Best Digital Insurance Providers

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Offering up to $3 million in affordable term coverage and a simple digital process, Haven Life makes buying life insurance online easier than ever. The company is backed by MassMutual, which has an A++ (Superior) rating by AM Best, and coverage is available nationwide.

While Haven Life debuted in only 2015, the company is owned by MassMutual, a trusted name in the insurance world since 1851. Because of this, Haven Life by MassMutual can boast an A++ financial strength rating from AM Best as well as an impressive, well-below-average complaint index, according to NAIC. Where most life insurance carriers will only start the process online, Haven Life allows you to complete it and get life insurance within minutes, making it our choice for best life insurance.

Online term life insurance through Haven Life is available to customers most states. While they don’t currently offer other types of life insurance (such as whole life or final expense), they do offer three different add-on riders (Haven Life Plus, accelerated death benefit, and waiver of premium). Plus, eligible applicants can opt for InstantTerm, a no-medical-exam policy that offers immediate coverage up to $1 million.

We were able to get an estimated quote for coverage in about 30 seconds; getting a more in-depth, “real rate” took less than three minutes. If you have questions or just want to chat with Haven Life about your options, you can reach their customer service department via email, phone, or even live chat.

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Whether you have 20 employees or are a sole proprietor, protecting your small business with insurance can be very important. Next Insurance offers online business insurance coverage for a variety of companies and industries, and buying a policy can take just minutes.

Next Insurance was founded in 2016 and offers a variety of small business insurance options to keep you and your company safe whether you have one employee or 20. The company has innovated complicated commercial insurance while making it affordable, helping it secure its title as best business insurance in our review.

Through Next Insurance, you can get a quote online in just minutes for general liability insurance, business insurance, business owner’s policy (BOP) coverage, property insurance, commercial truck/auto insurance, workers’ compensation insurance, or professional liability/E&O coverage. All policies are backed by Munich R.E., which holds an A+ (Excellent) rating from AM Best.

Whether you are a photographer, DJ, contractor, fitness instructor, educator, consultant, or hold one of the 1,300+ professions that Next Insurance covers, you can buy coverage online or over the phone at potentially very low rates. Unfortunately, not all business insurance products may be offered in your state.

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Lemonade takes much of the sting out of the homeowners insurance process, giving you the ability to buy coverage online in a few minutes and even paying out approved claims immediately, to a connected bank account. Lemonade offers a long list of additional coverage options, making it easier to build the policy that suits your exact needs.

Though Lemonade was only launched in 2015, they have generated some buzz in the property insurance world over the years. The company offers homeowners, renters, and condo coverage, with homeowners policies being available in all states plus the District of Columbia. 

All policies can easily be purchased online or through Lemonade’s mobile app; in fact, getting a quote only takes a few seconds and buying a new policy takes only a few minutes, which helped make it our choice as best for homeowners insurance. If you have questions, are ready to buy coverage, or need to file a claim, customer service is available by phone, email, or through the company’s robust mobile app.

Lemonade takes a flat percentage of your monthly premiums to cover operating expenses and pay claims with the rest. Anything left after that goes to the charity of your choice. Because Lemonade doesn’t make an additional profit by denying homeowners’ claims or making smaller payouts, it gives many policyholders added peace of mind that they’ll have the coverage they need when they need it most. 

While Lemonade has not been evaluated by AM Best, the company does hold an “A” (Exceptional) financial stability rating from financial analysis firm Demotech.

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Root is a tech-savvy auto insurance company set on directly rewarding good drivers for their good driving habits. The app is feature-rich and often allows drivers to cut their premiums in half (or more).

Founded in 2015, Root has been steadily growing its auto insurance presence over the last five years. The app-based platform allows drivers to save money on premiums based on their driving habits, by utilizing an innovative “test drive” before a quote is ever calculated, which is why it wins our best auto insurance category.

Root’s test drive is a two- or three-week digital trip tracker, performed through the Root mobile app directly. Through this, Root is able to gauge and evaluate your everyday driving habits, including speed, aggression, and even the times of day you most often drive. With this data, Root is able to better calculate the risk you pose behind the wheel and, in turn, reward you with lower premiums. 

Once the test drive is complete and a quote is offered, you can easily buy coverage through the app via credit card or even Apple Pay.

Currently, Root’s reach is a bit limited; they do not insure ATVS, motorcycles, or other special vehicles and they are only operating in 41 states. However, the platform is expanding all the time and they expect to be in more states soon.

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Whether you’re looking to insure your home, car, motorcycle, pet, or even your life, Esurance offers the coverage. With multiple lines of insurance to choose from (depending on your state), you can pick the policy you need or bundle coverage together to save. With an easy-to-use mobile app and plenty of discounts to choose from, Esurance is worth a look no matter what your coverage needs are.

Esurance was chosen as best overall provider for how simple the platform is with many insurance products available without the need to speak to an agent unless you want to.

Owned and backed by Allstate, the largest publicly held personal insurer in the country with a AM Best rating of A+ (Superior), Esurance has been writing policies since 1999. It operates in most states, though not all products are offered in each state.

Many of Esurance’s products can be quoted, bundled, and purchased online or through the mobile app, without ever needing to speak with an agent. If you don’t plan to pay your premiums online in full at the start of your policy, just be aware that Esurance does charge a monthly installment fee. Depending on your coverage, you can expect this to range anywhere from $3 to $10 per month.

Esurance does not have any brick-and-mortar locations, though they encourage you to reach out by phone, by email, or even through their social media channels.

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Oscar Health helps easily connect consumers to doctors and providers within their growing healthcare network. Though the program is only available in a few states right now, it offers participants access to cutting-edge facilities while giving them a 24/7 link to the care they need.

Health insurance looks much different today than it did a decade ago, especially with the passing of the Affordable Care Act. Buying coverage for yourself or your family with Oscar Health can be simple and straightforward, which is why we chose Oscar as the best health insurance of the options we reviewed.

Oscar offers healthcare coverage for individuals and families, as well as business and Medicare advantage plans. They are currently only available in limited states but are expanding all the time. 

With Oscar, you have immediate access to the care you need, especially when it comes to telemedicine. Day or night, you can schedule a visit with a board-certified doctor in as few as 15 minutes (whether you need a diagnosis or just want to refill a prescription), with no copay or out-of-pocket cost.

The Oscar app lets you find and visit with healthcare professionals, see lab results, access bills and prescriptions, and even review claims. Plus, you can track your daily steps within the app and earn up to $100 a year in Amazon credits just for meeting your health goals.

Some of Oscar’s key benefits are limited to plan participants in specific areas.