do the math. That's it. PRO Forecaster + advanced analytics are part of NavJar Pro — one-time purchase per platform. Everything else is free, including unlimited trips and group trips. Start your first jar today. Your future self is on the beach already.

Screenshots

State4 screens
NavJar4 screens

Verdict

The call

The clearest difference is in-app purchases: State at none against NavJar's 1. NavJar's advantage is iOS requirement (15.1 vs 17.0). On price, update cadence, ads 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. NavJar sells 1 in-app purchase, starting at $1.99 per month. State asks for nothing beyond the download.

UpkeepUpdate frequency

State ships an update monthly, NavJar every 6 weeks. The most recent releases landed on October 10, 2026 and October 1, 2026 respectively.

Scorecard2 real differences · 8 level
State versus NavJar: the parameters behind the verdict, then further details
ParameterStateNavJar
PriceFreeFree
Rating4.5 (4 ratings) — better—
Positive reviews10.8% of reviews—
Number of ratings4 — better—
Update frequencyMonthly — betterEvery 6 weeks
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree—
DevicesiPhone, iPadiPhone, iPod
Requires iOS17.015.1 — better
Further details — not scored
Size78 MB66 MB
Age rating4+4+
DeveloperIAG New Zealand LimitedNavicaters Limited

Bugs and requests

State

Reported bugs

17 issues
  • App requires newer phone/OS
  • Login issues (timeouts, incorrect password, constant logouts)
  • Cannot add drivers/make changes
  • Security number expiry issues
  • Claim processing delays
Show 12 more
  • App crashes when viewing policies
  • Authentication errors
  • Registration stage not working
  • App doesn't work or shows 'service not available'
  • App bounces back to main menu with error
  • App shows old/overdue/incorrect policies
  • Buttons not functioning (roadside assistance, settings)
  • Offers feature not working
  • App doesn't render correctly on iPhone 11
  • Policy button doesn't work
  • Cannot view policies since updating
  • Direct debit updates not real-time

Requested features

17 requests
  • Allow adding drivers on the app
  • Allow making changes to policies on the app
  • Show monthly/weekly/fortnightly/annual premium in summary
  • Clearly show payment transaction statement in one place
  • Allow adding new addresses manually
Show 12 more
  • Sync app and website for new policies
  • Provide policy wording
  • Fix login timeout issues
  • Allow viewing all pages of policy documents
  • Improve app performance and stability
  • Update the app more frequently
  • Allow manual entry of addresses
  • Improve customer service response times
  • Make the app more interactive
  • Allow viewing payment history
  • Allow viewing personal details
  • Improve direct debit updates to be real-time

NavJar

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

State

No in-app purchases

1 purchases

NavJar

Subscriptions1
  • NavJar Pro Monthly$1.991 Month

Questions

Is State free?
State is free to download, with no in-app purchases.
Is NavJar free?
NavJar is free to download, with in-app purchases available.
Do State or NavJar have ads?
Neither State nor NavJar shows ads.
Which is updated more often, State or NavJar?
State ships an update monthly, and NavJar every 6 weeks. Most recently, State was updated on October 10, 2026 and NavJar on October 1, 2026.

Other comparisons