HiRoad® Car Insurance

At HiRoad, we believe safer driving should be recognized. That’s why we reinvented car insurance to help drivers build safer habits and work toward a Safe Driving Discount with a telematics insurance app.

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Get to know HiRoad

What is HiRoad?
HiRoad is an auto insurance company with a telematics-based app that helps you sharpen your driving skills and work toward a Safe Driving Discount.

What is telematics?
Telematics means using the sensors in your Android phone to understand your driving when you’re on the road. The data from the app is used to calculate your Driving Scores. These scores show what you’re doing well and where you can improve in our telematics app, which can lead to more affordable car insurance.

What sensors does the HiRoad app use?
We use your phone’s accelerometer, gyroscope and GPS to score your driving patterns with our telematics insurance app.

What Android devices are compatible?
We’re compatible with most Android devices on the market.

Our telematics app will work with a phone you have running Android 8 or higher and it must support the following:

Accelerometer
Gyroscope
GPS support
Support for sensors to run in the background or when the screen is not on.

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Driving with the HiRoad app

How does the app work?
Our auto insurance app uses the technology in your Android phone to score your driving behavior. That data is used to calculate your four HiRoad Driving Scores with our telematics app.

How do the Driving Scores affect my bill?
Unlike traditional car insurance, HiRoad uses your Driving Scores to help determine your Safe Driving Discount. As you build safer habits, you can improve your scores and work toward greater savings.

What are the HiRoad Driving Scores?

Distraction Free
Distracted driving is a leading cause of accidents. Our app scores how well you stay off your phone and focused on the road.

Driving Patterns
When and how long you drive can affect your score. Choices like skipping a high-traffic commute may be reflected here.

Safe Speeds
Our app looks at your speed and how your car moves at higher speeds. Driving at safe speeds can help support a stronger score.

Smooth Driving
Our app looks at braking, cornering and acceleration. Going easy on the brakes and keeping things smooth can help improve this score.

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Inside the HiRoad app

How do I see my driving data?
You’ll get a HiRoader Recap, which shows your Driving Scores, your progress and how your habits are trending over time.

The HiRoad app gives you tips and challenges to help improve your Driving Scores and keep building safer habits.

Tips show up right on the home screen, and the Challenges tab gives you even more ways to stay engaged.

How does the app know when I’m driving?
The app uses your phone to automatically detect when a trip starts. You may just need to review trips occasionally to make sure your Driving Scores reflect your driving.
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Can I pay my bill in the app?
Yes. We offer Google Pay. We also accept major credit and debit cards, including Visa, Mastercard, Discover and American Express.

Can I view my policy documents?
Yes. You can access your ID cards, policy information and other important documents in the app.

Can I file a claim?
Yes. If you’re in an accident, you can upload photos and file a claim in the HiRoad app. Our Claims team is available 24/7 to help.

Can I make changes to my policy?
Yes. You can start the process in the HiRoad app by submitting a request for changes like adding a driver, adding a car or making other policy updates. A Customer Care Specialist will then work with you by email to complete the change.