Drive safely and save on auto insurance with HiRoad. Our app-powered insurance is built for people who want to sharpen their driving skills, stay on top of their policy and earn a Safe Driving Discount.
HiRoad offers more than just coverage. Unlike traditional insurance providers, HiRoad gives you tools to understand your driving habits and make meaningful changes on the road. You’ll get feedback, tips and challenges that can help you keep building safer habits over time.
So, if you’re the kind of person who puts the shopping cart back, holds the elevator door and takes the high road whenever you can, you’ll probably feel right at home with HiRoad.
What’s in the HiRoad app?
We use the smart technology in your phone to score your driving behavior. We look at things like:
Driving Scores
Distraction Free
Keeping your eyes on the road and away
from your phone
Driving Patterns
When and how long you drive
Safe Speeds
How well you stick to the speed limit
Smooth Driving
Braking, turning and accelerating with care
The higher your Driving Scores, the more you can work toward earning a Safe Driving Discount.
The HiRoader Recap
You’ll get a summary that shows your Driving Scores, your progress and how your driving habits are trending. It’s one of the ways HiRoad helps you see how your choices behind the wheel can add up over time.
Tip Cards
The HiRoad app gives you helpful tips to improve your Driving Scores and keep building safer habits. Nobody drives perfectly all the time. What matters is having useful feedback and a fresh chance to keep improving.
Other helpful tools
Bill Pay
Pay your bill using Apple Pay or a major credit or debit card
Policy information
View ID cards, coverages and documents
Claims
Describe what happened, upload photos and submit a claim to HiRoad’s 24/7 claims team
Billing history
Review your payment history
Policy changes
Request updates like adding drivers or cars in the HiRoad app
Chat with Customer Care
Get help from a team that’s here to make things easier
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Get to know HiRoad
What is HiRoad?
HiRoad is an insurance company that uses the smart technology in your phone to score your driving and help you work toward a Safe Driving Discount.
Where can I get HiRoad insurance?
Currently, we offer insurance in Rhode Island and Arizona.
What kind of insurance does HiRoad offer? We offer a range of Auto coverage options to fit your lifestyle. We also offer Renters insurance. When you purchase Auto and Renters insurance together, you may qualify for a multi-policy discount.
What does the app do?
Think of the HiRoad app as a fitness tracker for your driving. It rewards safe habits, like staying off your phone and braking smoothly, with discounts and rewards. You can also manage your policy, pay your bill, and file claims all in one place.
How does the app know I’m driving?
The app uses the technology in your phone to sense when a trip begins. Once your permissions are set, the app does the heavy lifting for you. You’ll just need to occasionally review your trips, ensuring your Driving Scores reflect your personal driving habits.
Do I need to use the HiRoad app?
Yes. To earn the Safe Driving Discount, you need to keep the app active and log trips. Without it, you are not eligible for the discount or rewards.
Why does HiRoad focus on safe driving?
We believe safer driving can have a positive effect beyond your own policy. Our goal is to help people build better habits behind the wheel and support safer roads for everyone.
Just recently switched to this insurance and already loving the way it works. Good driving=lower payments! The app is pretty straightforward but I feel it definitely can use some performance upgrades. One thing that you guys might want to think of is adding a GPS feature which would make it easier for you to track trips and make it easier for users as well. For instance: user opens app> uses GPS to drive to location> app automatically tracks trip and saves data which would ultimately remove the step of having to confirm a trip. But maybe perhaps still keep the trip confirm feature in case people don’t use the GPS. Just some thoughts. Thank you for this awesome opportunity for affordable insurance!
