HiRoad® Car Insurance

HiRoad Assurance Company

About this app

At HiRoad, we believe your good driving should be rewarded. So, we reinvented car insurance to help mindful drivers save up to 50% off each month for making mindful decisions on the road.

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Get to Know HiRoad

What is HiRoad?

HiRoad is an telematics app based insurance that rewards you each month for your good driving.

What is “Telematics”?

“Telematics” means using the sensors in your Android phone to understand your driving behaviors when you’re on the road. The data from the app is used to calculate your driving scores. These scores tell you what you do well and where you can improve.

What sensors does the HiRoad app use?

We use your phone’s accelerometer, gyroscope and GPS support to monitor your driving patterns.

What Android devices are compatible?

We are compatible with most Android devices available on the market. We are not compatible with:
- Samsung Galaxy Note II
- HTC One M8
- Huawei Ascend
- BLU Life One XL
- Droid Maxx 2

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Driving with the HiRoad App

How does the app work?

Our auto insurance app uses the smart technology in your Android phone to recognize your driving behavior in real time. That data is used to calculate your four HiRoad driving scores.

How do the driving scores affect my bill?

Unlike traditional car insurance apps, we use your driving scores to give you affordable car insurance. Each month, you have the opportunity to improve your driving scores and earn more rewards.

What are the HiRoad driving scores?

We calculate the following scores:

- Distraction-Free–distracted driving is a leading cause of automobile accidents in the US. Our app monitors how well you keep your eyes off your phone and on the road.
- Driving Patterns–when and how long you drive tells us a lot about your driving. So, if you opt to take the bus to avoid a high-traffic commute, your Driving Patterns score will reflect it.
- Safe Speeds–our telematics app measures how fast you drive. By not zipping through traffic and sticking to the speed limit, you’ll earn rewards for making the roads safer.
- Smooth Driving–our app knows when you’re taking tight turns and shifting speeds too fast. Customers who go easy on the brakes and accelerate evenly earn a higher Smooth Driving score.

If you score high on all of the above scores, you have a chance to save up to 50% each month.

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How to Save with the HiRoad App

How do I get my driving data?

At the end of each month, you’ll get the “HiRoader Recap”, showing you all the things you did well that month, including where our telematics showed improvements and how much you saved.

What happens if I have a bad trip? A bad day? A bad month?

That’s okay! Each month presents a new opportunity to earn rewards.

With the HiRoad app, you’ll get helpful tips to improve your telematics score and to earn rewards next time. So whether you’re already a good driver or need reasons to be one, you’ll get a new chance to save every month.

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Other Cool Features

Can I pay my bill on the app?

Yes, we offer Android Pay. We also accept major credit or debit cards including Visa, MasterCard, Discover and American Express.

Can I view my policy documents?

Yes. We provide you with access to your ID cards, policy information and other important documents.

Can I file a claim?

Yes. If you’re in an accident, you can upload pictures and file a claim on the HiRoad app. Our Claims team is available 24/7 to resolve your claim as soon as possible.

Can I change my policy?

Yes. You can apply to add a driver, add a car or update your policy in the HiRoad app. A Customer Care specialist will work with you to complete the policy update.

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So, why does HiRoad reward good driving?

We believe when you earn rewards, everyone earns the reward of safer roads. Our goal is to build a better future together–a future where doing right pays off for all of us.

Ratings and reviews

Tried to start a "Test Drive". Can't login to the app at all. Totally useless. I think I'm up to 5 different emails. Still useless. Used Chrome Browser - Still useless. Password reset - useless. Is it even worth the possibility of saving $20/month for all this hassle - I doubt it. It's probably easier to get another job than it is to get this stupid app to work. So, yeah - fix this thing, or don't, I really don't care anymore. Should be zero stars, or into the negatives.

The app was great for the first month, but then started to slow down and wouldn't let you erase drives you didn't take, which negatively impacts your score, causing higher rates. Also, over time, it seems like the app is becoming more strict on grading your driving, as my scores started plummeting even though my driving stayed the same. UPDATE: app has gotten much better, but scores still randomly plummet and don't recover when driving remains the same.

I got this app because I needed to save some money, but it ended up being a really cool experience so far. It needs some slight tweaks here and there, but the developers seem to really be invested in improving their product in all aspects and including user feedback to help with that. Great customer service, had a billing discrepancy and it was resolved within two hours with great communication throughout. Definitely going to stick with these guys as long as I can

What's new

Some general app improvements are here. Ready for you now, so please update and keep taking the high road.