Best Cheap Car Insurance Rates Apps

249+ iOS apps curated and reviewed

4.6 avg rating
20 free apps
Updated July 2026

From beginner-friendly picks to power-user tools, our cheap car insurance rates list covers 249+ iPhone apps updated through July 2026. Compare ratings, prices, and screenshots in one place.

Compare top Cheap Car Insurance Rates Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Root: Better car insuranceRoot: Better car insuranceFree4.7★ (73K)NoNoAug 2026
2OCHO Affordable Car InsuranceOCHO Affordable Car InsuranceFree4.7★ (1.3K)YesNoAug 2026
3Jerry: Insurance & Car CareJerry: Insurance & Car CareFree4.7★ (30K)NoNoAug 2026
4GoAuto InsuranceGoAuto InsuranceFree2.1★ (166)NoNoJul 2026
5Save Money AutoSave Money AutoFree4.8★ (1.1K)NoNoAug 2026
6GEICO Mobile - Car InsuranceGEICO Mobile - Car InsuranceFree4.8★ (4.8M)NoNoAug 2026
7Just: Affordable Car InsuranceJust: Affordable Car InsuranceFree4.3★ (2.2K)NoNoAug 2026
8Lemonade InsuranceLemonade InsuranceFree4.8★ (86K)NoNoAug 2026

Top Picks for Cheap Car Insurance Rates

Root: Better car insurance#1

Root: Better car insurance by Root, Inc.

Good drivers save money
Editor's Choice
💰 Finance
4.7😞(73K ratings)
Free
Root: Better car insurance screenshot 1
Root: Better car insurance screenshot 2
Root: Better car insurance screenshot 3
Root: Better car insurance screenshot 4
Root: Better car insurance screenshot 5
Root: Better car insurance screenshot 6

This app offers car, renters, and home insurance tailored for good drivers. It uses smart technology to provide personalized rates based on driving habits, making insurance more affordable and convenient. Manage policies, file claims, and access roadside assistance all within the app.

What We Love

  • 🚀 Affordable rates
  • 👍 Easy to use app
  • 🚗 Driving-based insurance
  • 🔒 Roadside assistance included

Room to Improve

  • 🔍 Unclear how driving score is calculated
  • 📞 Poor customer service and long wait times
  • 💰 Rates increase significantly after initial period
OCHO Affordable Car Insurance#2

OCHO Affordable Car Insurance by Ocho Holdings Co.

Flexible payment car insurance
Strong Contender
💰 Finance
4.7😞(1.3K ratings)
FreeAds
OCHO Affordable Car Insurance screenshot 1
OCHO Affordable Car Insurance screenshot 2
OCHO Affordable Car Insurance screenshot 3
OCHO Affordable Car Insurance screenshot 4
OCHO Affordable Car Insurance screenshot 5

Get affordable car insurance with flexible payment options directly from your phone. This app helps you find cheap quotes, covers your down payment interest-free, and offers payment plans that fit your schedule. Manage your policy and payments easily, with instant proof of insurance.

What We Love

  • 💰 Affordable prices
  • 🚀 Quick and easy to use
  • 🤝 Helpful for those with poor driving history
  • 🤑 Flexible payment options

Room to Improve

  • 🤖 Poor customer service
  • 🐛 App glitches and bugs
  • 🕰️ Long wait times to reach a representative
Jerry: Insurance & Car Care#3

Jerry: Insurance & Car Care by Jerry Inc

Let us handle the legwork
Worth Considering
💰 Finance
4.7😊(30K ratings)
Free
#85in Finance
Jerry: Insurance & Car Care screenshot 1
Jerry: Insurance & Car Care screenshot 2
Jerry: Insurance & Car Care screenshot 3
Jerry: Insurance & Car Care screenshot 4
Jerry: Insurance & Car Care screenshot 5

This app helps you manage your car and home insurance, compare rates from multiple providers, and get assistance with repairs and maintenance. It also offers a driving score to improve family safety and provides insights into repair costs.

