HiRoad® Car Insurance

Drive mindfully and save up to 50% each month on your auto insurance. This all-in-one app-powered insurance is perfect for good drivers who want to earn rewards.

HiRoad offers more than just great insurance. Unlike traditional insurance providers, HiRoad gives you the tools to understand your driving behaviors and make meaningful changes when you’re on the road. Best of all, you’ll earn monthly rewards for good driving, making our roads a little safer.

So, if you’re the kind of person who puts the shopping cart back, holds the elevator door for coworkers and takes the high road in whatever you do, you’ll love HiRoad .

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What’s in the HiRoad app?


Driving Scores

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

- Distraction-Free Driving–keeping your eyes on the road and away from your phone
- Driving Patterns–when and how long you drive
- Safe Speeds–how well you keep to the speed limit
- Smooth Driving–turning and braking with ease

If you score high on all of the above scores, you have a chance to save up to 50% each month.


The HiRoader Recap

At the end of each month you’ll get a summary that shows your end-of-month driving scores, your monthly reward and the improvements you’ve made to your driving. It’s one of the many ways HiRoad celebrates you being your most mindful self.


Tip Cards

Had a bad trip? A bad week? A bad month? That’s okay.

With the HiRoad app, you’ll get helpful tips to improve your score and to earn more rewards on next month’s bill. Good drivers love HiRoad for the rewards but even the best drivers make mistakes. When that happens, the best reward is a fresh opportunity to improve your scores and save.


Other Helpful Tools

- Bill Pay–pay your monthly bill using Apple Pay or any major credit or debit card
- Policy information–ID cards, coverages and documents
- Claims–describe, upload pictures and submit your claim to HiRoad’s 24/7 claims team
- Billing History–see your full payment history, including your rewards
- Policy changes–request to add drivers and cars to your policy on the HiRoad app
- Chat with Customer Care–our team is here to help you solve any issues you have using the HiRoad App

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Get to Know HiRoad


What is HiRoad?

HiRoad is an insurance company that rewards you each month for your good driving using the smart technology in your phone.

Where can I get HiRoad insurance?


Currently, we offer insurance in Rhode Island and Arizona.

What kind of insurance does HiRoad offer?

We offer auto insurance with a range of different coverage options to fit your lifestyle. We also offer renters coverage. When you purchase auto and renters insurance, you’ll receive a multi-policy discount.

What does the app do?

The HiRoad app uses the smart technology in your phone to measure your driving. The better you drive, the better your scores. The better your scores, the bigger your rewards. And, with the HiRoad app, you have the ability to improve your driving each month by following our driving tips.

The HiRoad app also lets you view your policy, pay your bill, file your claims and more, all from your device.

How does the app know I’m driving?

To earn rewards, you’ll need to record and classify your trips in the app. If you’re driving to work, you’ll classify your trip as “driving.” If you’re taking the bus or using rideshare, choose “not driving.”

Do I need to use the HiRoad app?

To earn rewards for your driving, yes you need to use the HiRoad app. You’ll want to check the app regularly and review all of your recorded trips.

Where can I get HiRoad insurance?


Currently, we offer insurance in Rhode Island and Arizona.


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So, why does HiRoad reward good driving?

We believe when you earn rewards, everyone earns the reward of safer, cleaner roads. Our goal is to build a better future together–a future where doing right pays off for all of us.