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Car insurance that prices you monthly based on how safe you drive — not just your age or zip code

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how
  it works
Novo prices your insurance based on real driving. Your Safety Score reflects how you drive, and your rate updates monthly based on your habits. The safer you drive, the lower your price.
Hard-braking too much last week? Don’t stress — you’re not locked into a high rate.
01.
Using your car's data, we determine a Safety Score. We also track total miles driven each month. To get your monthly Safety Score, just go on 5 qualifying trips or 50 miles per month.
02.
Your premium isn't set in stone - it shifts every month depending on how you drove last month and our estimate of your yearly mileage, offering a chance to score lower rates when you keep it safe on the road.
03.
We're all about boosting your Safety Score to help you pocket more savings.

Consider us your personal coach, here to steer you towards safer driving habits every step of the way.

Drive first or quote first — Novo puts you in control

Want to start now?

Get a free quote and lock in a fair rate — including 20% off right away!

Want to test the waters first?

Try our drive first option: download the Novo app and hit the road. Once your Safety Score is ready, we'll show you a personalized rate based on how you drive. Driving safer can lead to savings of up to 40%.

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WHAT
   THEY SAY
5-star rating
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Ethan Burton
May 14, 2025

My experience couldn’t have been better, the online process was easy and intuitive. And any problems that arose i was contacted by an insurance agent promptly. A++

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5-star rating
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david fritts
April 27, 2025

Super easy process and really fair pricing! Almost $100 cheaper than everyone else I got a quote from, more than a handful…

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5-star rating
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Sophia Mcmeekan
April 30, 2025

What makes this company great was I got instant results. And best rates Very professional and on point.

5-star rating
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Brian Gallagher
May 21, 2025

Great company. I got a fantastic deal and saved a lot of money

5-star rating
Kaylon Wearren
May 17, 2025

Very good, cheap, and easy insurance! You’re truly rewarded for good driving.

5-star rating
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William Cantu
May 17, 2025

Prices are fair and it's super easy

5-star rating
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Laura Rodriguez
May 14, 2025

It was easy and affordable, wish I found you sooner. Thank you Novo

5-star rating
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Brittney Christensen
May 10, 2025

I liked working with Sarah. She was patient and earnest in wanting to help me.

5-star rating
Kenneth Jay kraft
May 05, 2025

Communication good agent knowledge excellent

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Customer avatar photo
Ethan Burton
May 14, 2025

My experience couldn’t have been better, the online process was easy and intuitive. And any problems that arose I was contacted by an insurance agent promptly. A++