Novo

The Car Insurance Guide

Overall Personalized Rating: 4.3/5 (Very Good)

Summary

Novo is a new insurance option that provides modernized and personalized policies to safe drivers. With low rates and great customer service, they're definitely a carrier to check out.

Key Benefits

Low rates based on your unique driving behavior
Offers personalized safety recommendations for accident prevention
Fully online experience means lower costs and increased convenience for all

Ratings Summary

Ratings Highlights

Overall Rating

This carrier aims to offer a fresh insurance experience that is entirely online. Rates are based on driver behavior, and accident prevention is a key component to their service -- customers receive personalized safety information and suggestions via their app for this purpose. Drivers looking for an innovative, youthful look at car insurance should check this carrier out.

Pricing

Novo bases pricing on driver behavior, rather than only on traditional factors such as age or location. This offers safe drivers a strong advantage, as they may find their rates are lower with this system.

Handling Claims

Novo aims to make the claims experience as easy a possible. Claims reporting can be done online or by phone, and customers can expect a quick response.

Uninsured Drivers

This is a so-so option for uninsured drivers -- while you may pay slightly higher rates at first due to your insurance history, your driving behavior could earn you lower rates over time.

Young Drivers

Your age won't affect your rates, so long as your driving history and current driving behavior are both good.

Bundling Auto with Other Insurance Types

Bundling is not currently an option.

Drivers with Tickets/Accidents

As Novo tries to base pricing on driving behavior, they are not a great option for those with a bad driving record.

Premium Driver

If your driving record is consistently good and your current driving behavior matches that, you are likely to get great rates with Novo.

Company Background

Novo's parent company, Telenav, was founded in 1999 and introduced the first mobile phone navigation and location services to the world with Nextel in 2002. Twenty years later, they're now bringing their drive for innovation to the insurance industry. They offer a fully digital car insurance experience that focuses on customer convenience. Their policies are underwritten by 21st Century.

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.