Published: November 25, 2018
9 min read
Last updated: June 23, 2022
In this article, you'll learn:
📱 Features of an Auto Insurance App: Your Top 7 List
👍 Extra Features For Your Mobile Car Insurance App
⚙️ Tech Stack For Car Insurance App Development
💰 Cost to Build an Insurance App
Are you looking for new opportunities to improve the level of service quality for your mobile audience? Or maybe you want your audience to be more loyal to your Insurance Brand? That’s something that a mobile application can help you do!
Car insurance app development will provide your insurance company with remarkable benefits:
What is the potential of a mobile car insurance app for your business?
⏱ Your mobile audience (which is probably between 20-35 y.o.) spends about 54-66% of their time in mobile apps, while mobile web accounts only for 7%. That’s why your website (even optimized for mobile) can’t provide you with great results.
🤖 You will need fewer employees and can cut operational expenses since mobile technologies (like chatbots or live support) will let you interact with people more efficiently.
🤝 It’s easier to reach your customers through a mobile app. Additional insurances and roadside services - with an application it can be offered and bought with just a few taps, leading to your revenue growth.
🔋 The workload of your insurers is reduced, providing them with more time for other tasks (for example, to acquire new customers).
📊 A mobile app helps to make your business more transparent and open for a deep analysis. This provides you with the possibility to make more data-driven decisions.
🚀 Your business can grow promptly. Users can access your services via mobile application even if you don’t have an office in their city or region.
Sounds promising, doesn’t it? Yet, while the benefits of a mobile car insurance app may be quite obvious for you (after all, that’s how you turned up on this article, right?), the development itself is rather something that requires a good Partner alongside.
Except for the development itself, such a Partner should hold a Discovery Stage with you in order to understand what exactly you’re trying to achieve with your Product and come up with a list of core features to create own auto insurance app.
To get more information on what a Discovery Stage is and what steps it normally includes, feel free to follow the link to our article where we talk about the Project Discovery in detail:
Project Discovery: What is it and Why Do You Need it?
Reach the mobile audience with the mobile application! (image by Darren W.)
But as for now - let’s imagine a Car Insurance company, which has the aim to increase the level of service, brand loyalty, reach out to the mobile audience - and as a result, increase the yearly income per client. Which features should the app for such a car insurance company have? Here’s how we see it at Stormotion!
During car insurance app development it’s necessary to keep the balance:
Let’s take a closer look at the features of an auto insurance app MVP!
Quite obvious, that before user buys the insurance, they have to provide some details about his car. The typical workflow is to offer him to fill in some information about his car: year, make and model. Forget about the paperwork!
However, even such a standard and kind of boring procedure can improve the quality of your services as you develop an app for a car insurance company. Let the UK-based Cuvva car insurance application inspire you!
Prior to buying an insurance, your users will be asked to fill in some info (image by Gabriel Paunescu)
Cuvva’s users are asked to enter only the vehicle’s reg plate. Due to the integration with the GB DVLA, the app extracts all the car data straight from this database, killing two birds with one stone:
When the basic info is entered, it’s time to offer users available insurance plans.
Here are a few recommendations to follow:
When a user is interested in a specific insurance plan - don’t waste your time and close the deal! As a Mobile Development Agency, we can build a car insurance app and integrate a smooth & secure payment gateway - either Braintree or Stripe - for this purpose.
This is the last step before users actually pay for your insurance (image by Digital55)
From the UI perspective, this screen should include some basic info about the chosen insurance policy from the previous screens, like:
Also, this is the right moment to remember about your legal obligations since it’s the last step before users exchange their money for your insurance guarantees. Therefore, leave a place for a “Policy & Terms” button.
Moreover, since you want to build a car insurance app for an audience that’s on a first-name basis with mobile technologies, they should be able to save their credit cards for quick payments & access in the future. Keep in mind: this kind of data requires a special protection.
One of the advantages of your own mobile car insurance app for your clients is the simplified interaction with your company. How can it be implemented? Through a support chat!
It opens a bunch of new possibilities regarding your users:
Moreover, another reason to create own auto insurance app with a Support Feature is that your business will get benefits, too. For example, you can significantly cut operational expenses since you will require fewer employees to provide support for your clients.
