HiRoad® Car Insurance

Drive safely and save on auto insurance with HiRoad. Our app-powered insurance is built for people who want to sharpen their driving skills, stay on top of their policy and earn a Safe Driving Discount.

HiRoad offers more than just coverage. Unlike traditional insurance providers, HiRoad gives you tools to understand your driving habits and make meaningful changes on the road. You’ll get feedback, tips and challenges that can help you keep building safer habits over time.

So, if you’re the kind of person who puts the shopping cart back, holds the elevator door and takes the high road whenever you can, you’ll probably feel right at home with HiRoad.

What’s in the HiRoad app?

We use the smart technology in your phone to score your driving behavior. We look at things like:

Driving Scores

Distraction Free
Keeping your eyes on the road and away
from your phone

Driving Patterns
When and how long you drive

Safe Speeds
How well you stick to the speed limit

Smooth Driving
Braking, turning and accelerating with care

The higher your Driving Scores, the more you can work toward earning a Safe Driving Discount.

The HiRoader Recap

You’ll get a summary that shows your Driving Scores, your progress and how your driving habits are trending. It’s one of the ways HiRoad helps you see how your choices behind the wheel can add up over time.

Tip Cards

The HiRoad app gives you helpful tips to improve your Driving Scores and keep building safer habits. Nobody drives perfectly all the time. What matters is having useful feedback and a fresh chance to keep improving.

Other helpful tools

Bill Pay
Pay your bill using Apple Pay or a major credit or debit card

Policy information
View ID cards, coverages and documents

Claims
Describe what happened, upload photos and submit a claim to HiRoad’s 24/7 claims team

Billing history
Review your payment history

Policy changes
Request updates like adding drivers or cars in the HiRoad app

Chat with Customer Care
Get help from a team that’s here to make things easier

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Get to know HiRoad

What is HiRoad?
HiRoad is an insurance company that uses the smart technology in your phone to score your driving and help you work toward a Safe Driving Discount.

Where can I get HiRoad insurance?
Currently, we offer insurance in Rhode Island and Arizona.

What kind of insurance does HiRoad offer? We offer a range of Auto coverage options to fit your lifestyle. We also offer Renters insurance. When you purchase Auto and Renters insurance together, you may qualify for a multi-policy discount.

What does the app do?
Think of the HiRoad app as a fitness tracker for your driving. It rewards safe habits, like staying off your phone and braking smoothly, with discounts and rewards. You can also manage your policy, pay your bill, and file claims all in one place.

How does the app know I’m driving?
The app uses the technology in your phone to sense when a trip begins. Once your permissions are set, the app does the heavy lifting for you. You’ll just need to occasionally review your trips, ensuring your Driving Scores reflect your personal driving habits.

Do I need to use the HiRoad app?
Yes. To earn the Safe Driving Discount, you need to keep the app active and log trips. Without it, you are not eligible for the discount or rewards.

Why does HiRoad focus on safe driving?
We believe safer driving can have a positive effect beyond your own policy. Our goal is to help people build better habits behind the wheel and support safer roads for everyone.