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fixed or flexible. Your Safety Score puts you in control
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NOVO

PLANS

3 ways to get covered. Whether you want to see
your driving insights without it affecting your rate,
or want pricing that reflects your safe driving
— Novo has a plan that fits you
most popular
Novo Flex

Real-time pricing — adjusts monthly based on how you drive

  • Rate changes every month
  • Your Safety Score sets the monthly rate
  • Save 25% at sign up*
Best for drivers who want maximum savings and month-to-month control
Novo Next

6-month price stability — with renewal pricing based on how you drive

  • Fixed rate for 6 months
  • Your Safety Score determines your renewal price
  • Save 20% at sign up
Ideal for drivers who look for long-term stability with smarter renewal pricing
Novo Classic

6-month price stability — plus safety tips to help you drive smarter

  • Fixed rate for 6 months
  • Sharing data won't affect your rate, but unlocks tips & discount
  • Save 10% at sign up
Best for drivers who want stable pricing that isn't affected by their driving

*Your rate for month 3 depends on your driving in month 1.

How you drive shapes your Safety Score — based on braking, acceleration and speeding.

The higher your score, the more you save

NSP Hard Braking tablet

Hard Braking

Sudden stops often signal risky moves — and wear down your brakes. Give yourself more space and time. Your score and your car will thank you.

NSP-Rapid Acceleration tablet

Rapid
Acceleration

Quick takeoffs waste fuel and lower your score. Ease in to save gas and reduce wear on your car.

NSP-High Speeds tablet

Speeding

Going too fast too often can lower your score — and hurt fuel efficiency. Stick to the speed limit to save gas and stay safer on the road.

Novo is live in Arizona — and expanding soon. So join the waitlist. Spots fill fast...

We’ll let you know the moment we launch near you — and you might even get early access perks

🧠 How does Novo know how I drive?

Your driving is scored through the Novo app — we measure things like braking, acceleration, speed, phone use, and more. After five trips or 200 miles, we generate your Safety Score, which helps set your price (depending on your plan)

📱 Do I need to install anything in my car?

No hardware needed. Just download the Novo app. It uses Bluetooth to connect with your car, helping accurately detect when you're the driver—not just a passenger. No plug-in devices, no guesswork.​

🔌 Will I need to reconnect if I get a new phone or car?

If you get a new phone, you will not need to relink your vehicle within the Novo mobile app as long as the vehicle is paired with the phone via Bluetooth. If you add a new vehicle to your policy, you will be prompted to link it. The setup process will be similar to what you completed when you first purchased your policy.

📉 What happens if my driving gets worse for a bit? Will my rate spike?

If you're on Novo Flex, your rate updates monthly — so yeah, better driving = better pricing. But don’t worry, one rough week won’t ruin you. Safer habits over time help your score bounce back.

📄 Can I switch between plans?

Yes. After each 6-month policy period, you can choose a new plan that fits your style better. Novo Flex, Next, or Classic — it’s your call.

🚪 Can I cancel or switch anytime if I don’t like it?

You bet. Novo policies are month-to-month or 6-months depending on your plan. You can cancel or switch at renewal. And if you’re on Flex, you’ve got the most flexibility of all.

🛡️ What kind of coverage does Novo offer?

Novo provides standard auto insurance coverages, including: • Liability Coverage: Covers bodily injury and property damage to others if you're at fault in an accident. • Collision Coverage: Pays for damages to your vehicle from collisions, regardless of fault. • Comprehensive Coverage: Protects against non-collision-related incidents like theft, vandalism, or natural disasters.