A new report evaluating the mobile apps and mobile websites of the top 12 U.S. auto and property insurance carriers, found that GEICO’s was the best for overall for its mobile user experience, according to Keynova Group, a competitive intelligence source for digital financial services firms.

State Farm placed first for its mobile app, and Progressive secured the lead for its mobile web experience.

The findings indicate carriers are advancing mobile accident detection and claims support.

Results of the Q1 2024 edition of its semi-annual Mobile Insurance Scorecard reveal that carriers are enhancing their mobile modes by advancing claims capabilities with accident detection, feature-rich roadside assistance, and improved claims tools such as GPS mapping, Keynova said.

Improvements have also been made to the usability of carrier mobile channels by enabling pre-login app access to key services such as quoting or customer support and by offering quick login to policy services via mobile web.

“Insurance carriers’ efficient and effective claims handling continues to be a central component of policyholder satisfaction and retention,” said Beth Robertson, managing director of Keynova Group. “Mobile devices are ideal for supporting a superior, in-the-moment claims experience encompassing useful digital tools that can generate rapid and accurate event resolution.

More than 80 percent of Scorecard carriers enhanced their mobile claims and/or roadside assistance services in the past six months.

Recent updates by Progressive and Travelers have pushed the number of carriers offering accident-detecting telematics tools to 50 percent.

Nearly 70 percent of accident-detecting telematics tools can launch and prefill a first notice of loss, reducing the time to claim settlement.

In addition, two-thirds of carriers offer mobile damage inspections for vehicles and close to 60 percent support mobile options for property damage inspections, according to the Keynova findings.

Additional upgrades introduced by multiple carriers include using a claims tool to review key areas of related coverage, reserve a rental car and/or view live mapping of the arrival of roadside assistance.

Well-designed digital interfaces that facilitate expedited access to critical policyholder information and actions are being added, as well.

Close to 100 percent of carriers have improved their app login screens to help policyholders gain direct, pre-login access to customer service (75 percent), quoting (58 percent), roadside assistance (58 percent), claims initiation (42 percent) or ID cards (42 percent), the analysis found.

Scorecard carriers are offering policyholders quick login on mobile apps, using alternative credentials when passwords may not be handy, making it easier to efficiently pay a premium (100 percent) or access an ID card (83 percent).

Digital wallets are another convenience, with 75 percent of carriers providing links on the ID card screen that enable policyholders to store their ID in a mobile wallet quickly.