Novo Insurance, in partnership with Ram

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.

Get a free quote today.

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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

Your Driving Habits Set Your Rate

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

Mobile app dashboard showing driving summary with safety score of 85 for Jeep Wrangler '23, estimated premium of $169, and upcoming payment of $193 with autopay scheduled.

Smiling family of four, including a man, woman, child, and golden retriever dog, sitting inside a car with sunroof.

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 showing billing details with August bill of $94.50, option for early payment, and September estimate in progress.

Smiling family with a golden retriever dog sitting inside a car with a sunroof.

Smartphone displaying a map with a highlighted route from Coleman Ave to San Jose, showing travel time and distance.

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.