Onward Insurance Review (2024): Get Car Insurance

Onward Insurance is a new name in the auto insurance market that provides affordable car insurance policies to residents of California. Since the company is relatively new, only minimal information can be found about them online.


Also, when it comes to coverage details, the company may not actually be the best, with only a few details about coverage options being available on their website, including the cost of their auto policy. To find out the actual cost of your premium, you may need to finalize a quote with them.

However, Onward car insurance meets minimum state requirements. Their minimum bodily injury coverage limit per person is $15,000 and $30,000 per accident, which is the basic requirement for California drivers. They also have a few extras available for drivers who need more than just basic coverage.


One noticeable upside is that Onward provides a mobile app for policyholders, which enables quick submission of claims and easy access to support while also letting you manage other account activities.

Let’s take a look at what is covered under Onward car insurance, including the policy benefits, limits, and deductibles.

About Onward insurance

Onward Insurance operates in California, and according to information from their website, its auto policy is sold through U.S. Insurance Services, LLC, which operates as “Onward Insurance Services.

Need pay-as-you-go car insurance? check our review of » Hugo car insurance

State availability

Onward only issues auto coverage to California drivers.

Onward car insurance coverage

When looking for auto insurance, it’s important to understand what you want and what you’re required to buy.

Onward offers a standard suite of auto insurance coverage types, plus a few rider options. The following are covered under Onward:

  • Bodily injury coverage: This liability coverage pays claims for those whom you have injured or killed in a car accident for which you were responsible. BI coverage limits are set at $15,000 for each person and 30,000 per accident. If you require additional coverage, you have the option to increase the limits.
  • Property damage liability: While this does not protect your car, it helps pay for damages you cause to other people’s property from an accident. The coverage limit begins at $5,000 and goes up to 25,000.
  • Uninsured motorist bodily injury: If you and others in your vehicle get injured by a driver without insurance, this coverage will help you pay up to the amount set in your policy. The maximum Onward will pay in a single covered incident is $15,000 and up to $30,000, regardless of the number of casualties.
  • Uninsured motorist property damage: For damages to your car from drivers without insurance, this coverage will pay for the damages. This covers up to $3,500.
  • Comprehensive: This covers you against damages like hail, theft, fire, vandalism, and more. The deductible for comprehensive begins at $500 and $1,000 max.
  • Collision: If your car sustains a collision with another driver or car, the collision coverage will help repair or replace your car if it is beyond repair.
  • Rental car reimbursement: Rental reimbursement coverage pays for transportation expenses while your car is repaired. The daily entry limit is $20 for 30 days, with a maximum of $40.

Optional coverage:

  • Collision
  • Comprehensive
  • Medical payments
  • Uninsured motorist property damage
  • Uninsured motorist bodily injury
  • Rental reimbursement


Onward does not advertise discounts on its website. You can consider increasing your deductible if you want to save more.

Also check » Glacier auto insurance

Onward Insurance REVIEWS

There aren’t many reviews available about Onward Insurance, so it’s tough to tell how they’re dealing with requests from customers.

But given that the company’s policy is sold through U.S. Insurance Services, LLC, which has an A+ rating on the Better Business Bureau website, we can assume that the company has the financial standing to pay out claims.

Pros and Cons


  • Policies can be cheap
  • Mobile app
  • Easy to get a quote


  • New company
  • Limited availability (California exclusive)
  • Limited information is known about the company

How to get a quote

This can be carried out online. Simply provide your ZIP and follow the subsequent instructions to get a policy.

Onward Insurance app

Onward offers a mobile app for easy account management and monthly payments. Policyholders can also submit claims on the app.

How to file a claim

For fast submission of claims, Onward recommends using their mobile app. Alternatively, you can report a claim by calling their customer support at (833) 966-8366.

Our verdicts on this

The most important thing is getting the right coverage from a reliable carrier. Based on the services offered, Onward Insurance appears to provide simple coverage along with some handy endorsements.

While this is true, the few reviews found by existing policyholders indicate that the company falls short in handling claims properly. At the same time, reviewers can be subjective, so we recommend looking at other reputable insurers to ascertain if you are getting the best coverage for yourself and your car.

You can check out more from our list of other car insurance companies here.

Frequently Asked Questions (FAQs)

Onward Insurance phone number

New and existing customers can find help by calling Onward’s customer service at (833) 966-8366.

Will Onward cover me if I drive for a rideshare company?

No, Onward does not provide coverage if you use your car for ridesharing services like Uber and Lyft. If you need one, you can get it with Toggle car insurance.

How to make payments on Glacier insurance

This can be done online by signing in to your account. Typical payment options are debit and credit cards.

What factors might determine the cost of my car insurance?

A lot of factors. The make, model, and year of your car, including your driving history and age, could well determine how much you could be paying.

Do I need uninsured or underinsured motorist coverage?

Uninsured or underinsured motorist coverage is not required by law in California. But according to a study by Bankrate, California’s uninsured motorist rate is 16.6%, which places them in the top 10 position overall.

These numbers mean the chances of suffering from a car accident caused by an uninsured driver are somewhat high in the state. So for this reason, getting UIM coverage might be a good choice.

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