What We Love

  • 🚀 Saves money on insurance
  • 👍 Easy to use app
  • 🤝 Great customer service
  • 💰 Significant savings compared to previous insurance

Room to Improve

  • 🐛 Quoted price changes after finalizing
  • 🤔 Skepticism about the 'too good to be true' offers
  • 🚫 Difficulty canceling previous policy

More Cheap Car Insurance Rates apps to explore

4
GoAuto Insurance
GoAuto Insurance
GoAuto Insurance
Quote & Manage Your Policy
Free

Get the best car insurance coverage at the lowest price. Obtain quotes, purchase policies, access digital ID cards, make payments, manage claims, and renew coverage all within the app.

Get free car insurance quotesPurchase and manage policiesAccess digital ID cards
💰 Finance
(166)
free
5
Save Money Auto
Save Money Auto
Save Money Auto
by Cheapest Auto Insurance
Free

Get fast, affordable auto insurance quotes for Oklahoma drivers. The anonymous quoting system delivers your quote in under 30 seconds, and you can bind your policy online 24/7. Save money on your Oklahoma auto insurance today.

Fast anonymous quotingQuotes in under 30 seconds24/7 online policy binding
💼 Business
(1.1K)
free
6
GEICO Mobile - Car Insurance
GEICO Mobile - Car Insurance
GEICO Mobile - Car Insurance
Quote & Manage Your Policy
Free

Manage your auto insurance policy on the go. Access digital ID cards, make payments, request roadside assistance, and submit claims. Get policy updates and vehicle care reminders.

Digital ID cardsBill paymentRoadside assistance
💰 Finance
(4.8M)
free
7
Just: Affordable Car Insurance
Just: Affordable Car Insurance
Just: Affordable Car Insurance
Instant coverage, low rates
Free

This app offers affordable car insurance by charging based on the miles you drive, not a fixed monthly rate. Get instant coverage, flexible policies, and potentially save significantly on auto insurance. It's designed for drivers in Arizona and Nevada, with more states coming soon.

Pay per mile insuranceInstant coverageLow rates
💰 Finance
(2.2K)
free
8
Lemonade Insurance
Lemonade Insurance
Lemonade Insurance
Home, car, pet, and life
Free

Easily purchase and manage home, car, pet, and life insurance policies directly from your phone. Get instant quotes, file claims with AI assistance, and enjoy a socially responsible insurance experience.

Instant policy quotesMobile claims filingAI-powered fraud detection
💰 Finance
(86K)
free with in-app purchases
9
Direct Auto Insurance
Direct Auto Insurance
Direct Auto Insurance
Your policy, wherever you go.
Free

Manage your auto insurance policy conveniently from your mobile device. Access policy documents, ID cards, make payments, and handle claims on the go. Request roadside assistance and review your coverage details anytime, anywhere.

Access ID cardsMake paymentsSign policy documents
💰 Finance
(36K)
free
10
The General Insurance App
The General Insurance App
The General Insurance App
See how much you can save!
Free

Manage your car insurance policy conveniently from your phone. Get quotes, make payments, access ID cards, and submit or track claims. The app offers multiple login options and a help center for support.

Obtain auto insurance quotesMake, schedule, or split paymentsAccess virtual and PDF ID cards
💰 Finance
(227K)
free
11
State Farm®
State Farm®
State Farm®
Insurance & Finance
Free

Manage insurance policies, pay bills, and access coverage details. File and track claims, request roadside assistance, and view financial product information. Features include secure login, personalized reminders, and Siri integration.

Manage insurance policiesPay bills with Apple PayFile and track claims
💰 Finance
(1.2M)
free
12
Car Insurance Quotes - Get Dan
Car Insurance Quotes - Get Dan
Car Insurance Quotes - Get Dan
Insure Your Auto Fast & Cheap
Free

Easily compare car insurance quotes from top providers using AI technology. Get personalized, real-time offers quickly and securely, with options to connect via phone or online. Save money and find the best coverage tailored to your needs.

