HiRoad

The Car Insurance Guide

Overall Personalized Rating: 4.4/5 (Very Good)

Summary

HiRoad offers auto insurance with pricing based on driver behavior. They track driving through a smartphone app, and offer monthly discounts to customers who drive safely. With this simple and yet innovative business model, they're able to provide competitive rates in the markets they sell in.

Key Benefits

Driving behavior-based discounts offered each month
Low rates that get lower the better you drive
Personalized customer care and driving tips available

Ratings Summary

Ratings Highlights

Overall Rating

Despite being a newer carrier, HiRoad has quickly proven itself to be a reputable, well-sought after insurer in the states that it is available. While we hope that they can expand their geographical scope soon, in the states that they are available, we like what we're seeing so far.

Pricing

As a result of their focus on driver behavior, HiRoad offers some of the lowest rates in the industry -- particularly for safe drivers.

Handling Claims

Customer reviews are overall positive when it comes to HiRoad's claims department -- though some customers wished the service were a bit more prompt, most liked how easy it was to report an accident.

Uninsured Drivers

Uninsured drivers may avoid the higher rates they'd typically face by opting to go with HiRoad -- just make sure to drive safely so you can maximize your savings.

Young Drivers

Young drivers can get lower rates by choosing HiRoad, and can pay even less depending on how their driving style stacks up.

Bundling Auto with Other Insurance Types

HiRoad does not currently offer bundling.

Drivers with Tickets/Accidents

Bad drivers committed to improving their driving habits can benefit from the safe driver discounts offered by HiRoad.

Premium Driver

Drivers with a clean record will likely see the lowest rates with HiRoad, and can look forward to monthly discounts so long as their driving habits are good. If rates are a major focus when it comes to insurance, definitely look into HiRoad.

Company Background

A new face in the industry, HiRoad is an insurance provider that aims to focus on driver behavior. They utilize new technology to make this innovative take on car insurance possible.

The Car Insurance Guide's Reviews Methodology

The Car Insurance Guide uses a proprietary algorithm to evaluate the car insurance options presented. Factors reviewed and rated include pricing, handling of claims, age of driver, bundling, and driver type. These factors are evaluated and scored to provide an overall score for the carrier as well as being individually assessed to provide a detailed review of the fit of the carrier to the driver. The data comes from research The Car Insurance Guide conducts as an invite-only annual survey and from interviews with car insurance agents. Insights from experts, those whose job it is to understand and recommend the best insurance companies for their clients, is invaluable. Use of The Car Insurance Guide's 2025 reviews by third parties without the express written consent of The Car Insurance Guide is strictly prohibited.