Of course, users should always have a direct access to their insurance IDs. The typical solution is to add a separate screen (it’s usually known as the Policy Review or ID Screen) where users can check a policy type and number, vehicle’s specification, effective and expiration dates etc.
Users should be always able to check a current insurance plan (image by Bartosz Bąk)
The insurance business may be the only industry in the world in which both you and your clients hope that there will never be a real need to use your services :)
However, you definitely need to add the Claim Filing Screen to your car insurance app. Its main goal is to simplify and speed up the claim processing. Moreover, a chatbot can eliminate paperwork; users will file claims on their own, not involving your staff - isn’t that a great example of optimization and services quality improvement at the same time?
Claiming screen can significantly improve the UX (image by Dylan Arendse)
From the development perspective, there are several solutions that your Tech Partner can implement:
We can’t imagine the MVP Product Backlog and the list of features of an auto insurance app without Push Notifications. Why do you need them?
As you can see, Push Notifications can serve both marketing and service purposes, providing noticeable benefits for your business and customers at the same time.
So, these were the essential features of an auto insurance app that will ensure the basic functionality and should cover the expectations of your audience. However, if your app shows good retention numbers and you managed to get an additional budget from your C-Level , it’s also possible to enhance it with the advanced functionality. Here are several ideas for you!
At Stormotion, we usually think of our clients’ Projects in a long-run perspective. Therefore, we try to plan a few steps ahead, including what features don’t fit the initial scope and have to be delivered in the next releases. Here are our ideas regarding car insurance app development!
For example, already mentioned chatbots are a great example of advanced functionality that can be kept for further releases. Yet, since they are involved in direct interaction with your customers and can greatly improve the UX, we recommend planning it for one of the early post-release updates (or even include it in the MVP Scope).
A good car insurance app should include chatbots (image by Mary Kvitt)
If you want to develop an app for a car insurance company that will go even beyond users’ expectations, try combining AI algorithms with GPS services and motion sensors. This approach is used in Allstate and Root car insurance applications.
In a few words, the idea behind this nontrivial combination is to analyze driving behavior and provide users with rewards (for example, decreasing the cost of an insurance policy) based on this data. Meeting the criteria of “better driving” usually means:
Finally, you can enhance your mobile application with different roadside tools. It can include any services that will be useful to the drivers: fuel delivery, tire change, jump start, gas station finder, parking reminder, and so on.
One more thing: your Dev Squad will need some specific technical tools to create your own auto insurance app. Let’s mention some of them!
An appropriate Tech Stack can significantly decrease required time and cost to develop a car insurance application. Moreover, the right tools can ensure the smooth work and great UX of your app. That’s why it’s important to choose the proper set of APIs and SDKs.
Our Stormotion Developers recommend using following tools to develop an app for a car insurance company:
If you are interested in what the costs to develop an app for an insurance business are, check the estimate below:
MVP Features Estimated in Hours
Using React Native
⏳ Min Hours
⏱ Max Hours
🛠 Setup Technical Foundations
📋 Quoting Flow
Fill in the driver’s data
Fill in the car’s data
Insurance Plans Screen
Detailed plan info
💸 Payment Flow
📝 My Insurance
📋 Claiming Flow
Choose a type of claim
Take photos of the damage
Review the claim
🤙 Support Flow
Check your agent’s profile
🚚 Roadside Assistance Flow
Select a Service
Reval your location
Track the help on the map
🔔 Push Notifications
So the approximate car insurance app development costs are between $14-18,000. While calculating the cost to create an insurance app we used the average rate of $40/hour. This rate and the final costs may depend on many different factors, so to get an accurate estimate, please, contact us!
Now you have everything to create own auto insurance app: a list of features for your mobile project and a set of technical tools to implement them.
As a Development Agency, we’re ready to share our Experience and Knowledge with you and become your Tech Partner that will help to deliver a top-notch Mobile Product for your audience.
Want to develop an App for your Car Insurance Company or ask additional questions? Hit the button below and we’ll be right there to help you with your idea!
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