Motion Auto Insurance Review [2024]: Revolutionary or Just Risky?

Updated June 9, 2023
Fact checked
See if pay-as-you-go car insurance is right for you and if you should put your trust in Motion Auto.

Compare car insurance rates in your area!

See if you qualify for a lower rate in less than 2 minutes

By clicking the button below I understand and agree that this site uses site visit recording technology (provided by Trusted Form, Jornaya, and Microsoft Clarity) Privacy Policy

Check Rates


We receive compensation from the products and services mentioned in this story, but the opinions are the author's own. Compensation may impact where offers appear. We have not included all available products or offers. Learn more about how we make money and our editorial policies.

Most car insurance companies set premiums based on your driving history, credit score, and demographics like your age, gender, and marital status. But as technology progresses, some auto insurers are using telematics to track driving habits and offer affordable car insurance rates for good driving.

A 2021 J.D. Power survey found that 16% of policyholders are enrolled in one of these programs, and 34% are willing to sign up for one. While some auto insurance companies offer optional programs that can help save on your premiums, others offer low rates based entirely on your driving habits tracked through their apps.

One newer company using this pay-as-you-go car insurance model is Motion Auto. We’ll take a look at it and how its coverage works to see if it might be a good fit for you.

In this Motion Auto Insurance Review

Motion Auto Insurance: Is it worth it?

Pros Cons
  • Premiums based on driving habits
  • More affordable for infrequent drivers
  • Tracks driving with just a phone app
  • Newer company with little history
  • Inconsistent premiums make it hard to budget
  • Not yet available in any state
Our verdict: Motion Auto Insurance is a new player in the pay-as-you-go insurance space. Using an app rather than a plug-in device, the company tracks your driving habits and prices your premiums accordingly. This could make it an affordable choice for infrequent drivers.

What is Motion Auto Insurance?

Motion Auto Insurance is an auto insurance startup founded in 2018 and licensed in Utah. Motion Auto policies are sold by Novo Insurance and underwritten by 21st Century Premier Insurance Company, which is a Farmers company. The Farmers Group has an A (excellent) financial strength rating with AM Best.

Motion Auto is currently being rebranded as Novo Insurance, so the company is not currently issuing new policies, and limited information is available online.

Year founded 2018
Types of coverage
  • Bodily injury
  • Property damage
  • Uninsured motorist
  • Collision
  • Comprehensive
  • Roadside assistance
Discounts available None
Where you can use it Android, iOS, desktop portal
Customer support
  • Email:
  • Phone: 844-425-0049 (9 a.m. to 5 p.m. Mountain time)
Availability To be determined once company rebrands

How does Motion Auto Insurance work?

Everything starts with the Motion Auto app, which is available for both iOS and Android devices. Once you download the app from the app store, you can apply for coverage and get insurance coverage in as little as two minutes.

Once you start driving, Motion Auto will track how often and how safely you drive, all while giving you feedback to improve your driving habits. Your rate will then be adjusted to reflect the data the app collects. You can also add new drivers, view your insurance ID cards, request roadside assistance, and file a claim through the app.

Unfortunately, as of June 28, 2022, Motion Auto Insurance is not currently operating in any state pending a rebranding as Novo Auto Insurance.

Although the company is accredited by the Better Business Bureau (BBB) and has a B+ BBB rating, customer satisfaction with the Motion Auto mobile app seems poor. Overall, customer complaints range from the company using a third party to handle the claim process to Motion Auto being unresponsive to inquiries.

Get rates, offers & more from top rated insurance providers!

By clicking the button below I understand and agree that this site uses site visit recording technology (provided by Trusted Form, Jornaya, and Microsoft Clarity) Privacy Policy

Check Rates

What insurance does Motion Auto Insurance offer?