Developer Response
Thank you for being a customer and for your feedback! We're glad you're saving with HiRoad and appreciate your thoughtful input on trip recording in the app. I've passed it along to our product team. -Kayla & Team HiRoad
Accuracy
Brian012)
The accuracy of the app is crucial to getting discounts and although when I first starting using the app it worked correctly. Now it changes streaks and takes down my score for apparently no other reason except to give me a smaller discount. I have not used my phone while driving and not even when I’m in the car with other bc even if you say you weren’t driving it still penalizes you. My current stres says 9. Which is not true. Be on the look out for a new insurance company as soon as you get HiRoad and only use this company in a pinch. My vehicle was in the shop for a couple weeks. I called and informed them I would t be driving and I noted the app. My monthly bill still went up 30 dollars. Hiroad is a scam that targets ppl that are having a hard time securing another policy. My bill the first 2 months was $180. I drive the same car and use the same driving habits except I drive a little less and I have the same address I had when I set this plan up and now by bills the lat 2 months are above $210. Scam. Actively working with a broker to get out of the situation I got myself into when I signed up for car insurance through Hiroad
Developer Response
Hi there, Brian - we hear your frustration and want to help provide some clarity. The streaks feature is designed to encourage mindful habits and is separate from your driving scores or discount. While it may be frustrating to lose a streak, each trip is an opportunity to increase it, and it doesn't impact your monthly bill. Regarding your max rate and monthly bill, if your car was in the shop and no trips were logged, we can't reward what we can't see. Without trip data, your bill defaults toward your agreed-upon term max rate (which you will never exceed). Our app automatically logs a trip when it senses vehicle motion, so if it did log a trip and you weren't behind the wheel, you can always classify those trips within your current billing cycle. Marking a trip as "Not Driving" simply filters it out so we only score your actual driving; it is not a penalty. Since there are a few specific factors at play with your account, we would appreciate the opportunity to review your trips directly and answer any other questions you may have. Please give us a call at 888-912-9306.
Needs better refinement
hufflepuffleju
The overall concept of this Insurance is nice. You drive safe, you save. It’s also handy cause it was one of the lowest rating insurances to find for older vehicles. Downfall is it’s constantly tracking your “movement/phone activity” regardless if you are driving or not. Gives you the option to put “not driving” but still jeopardizes your score/discount regardless. Why have an option like this if it doesn’t matter? It’s also not fair because the rate continues going up every month even though your “discount” is applied and you are safely driving. God forbid if you even just OPEN your phone screen (even if someone else is driving); it dings you. Totally not fair and hard for people who do use their phone/driving as their job. Like I said though, concept is great it just really is out to max you out for the top dollar amount of the insurance of $222 :/ with no real justification. Also very hard to get ahold of support and they aren’t very helpful. Don’t recommend this insurance at all
Developer Response
Hi there - thanks for this review and feedback. Our app records a trip when it senses a vehicle in motion and while it's pretty smart, you may need to occasionally go in and classify trips that have recorded. Trips that you're not behind the wheel for - or Not Driving - won't reflect in your scores or discounts once correctly classified. Hope that helps ease your concern! Though we've just had some holiday hours, our Customer Care team is happy to chat through any questions or concerns you have at support@hiroad.com or 1-888-912-9306 during business hours.
Very rewarding!
Cyster Girl
I originally signed with HighRoad after receiving a quote that had a max price lower than any other quote I got. My first bill was less than half of what I was paying before! I just renewed my policy for the first time and yes the rate went up about $20 (for the max price) but with all of the discounts my newest bill is only a few dollars more than I’ve been paying. I have filed a glass claim which replaced my windshield and recalibrated my sensors. I also went on a long summer road trip which dropped my “driving patterns” score, but still this insurance is far better than anything I’ve found. I was even able to get my glass replaced while out of state. Couldn’t be happier with the company and the price!
Developer Response
Hi, there - we're happy that you're happy! Love hearing about your experiences with us and so glad we're a great fit for your needs. We can't wait to share this review with our teams. Feel free to reach out in the future if you have any questions at support@hiroad.com. Thanks again!
The HiRoad app just got serviced. We made improvements to help HiRoad run better, feel more reliable, and keep safer driving easier to manage. Update today!
Version 3.16.0
The developer, HiRoad, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
Health & Fitness
Location
Contact Info
User Content
Identifiers
Usage Data
Diagnostics
Other Data
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Seller
HiRoad Assurance Company Corp
Size
236.1 MB
Category
Finance
Compatibility
Requires iOS 16.0 or later.
iPhone Requires iOS 16.0 or later.
Location
This app may use your location even when it isn’t open, which can decrease device battery life.
