Driver Smart; Save Smart
3D green and yellow gradient text showing '40%' with a reflective shadow beneath.

Drive Safe &
Save Up To 40%

We price car insurance based on how safe you drive  — not just your age or zip code, using our mobile app.

3D green and yellow gradient text showing 40 percent with a reflective shadow beneath
First name is required
Last name is required
Email is required
Date of Birth is required
    Address is required

    Thank You!

    Your information has been submitted.

    First Name

    *

    First Name

    *

    First Name

    *

    First Name

    *

    Address, City, State, Zip

    *

    First Name

    *

    First Name

    *

    By initiating a quote request, you acknowledge that Novo or its authorized partners may collect, process, and analyze personal information you provide, along with data from external sources (i.e., driving and claims histories or vehicle records), to provide you with a more accurate quotation. For details on how we process and safeguard your data, please review our Privacy Policy

    Google Reviews 4.4 stars
    TrustPilot Reviews 4.0 stars

    Your Driving Habits Set Your Rate

    Your Safety Score reflects your actual driving. The higher your score, the lower your rate.

    Novo mobile app interface showing a driving summary with a safety score of 85, estimated premium of $169, and navigation tabs for Home, Insurance, Driver Board, and Billing
    Smiling family of three with a golden retriever inside a car with an open sunroof, enjoying a drive together

    Getting started is easy. Download the Novo app and connect it to your car via Bluetooth — no extra hardware needed.

    Complete 5 trips and 200 miles to unlock your Safety Score. Use the insights to build better habits and lower your rate.

    Smartphone screen displaying a billing app showing an August bill of $94.50 with options to make an early payment and view details, alongside a September usage estimate in progress.Statistic card showing Novo with 1.2k active users on an orange background.Smiling family with a dog sitting inside a car with a sunroof open during a drive.Smartphone displaying a map with a highlighted route from Palo Alto to the Mineta San José International Airport, showing trip details for Coleman Ave, San Jose.

    Fair Pricing That Respects You And Your Wallet

    Play
    Close

    Why pay high rates if you're a safe driver? Your pricing should reflect your good driving habits!

    Fair Pricing That Respects You And Your Wallet

    Not Sold Yet?

    Drive First, Quote Later

    Try Novo before you switch. Drive a few trips, get your Safety Score, and see your personalized quote.
    No commitment needed.

    App Store

    Google Play

    Try Novo before you switch. Drive a few trips, get your Safety Score, and see your personalized quote.
    No commitment needed.

    App Store

    Google Play

    Here’s What To Expect When Signing With Novo

    Price Reflects The
    Way You Drive

    Your rate isn’t set in stone. It changes every month, based on the prior month’s driving and your yearly mileage.

    A Personal
    Safety Coach

    Consider us your personal coach, here to steer you towards safer driving habits.

    Full Transparency
    On Pricing

    See exactly which driving
    factors impact your rate, so you know exactly how to lower
    your rate.

    Cancel Anytime.
    No Strings Attached


    You’re in control. If Novo’s not for you, cancel anytime — no hidden fees, no penalties. But we think it’s worth staying.

    Price Reflects The Way You Drive

    Your rate isn’t set in stone. It changes every month, based on the prior month’s driving and your yearly mileage.

    A Personal Safety Coach

    Consider us your personal coach, here to steer you towards safer driving habits.

    Full Transparency On Pricing

    See exactly which driving factors impact your rate, so you know exactly how to lower your rate.

    Cancel Anytime. No Strings Attached

    You’re in control. If Novo’s not for you, cancel anytime — no hidden fees, no penalties. But we think it’s worth staying.

    © 2026 Novo Insurance, LLC. All Rights Reserved.