Instant quote comparisonsAI-powered personalizationConnect via phone or online
💰 Finance
(161)
free
13
Avis - Car Rental
Avis - Car Rental
Avis - Car Rental
Airport and Local Car Rentals
Free

Book, modify, and upgrade rental cars globally with ease. Find locations, filter vehicles, and access exclusive offers. Manage all your rental information in one convenient app.

Book rental carsModify rentalsUpgrade vehicles
✈️ Travel
(448K)
free
14
Sorpi-Sorpi
Sorpi-Sorpi
Sorpi-Sorpi
by Trade Guarantee Ghana Limited
Free
📊 Productivity
(0)
15
Jackpot Insurance
Jackpot Insurance
Jackpot Insurance
Exclusively for safe drivers
Free

This app offers auto insurance that rewards safe driving. It tracks your driving habits over 14 days and offers a policy with up to 50% of your premium back if you maintain a high score. It provides detailed insights into your driving behavior and policy management.

Payback for safe driving14-day driving assessmentDetailed driving behavior tracking
💰 Finance
(3)
free
16
Insurance Panda
Insurance Panda
Insurance Panda
Compare car insurance
Free

Easily compare car insurance options by entering your ZIP code and answering a few questions to get an estimated rate range. Access an in-app guide to understand coverage types and set reminders to check rates before your next renewal.

Car insurance quote comparisonEstimated monthly rate rangesSaved quote profiles
💰 Finance
(3)
free
17
CompareNI Insurance Comparison
CompareNI Insurance Comparison
CompareNI Insurance Comparison
by Seopa Ltd
Free

Easily compare insurance premiums from various brokers to find the best coverage at the lowest price. Save time and money by avoiding individual broker contact and ensuring you don't overpay for necessary insurance.

Compare insurance premiumsSave time and moneyFind best coverage
💼 Business
(0)
ad-supported
18
KOBA
KOBA
KOBA
Smart car insurance
Free

Personalized car insurance based on your driving habits and vehicle usage. Offers comprehensive coverage for EVs and traditional vehicles, with options for pay-per-kilometer and car-sharing policies. Track trips, costs, and manage your policy easily.

Personalized insurance based on driving habitsComprehensive EV insurance (Tesla compatible)Pay-per-kilometer insurance option
💰 Finance
(0)
free
19
Responsive Auto
Responsive Auto
Responsive Auto
Responsive Auto Insurance
Free

Manage your insurance policies, pay premiums, and access important documents digitally. This app provides convenient access to policy details, claims reporting, and roadside assistance requests directly from your mobile device.

Manage insurance policiesPay premiumsAccess ID cards
💰 Finance
(1)
free
20
American Family Insurance App
American Family Insurance App
American Family Insurance App
Manage your Insurance Needs
Free

Manage your home, car, and umbrella insurance policies conveniently on the go. Access policy details, make payments, file claims, and get roadside assistance. Secure login options are available.

View insurance policies and account detailsAccess proof of insurance instantlySet up and manage payments, including auto-pay
💰 Finance
(91K)
free

FAQ about Cheap Car Insurance Rates

What are the best cheap car insurance rates apps for iPhone?
Root: Better car insurance tops our cheap car insurance rates apps ranking as of July 2026, with a 4.7-star average from 73K App Store ratings, and it's free to download.
Yes — 20 of the top cheap car insurance rates apps we rank are free to download, including Root: Better car insurance and OCHO Affordable Car Insurance.
Root: Better car insurance has no ads and has no in-app purchases, according to its App Store listing as of July 2026.
We track 249+ cheap car insurance rates apps on the iOS App Store as of July 2026, ranked by rating, recency, and analysis of real user reviews.
Root offers car insurance, renters insurance, and home insurance. Car insurance rates are determined by how you drive, while renters and home insurance can be customized to your needs and bundled with auto policies for potential savings.
Root's car insurance uses smart technology to analyze your driving habits. The safer you drive, the more you can save on your premium. Renters and home insurance rates are personalized based on your coverage needs and can be bundled with auto for further discounts.