Motion Auto only offers standard types of car insurance coverage, and extras like gap coverage or rideshare coverage options are unavailable. Here is a list of what Motion Auto covers:

  • Bodily injury coverage: This type of coverage is required by most states and covers things like medical bills and pain and suffering for other drivers and passengers injured in a car accident you cause.
  • Property damage coverage: This type of coverage is required by most states and helps pay for damage to another person’s property or vehicle in an accident you cause.
  • Uninsured motorist coverage: This helps pay for repairs to your vehicle if you are hit by an uninsured driver or are the victim of a hit-and-run.
  • Collision coverage: This helps pay for damage to your own vehicle in an accident that you cause.
  • Comprehensive coverage: This pays for damage to your car from non-collision events, such as theft and vandalism.
  • Roadside assistance coverage: This can provide coverage for flat tire changes, jump starts, towing, and other services to get you back on the road.

Motion Auto Insurance: How cheap is it?

Motion offers comprehensive, collision, and liability insurance policies underwritten by 21st Century Premier Insurance Company. The company claims that it doesn’t price its premiums based on its customers’ zip codes or credit scores but by their driving habits instead. As a result, Motion Auto Insurance may be a more affordable option for safe and infrequent drivers.

How to find discounts

Motion Auto Insurance doesn’t appear to offer any discounts, and you can’t currently sign up for a policy. Here are some other steps you can take in the meantime if you’re looking to find discounts on a car insurance policy.

  • Check to see if your current provider offers a usage-based discount program.
  • Raise your deductible to lower your monthly premium.
  • Ask about discounts you may be eligible for, including driving course discounts.
  • Shop around for car insurance to see if you can get a better price by switching companies.

How to maximize your savings with Motion Auto Insurance

To save money on car insurance, talk to a Motion Auto Insurance agent to see if you’re taking advantage of every possible discount or special saving. Because Motion Auto Insurance bases premiums on your driving habits, practicing safe driving (no speeding or accidents) and minimizing the use of your insured vehicle could help lower your policy costs.

How to get an insurance quote from Motion Auto Insurance

If you’re wondering how to get car insurance from Motion Auto, you’ll need to wait until Novo launches its online quotes. Clicking the button to start a quote won’t get you a pricing estimate, but you can enter your information to be notified when the company has finished its rebranding and starts offering new policies in your state.

Motion Auto Insurance FAQs

Is Motion Auto Insurance legit?

Motion Auto Insurance is a legitimate insurance company that is licensed in Utah. However, the company is not currently issuing new policies due to a rebranding of the company.

Is pay-as-you-go car insurance worth it?

Pay-as-you-go car insurance could be worth it if you don’t drive very often. However, this means that your premiums won’t be predictable. Most pay-as-you-go insurers charge a base rate determined by traditional underwriting criteria, like your driving record, as well as a pay-per-mile charge.

Other pay-as-you-go auto insurance companies also adjust your rate based on your driving behavior, such as the time of day that you drive. You’ll need to estimate your annual mileage and do the math to ensure that you’re getting a good deal.

How do you contact Motion Auto Insurance?

You can contact Motion Auto Insurance using an online form, online chat, or by phone or email. Phone support is currently available on weekdays between 9 a.m. and 5 p.m. Mountain time.

Bottom line

While Motion Auto/Novo Insurance may be worth exploring, you’ll need to wait until the company’s rebranding is complete to get a quote. But that doesn’t mean you should stop looking for a car insurance policy.

If you’re happy with your current company, you might ask about ways to reduce your premium. But if you’re ready to switch, start by getting a quote from some of the best car insurance companies we’ve reviewed.


FinanceBuzz researches a number of factors in each auto insurance provider to create our reviews. These factors include cost and discounts, complaints and customer satisfaction, coverage, and ease of use. We also gather information from sources such as J.D. Power, AM Best, the National Association of Insurance Commissioners (NAIC), and the Better Business Bureau to ensure we provide the most useful information to our readers.

  • You could save up to $600 with some companies
  • Compare dozens of providers in under 5 minutes
  • Fast, free and easy way to shop for insurance
  • Quickly find the perfect rate for you

Author Details

Lindsay Frankel Lindsay Frankel is a Denver-based freelance writer who specializes in credit cards, travel, budgeting/saving, and shopping. She has been featured in several finance publications, including LendingTree. When she's not writing, you can find her enjoying the great outdoors, playing music, or cuddling with her rescue pup.