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HiRoad Car Insurance Review | Ratings, Customer Experience, & Pricing

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HiRoad is a new kind of auto insurance agency that focuses on providing customer discounts for safe driving.

The company's smartphone app monitors driving habits, which in turn affect the monthly premium.

Although HiRoad is relatively new, they are part of the larger State Farm stable of companies.
 
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How Do We Rate HiRoad?

Breakdown

4.5/5
Coverage
4.0/5
Financial Strength
0.0/5
Supplemental Coverage
4.5/5
Pricing & Discounts
3.5/5
Claims Satisfaction & Customer Experience
4.5/5
Automation

Our Overall Rating: 4.1 / 5 (Excellent)

HiRoad not only is a great, new option for auto insurance, but the company also represents a fundamental shift coming in the entire industry.

Although the idea of using a device to track a driver's habits in order to affect the monthly premium is not new, these types of arrangements previously required proprietary technology to be custom installed in the vehicle.

HiRoad integrated driver monitoring technology into an app for iOS and Android, making it more accessible and easier to use than ever before.

This new kind of mobile-centric auto insurance can save people money and actually encourage safer driving as a result.

Customers need only get a quote, purchase a policy, download app, and go.

The only downside is HiRoad is currently only available in Rhode Island, although the company plans to expand in the immediate future.

HiRoad Coverage

Basic Coverage

  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Personal Injury
  • Medical Payments
  • Uninsured/Underinsured Motorist

Coverage - 4.5 / 5

HiRoad policies offer the standard list of coverage options for auto insurance.

The company primarily features property damage liability, bodily injury, uninsured motorist, and medical payments coverage.

What's missing is some of the riders and discount options that you can receive with bigger, more well-established companies, like bundling auto and home insurance together.

However, given HiRoad's technology, a safe driver can easily make up for these kinds of things with monthly savings.

Customer Experience

National Association of Insurance Commissioners

NAIC Complaint Ratio
0.0
NAIC Total Complaints 2020
0
*The NAIC Car Insurance complaint ratio (in this case 0.0) compares a company’s performance to other companies in the market. The median complaint ratio across all car insurance companies is 1. A score below 1 means the company received fewer than the expected number of complaints. A score above 1 means the company received a more than the expected number of complaints.

Claims Satisfaction & Customer Experience - 3.5 / 5

Since HiRoad is a relatively new insurance company, it is difficult to judge customer reaction in any significant way at this time.

The company has no BBB or Trustpilot presence. However, they were evaluated by the NAIC for consumer complaints in 2017.

HiRoad received a 0 score, meaning they had no complaints against them for that time.

For the limited area they service, customer reviews online have been so far positive, routinely citing savings and ease of the app's interface.

Financial Strength

Key Details

Underwriter
HiRoad Assurance Company
AM Best Financial Rating
A-

Financial Strength - 4 / 5

HiRoad Assurance Company is a domestic stock insurer that offers auto insurance policies on a direct basis.

HiRoad Assurance underwrites claims for those who purchase policies through HiRoad Auto Insurance.

Although under the umbrella of the State Farm family of companies, HiRoad Assurance operates as its own separate entity.

In 2017, the company was given an A- (Excellent) from A.M. Best, and a Long-Term Issuer Credit Rating of a-.

All agents of the company have extensive experience and are also licensed by State Farm.
*The above information reflects the financial strength of the underwriter of the HiRoad car insurance policies: HiRoad Assurance Company.

Pricing & Discounts

Discounts

  • Safe Driver
  • Low Mileage

Pricing & Discounts - 4.5 / 5

HiRoad's main selling point is discounts through cutting edge technology.

The company's mobile app for iOS or Android monitors how you drive, accelerate, break, and corner, among other information.

What's more, you'll receive discounts in real time so you know exactly what you are doing right or wrong.

The app also provides direct driving feedback, rewards and offers, and a breakdown of the total money saved on a monthly basis through safe driving.

All told, HiRoad customers can save up to 50% a month using the smartphone app.

If you want more info about top car insurance companies, read our review of the Top 9 of 2018.

Contact & Additional Information

Homepage URL
https://hiroad.com
Company Phone
(888) 912-9306
Mailing Address
PO Box 105702, Atlanta, GA, 30348
Year Founded
2017

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Customer Comments & Reviews

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L
Lisa
2/8/2021
Do not purchase insurance with HiRoad. My car was involved in a hit and run accident over 45 days ago and HiRoad has still not paid the vehicle off - mind you it was a total loss......and I have to keep making payments until it is paid off. Every time I contact HiRoad, its another song and a dance as to why they have not paid the finance company yet. I think I need to hire an attorney.

G
geraldbrothers
5/7/2019
Beware of this company. I had for over a year and one month my rate was double what they quoted me. They blamed me for the app not working on my phone and refused to refund me. I'm reporting them to Better Business Bureau.

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