Pact | Car Insurance 4+

Simplifying car insurance

Pact Insurance Services LLC

Designed for iPhone

    • 4.7 • 717 Ratings
    • Free

iPhone Screenshots


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Now featuring Pact Pause!

We believe car insurance should help you navigate whatever life throws your way. At Pact, we’re introducing coverage that is tailored for your life. Not driving for a few days? Pause your insurance with Pact Pause, and the savings get passed back to you. Save time, money, and energy with instant and affordable car insurance.

Pact is the first fully-digital, instant car insurance provider. This means you can get a fully policy on your phone in less than 90 seconds. And because we leverage technology to provide you best-in-class insurance and support, we can pass those savings back to you. Our users have saved up to $150 per month.

Once you're signed up, use the app to get everything you need:
- Digital insurance cards and contracts
- Instant policy changes
- 24/7 claims reporting
- Claims payments as fast as next day
- On-demand roadside assistance
- Ubers and Lyfts when in a covered accident

Pact’s digital coverages and on-demand services let you do more. And we’re here to help whenever you need. Chat in-app, text, or call us.

Disclaimer: We reserve the right to refuse to quote any individual a premium rate for the insurance advertised herein.
Savings disclaimer: Based on national average annual car insurance savings by new customers at competitive companies.

What’s New

Version 2.3.1

Updates and bug fixes!

Ratings and Reviews

4.7 out of 5
717 Ratings

717 Ratings

BeauAdderley ,

No sir. No ma’am. *****UPDATE****

Matt from Pact called and discussed my situation with me. He sincerely apologized for the confusion and expressed his regret that my situation had been handled so poorly and assured me that everything would be resolved shortly.

True to his word, just over an hour later, he has reinstated my policy, moved my payment date back 30 days, and also tacked on a gift card for extra measure.

I’m thankful that Pact is a standup company, willing to accept responsibility and turn a negative into a positive.

I have inexpensive car insurance again! Thanks Matt!!!!🎉😃

I understand that you get what you pay for and when I initially signed up with Pact, I didn’t think cut rate insurance would be a problem. Then COVID19 happened and this company IS NOT implementing any programs or forms of assistance for those who are no longer employed. I was told I could pause my coverage (and still pay, but just less) or I could not pay and they would “help” me reestablish coverage once mine lapsed. That little $20 I saved by not going with a big name insurance company who are currently waiving premiums is proving to be a bigger mis take than nickel and diming myself was. (All I had to do was drink a few less energy drinks every month and I would have insurance). Valuable lesson, and once I’m employed again, I’m going with a company that runs TV commercials.

Alec R. R. ,

Quickest Insurance Purchase

Signing up for insurance has never been this easy. I didn’t time myself but I would say the signup process was less than 4 minutes. Pact really took the pain point of shopping for insurance and solved it.

I had the pleasure of working with Matt and he was able to answer some basic questions. I don’t know if that is standard for them to text you but I thought that was a fantastic personal touch.

I’ve obviously not had to file a claim or use roadside assistance and I hope I never have to so I can’t comment on that aspect. If I ever have to I will update my review.

Developer Response ,

Thanks for the review, Alec. Great working with you and appreciate you joining us! We're here to help, so let us know how we can make your experience better at

knee-coal ,

Customer service is awesome - claims are terrible!

We have had Pact for over a year and filed our first claim in July 2020.... I had no issue with our insurance until the claim.

I was involved in a rear end and my car was totaled. It has been almost 4 months since the accident and it has been back and forth, with voicemails and no call backs. I have made a payment on a car I have not seen since July... it is frustrating continuously being tossed around with different answers daily.

I am giving three stars as the customer service folks are so polite and our rate is awesome! The claims are forward to another company (ACM) and they have been dragging their feet completing our claim. I should’ve just waited for the person at fault insurance to take over, I’m sure I wouldn’t be out almost $1200 making payments on a vehicle I no longer own.

App Privacy

The developer, Pact Insurance Services LLC, 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:

  • Location
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data
  • Diagnostics

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Contacts

Privacy practices may vary, for example, based on the features you use or your age. Learn More


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