HiRoad Auto Insurance

We've got good driving covered

Choose the coverage you need, then use the HiRoad app to earn a Safe Driving Discount–up to 50%* off.

What types of auto insurance coverage does HiRoad offer?

We offer coverage for damage you cause to others, damage to your own car, medical costs after an accident, and roadside help.

Some coverage is required by law. Some is up to you. Everyone’s needs are a little different.

Whatever coverage you choose, the HiRoad app can help you earn a Safe Driving Discount.

Property Damage Liability

Can pay for damage done to someone else’s property.

Bodily Injury Liability

Could pay for injuries to others if you’re legally liable for an accident.

Medical Payments

For reasonable medical expenses resulting from a covered auto accident, regardless of fault.

Underinsured or Uninsured Motorist Bodily Injury

May cover medical expenses and potential lost wages if you or a passenger is injured by a driver without enough or any liability insurance.

Underinsured or Uninsured Motorist Property Damage

Can pay for damage to your car caused by a driver without enough or any liability insurance.

Comprehensive

Applies when your car is damaged by something other than a collision, such as fire, theft, vandalism, or glass breakage.

Collision

Can pay to repair or replace your vehicle if it’s damaged in a collision with another vehicle or object.

Emergency Roadside Assistance

Could help with towing and other roadside needs. Sometimes, your car can be repaired on the spot.

Car Rental and Travel Expenses

For rental car fees or reasonable transportation expenses while covered repairs are being made.

Auto coverage requirements vary by state. Availability varies by state of residence.

Bundle Auto + Renters

Cover your car and your couch

Bundling Auto and Renters can make coverage easier and help you save more. Protect your car and the things that make your place feel like home.

Get a bundle quote

Meet the app that rewards good driving

Get started

Download it

Set up the HiRoad app to accurately log trips, manage your policy and see helpful driving tips.

Drive safely

Stay focused every time you hit the road to improve your driving and get recognized for it.

Earn rewards

Build better habits behind the wheel to unlock rewards and a Safe Driving Discount.

Coverage Explained

Let's get your quote started

You can explore coverages and get a real quote in about five minutes. That’s about how long it takes the average person to read this far down.

Get a quote

Real Customer Review

Exceeded my expectations!

From the beginning, I have experienced nothing but positivity from the app, customer service team, and roadside assistance services! I have shopped various other insurance companies over the past 3 years, and I have remained with HiRoad because they are unbeatable when it comes to their pricing structure and their exceptional service. You won’t be disappointed! 🙌👍🤗🏁🚘

-App Store Reviewer, June 2026

Real Customer Review

HiRoad has been a great experience!

HiRoad has been a great experience! I loved that you control your monthly payment by improving your driving scores collected on the app. It has made me more aware of my driving and has made me a better driver! Definitely recommend it to anyone wanting to try it out.

-Amanda C., May 2026

Real Customer Review

I love HiRoad insurance.

I love HiRoad insurance. The first app that I've found that lets you tell them when you were driving or when someone else was driving. Plus, they give you discounts on different things you do while driving, like using your phone while driving, how you brake and accelerate, how fast you drive, and more. It's totally the cheapest insurance I've ever had. Check it out. You won't be disappointed.

-Google Play Reviewer, May 2026

Real Customer Review

BEST Insurance Company

I absolutely LOVE HiRoad Insurance. I have yet to find an insurance company that’s as inexpensive as HiRoad! Great customer service as well. I’ve had to call about three times for locking my keys in my car, and they are so quick to get someone to come to you (roadside assistance) and they are always friendly too. ALL AROUND THE BEST INSURANCE COMPANY I’VE EVER HAD! Thank you so much for being AWESOME!

-App Store Reviewer, May 2026

Real Customer Review

I really like HiRoad.

I really like HiRoad. I know I'm being monitored, so I leave earlier for appointments and for work so I'm not speeding or in a hurry. Overall it's effortless to drive the right way and save money while doing so. Thank you, HiRoad.

-Google Play Reviewer, May 2026

Real Customer Review

This is the best insurance

This is the best insurance. If you’re tired of paying outrageous monthly fees, then change over to the winning team. There’s no time for losing in life. Thank you, HiRoad, for always supporting my every need.

-App Store Reviewer, May 2026

Real Customer Review

I love HiRoad because they truly do have lower rates.

I love HiRoad because they truly do have lower rates, and the better you drive the lower your rate gets. You earn rewards on the app towards your policy rate, which I find really cool because I've already racked up $20 in savings. The savings are coming off of my next bill.

-Google Play Reviewer, March 2026

Real Customer Review

Having this app really helps me to stay off my phone while driving.

Having this app really helps me to stay off my phone while driving, stay alert and remain focused on the road. I love the challenges and the discounts I get from completing challenges, too.

-App Store Reviewer, March 2026

Real Customer Review

So far, I'm loving it.

I’m a first-time user of this kind of car insurance. So far I’m loving it. Major discount for good drivers. Makes a person drive better knowing you’re saving money.

-Lala D., February 2026

Real Customer Review