Novo Insurance

Novo Insurance, LLC

About this app

Tired of overpriced car insurance that doesn’t reflect how safely you drive? Novo fixes that. Novo puts you in control — just your phone, your driving, and fair pricing that updates monthly. Whether you're here for a quote or managing a policy, Novo makes it easy, transparent, and built around how you actually drive.

Want to start now?

Get a free quote and lock in a fair rate — including 20% off right away!

Want to test the waters first?

Try our drive first option: download the Novo app and hit the road. Once your Safety Score is ready, we’ll show you a personalized rate based on how you drive. Driving safer can lead to savings of up to 40%.

What You Can Do in the App

Drive first:

View Trip History: Review your past drives and pinpoint what needs improvement.
Track Your Driving: Your speed, braking, and acceleration shapes your score — and your rate. See what’s helping or hurting it.
Unlock Your Quote: Safe drivers save up to 40% vs traditional insurance.

Once you’re insured:

Access Digital ID Cards: Keep proof of insurance handy in the app or add to Apple Wallet.
Use the Accident Checklist: Step-by-step help if you're in a collision.
Manage Billing: View bills, make payments, or update your payment method.
Monitor Your Safety Score: Your rate is updated monthly, so one bad week won’t lock you into a high rate.

💬 Frequent Asked Questions

🧠 How does Novo know how I drive?

Novo's mobile app collects your driving behavior by measuring factors like speed, acceleration, braking during trips. This data is used to calculate a monthly Safety Score, which directly affects your insurance rate — driving safer can lower it, while bad habits can push it higher.

💸 How much can I really save — and how soon?

Drivers who stick with Novo and drive safely can save up to 40%. You’ll get 20% off right away, then your monthly price adjusts based on how you drove in the 1st month will determine how much your monthly price will adjust in the 3rd month.

📱 Do I need to install anything in my car?

No hardware needed. Just download the Novo app. It uses Bluetooth to connect with your car, helping accurately to detect when you're the driver—not just a passenger. No plug-in devices, no guesswork.​

📉 What happens if my driving gets worse for a bit? Will my rate spike?

Novo's monthly assessment means that temporary changes in your driving behavior won't have long-term impacts. If your Safety Score dips, your rate may adjust accordingly for the next month, but improvements in your driving can lead to lower rates in subsequent months. ​

🛡️ What kind of coverage does Novo offer?

Novo provides standard auto insurance coverages, including:​

Liability Coverage: Covers bodily injury and property damage to others if you're at fault in an accident.
Collision Coverage: Pays for damages to your vehicle from collisions, regardless of fault.
Comprehensive Coverage: Protects against non-collision-related incidents like theft, vandalism, or natural disasters.

Ratings and reviews

Oct 2025: Overall price is reasonable and affordable for the coverage. However, I minus one star b/c sometimes the app detection doesn't seem to be completely accurate during my driving. It sometimes detects speeding or hard braking when I wasn't speeding/braking hard. Update 1/1/26: Minus another star, app stopped updating the safety score and price after a few drives, even if you're driving well...Update 2/3/26: added one star, app seems to be updated and improved.

Most fair price and easy going tracking app I've ever had. Almost at renewal time so I will see what happens but love the app

I went from paying $190 monthly with progressive to $58.

What’s new

Stability and performance improvement.