How do you calculate my discount?

At HiRoad, we believe in rewarding you for sustained good choices over time--because let's face it, we all have bad trips.

When you join HiRoad, you’ll get a quote that shows your "max rate"--the maximum amount you can expect to pay during your policy period, without rewards. This is based on:

  • Your age
  • Your address
  • The make and model of your vehicle
  • Your driving record
  • Consumer report information, such as credit score and prior insurance history

After we determine your max rate, we calculate your rewards based on your HiRoad driving scores. You can learn more about driving scores by visiting this FAQ article.

So, what if you have a bad trip? Well, we know that life happens and sometimes there may be hiccups on the road. That's why we reward you for sustaining safe driving habits over time, rather than sudden spikes in either direction.

Want to earn rewards for your good choices on the road? Get a quote in five minutes by visiting

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