Best Cheap Car Insurance Rates Apps

249+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated September 2026

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

Compare top Cheap Car Insurance Rates Apps (September 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Root: Better car insuranceRoot: Better car insuranceFree4.7โ˜… (73K)NoNoSep 2026
2Just: Affordable Car InsuranceJust: Affordable Car InsuranceFree4.4โ˜… (2.3K)NoNoSep 2026
3Jerry: Insurance & Car CareJerry: Insurance & Car CareFree4.7โ˜… (30K)NoNoSep 2026
4OCHO Affordable Car InsuranceOCHO Affordable Car InsuranceFree4.7โ˜… (1.4K)YesNoSep 2026
5The General Insurance AppThe General Insurance AppFree4.7โ˜… (227K)NoNoSep 2026
6GEICO Mobile - Car InsuranceGEICO Mobile - Car InsuranceFree4.8โ˜… (4.8M)NoNoSep 2026
7GoAuto InsuranceGoAuto InsuranceFree2.1โ˜… (166)NoNoSep 2026
8Insurify - Save on InsuranceInsurify - Save on InsuranceFree4.2โ˜… (99)YesNoSep 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
๐Ÿ’ฐ Finance
4.7๐Ÿ˜ž(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

  • ๐Ÿš€ Affordable rates
  • ๐Ÿ‘ Easy to use app
  • ๐Ÿš— Driving-based insurance
  • ๐Ÿ”’ Roadside assistance included
  • ๐Ÿ’ฐ Significant savings compared to other insurers

Room to Improve

  • ๐Ÿ” Unclear how driving score is calculated
  • ๐Ÿ“ž Poor customer service and long wait times
  • ๐Ÿ’ฐ Rates increase significantly after initial period
  • ๐Ÿšซ Difficulty changing payment plans
  • ๐Ÿšง Unreliable claims process
Just: Affordable Car Insurance#2

Just: Affordable Car Insurance by SF Insuretech Inc.

Instant coverage, low rates
Strong Contender
๐Ÿ’ฐ Finance
4.4๐Ÿ˜(2.3K ratings)
Free
Just: Affordable Car Insurance screenshot 1
Just: Affordable Car Insurance screenshot 2
Just: Affordable Car Insurance screenshot 3
Just: Affordable Car Insurance screenshot 4
Just: Affordable Car Insurance screenshot 5

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.

What We Love

  • ๐Ÿ‘ Affordable insurance
  • ๐Ÿš€ Fast and easy to use
  • ๐Ÿ’ก Pay-per-mile model
  • ๐Ÿ‘ Helpful and friendly customer service
  • ๐Ÿ‘ Straightforward and transparent
  • ๐Ÿ‘ Convenient app

Room to Improve

  • ๐Ÿ› Inaccurate mileage tracking
  • ๐Ÿ› Unexpected charges and fees
  • ๐Ÿ› Unreliable app performance
  • ๐Ÿ› Lack of coverage options
  • ๐Ÿ› Poor communication from the company
Jerry: Insurance & Car Care#3

Jerry: Insurance & Car Care by Jerry Inc

Let us handle the legwork
Worth Considering
๐Ÿ’ฐ Finance
4.7๐Ÿ˜Š(30K ratings)
Free
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

  • ๐Ÿš€ Saves money on insurance
  • ๐Ÿ‘ Easy to use app
  • ๐Ÿค Great customer service
  • ๐Ÿ’ฐ Significant savings compared to previous insurance
  • ๐Ÿ”’ Reliable insurance coverage
  • โฑ๏ธ Quick and efficient process

Room to Improve

  • ๐Ÿ› Quoted price changes after finalizing
  • ๐Ÿค” Skepticism about the 'too good to be true' offers
  • ๐Ÿšซ Difficulty canceling previous policy

More Cheap Car Insurance Rates apps to explore

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 September 2026, with a 4.7-star average from 73K App Store ratings, and it's free to download.
Yes โ€” 20 of the top cheap car insurance rates apps we rank are free to download, including Root: Better car insurance and Just: Affordable Car Insurance.
Root: Better car insurance has no ads and has no in-app purchases, according to its App Store listing as of September 2026.
We track 249+ cheap car insurance rates apps on the iOS App Store as of September 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.