Driver Smart; Save Smart
40%

Drive Safe. Pay Less.
Save Up To 40%

We price car insurance based on how safe you drive.

40 percent
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    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

    Great Customer Experience
    Safe Driving = More Savings
    Fair Pricing
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    Google Reviews
    4.4 yellow stars
    Based on 41 reviews
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    TrustPilot
    4.2 green stars
    Based on 152 reviews
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    ”The easiest insurance company I've dealt with”
    Brenda Guzmán
    THE PROBLEM
    The loyalty tax is real
    Insurance companies quietly raise rates on existing customers while offering new ones better deals. Sound familiar?
    Icon of a frequency going up.
    Renewals go up for no reason. No tickets. No claims. Your rate still climbs. Companies count on you not noticing — or not bothering to switch
    Icon of a coin with arrows around it.
    New customers get your deal. That "new customer rate" you once had? Someone else has it now — often for the exact same coverage you're paying more for.
    Icon of a piggy bank
    "Loyalty pricing" only when you cancel. Suddenly eligible for a discount the moment you try to leave? That's not loyalty — it's a retention tactic.
    HOW NOVO WORKS

    Your Driving Habits Set Your Rate

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

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    Get a quote in 60 seconds Enter your address and get a personalized rate instantly. No phone calls, no agents, no waiting.
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    Drive with the Novo app Download the Novo app and connect it to your car via Bluetooth — no extra hardware needed.
    Save up to 40% icon
    Save up to 40% Your rate updates based on your Safety Score. Drive better, pay less — potentially up to 40% in savings over time.

    Complete 5 trips and 200 miles to unlock your Safety Score. Use the insights to build better habits and 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 BillingSmiling family of three with a golden retriever inside a car with an open sunroof, enjoying a drive together
    Smiling family of three with a golden retriever inside a car with an open sunroof, enjoying a drive together

    Fair Pricing That Respects You And Your Wallet

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    Fair Pricing That Respects You And Your Wallet

    Drive Safe. Pay Less. It's That Simple.

    Get a quote today. It takes 60 seconds and zero commitment.

    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

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