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The Complete Guide to Insurance App Design: User Satisfaction and Product Growth

8 min read

In this guide, we’d like to walk you through how to design an insurance app: process, cost, and challenges. This article is ideal for startup founders, serial entrepreneurs, or product managers.

We will answer the following:

  • What makes the insurance app design process unique?
  • What challenges arise in the design process?
  • What steps does insurance app design include?
  • How much does it cost to design an insurance app?
  • And more!

Let’s get right into more details of the article.

What Differentiates Insurance App Design from Others?

Insurance applications deal with sensitive data of all kinds. Therefore, app design must ensure that functions that use these types of data, including personal and financial, are simple, straightforward, and secure to work with.

Both User Experience design and User Interface design should address potential usage issues before they arise. In addition, they must be engaging enough to make the product viral and appealing to new users.

In this sense, the design of InsurTech products is similar to healthcare and FinTech app design.

Let’s take a look at a few challenges so that we know exactly what we’re talking about.

Challenge 1. Make the App Accessible

Overall, the accessible design is based on the principles we discussed above: simple and straightforward interactions that lead to predictable application feedback.

In the case of insurance app design, we need to make sure that accessibility is a leading design factor in general and in particular.

And the particular case is about designing disability-friendly features that provide easy access to the app’s functions.

An example of an insurance application with impressive accessible features is Geico Mobile.

Here’s a checklist of tips to improve accessibility on an insurance mobile application:

  • Have a well-laid-out onboarding process,
  • Highlight using bold fonts, pop-ups, or notifications for important instructions,
  • Add information pop-ups,
  • Implement a text-to-audio feature, and so on.
The illustration shows one of the tasks that must be done when designing an insurance application, namely the accessibility of the application

Another challenge to surmount is making the application safe for users and insurance agents.

Let’s discuss this.

Challenge 2. Make the App Safe

An insurance app development process should involve the creation of numerous security-enhancing features for both agents and consumers.

Security practices to safeguard insurance apps include:

  • Secure coding,
  • Encrypted communication between the app and the server,
  • Inclusion of frontier security features. E.g, iPhone fingerprint authorization,
  • And so on.

The aim of Insurtech application design should be to show users that sensitive information uploaded on the app is safe.

A great way to ensure this is via information pop-ups detailing how information is gathered and used. A page may also be dedicated to this.

An insurance application with top-notch safety designs is Jerry.

The illustration shows the second task that must be done in the design of the insurance application, namely, compliance with the security of the application

Another challenge to surmount is designing the UX in a way that ensures users make sound decisions fast.

Let’s delve right into that.

Challenge 3. Help Users Make Sound Decisions

Your insurance app’s interface should include features to help users make decisions that can provide an optimum experience. Here’s what we mean.

Assuming you own a goods-in-transit insurance app for eCommerce startups, you could add a feature that educates users with tips for transporting perishable items.

A perfect case study for this is Allstate Mobile. It’s an insurance application that provides driving tips, and also rewards users with up to a 25% refund for safe behavior.

An example of a platform with multiple tips to help users is Esurance Mobile.

Things to include in your insurance app to help the insured make great decisions are:

  • Rewards for safe practices,
  • AR to show escape routes in the advent of a disaster,
  • In-app parking locator,
  • Social media behavioral tracker, and so on.
This picture describes the third task that needs to be done when designing an insurance app, which is to help users make informed decisions

Now that you know the core challenges for insurance app design to surmount, let’s discuss the design process of insurance mobile apps.

How to Design an Insurance Application?

Regardless of the type of insurance application, target market, or audience, the app design process should include the following steps:

  • Design mapping
  • User experience or UX design
  • User interface or UI design

Let’s take a look at the details of each step.

Step 1. Plan the Insurance App Design Process

The team must have a good overview of the mobile app development process before you begin.

As such the mobile app UI/UX designer should create a mind map for the solution, outline prospective features, and estimate the timeframe for project completion.

Here’s a checklist of tasks involved in this phase:

  • Mindmap
  • Feature outline
  • Timeframe and cost-estimate

Let’s help you understand each point in detail.

1. Mind Mapping

Here, the UI/UX designer creates a diagrammatic representation of the app’s user experience and structure.

This process helps to break down the founder’s idea and identify the most ideal components to include on specific pages within the app.

Doing this helps the designer to understand the idea better and how best to produce the design.

2. Identify Relevant Features

Once the designer has a good overview of the idea, he or she in conjunction with the project manager begins to identify relevant features expected by the founder, and the ones essential to ensure the process functions optimally.

The features added in the design must ensure the app is accessible, guarantee security, and guides them to make optimum decisions.

3. Timeframe and cost estimate

The time frame for the project is primarily influenced by the complexity, features, number of pages and the tools employed in the product design process.

This in turn determines the cost of design, as the price is directly proportional to the time expended on the project.

Illustration shows the first step of insurance application design, denoting the planning of the insurance application development process

Once the design process is planned, the User Experience design begins.

Step 2. Insurance UX Design

The user experience design is in charge of how the app will work. In other words, what experience will the user receive using an insurance app?

In this step, the team visualizes the founder’s ideas about how the app should work and the value it should provide to customers.

The UX design stage takes up 70% of the UI/UX process, thus, designers spend the greatest amount of time here. Steps in UX design:

  • Designing low-fidelity wireframes
  • Designing high-fidelity prototypes

Let’s give a succinct explanation of the steps involved here.

Although mind mapping is a foundational step here, since it has been executed in the planning stage to have a better overview of the process, we’ll jump to other steps.

1. Create Low-fidelity Wireframes

Often to design a low-fidelity wireframe, teams use paper.

A paper-based wireframe is a technique that’s centered around creating hand drawings of different app screens to represent the product’s interfaces.

It’s advisable to start here as it’s easy to refine the design and make adjustments made by other team members.

But it’s also fine if the team will use tools like Balsamiq. Once this step is done, let’s move to make prototypes of the insurance app more detailed.

2. Create High-fidelity Prototypes

Here, mockups made in low-fidelity prototypes are redrawn using design tools like Figma or Adobe XD to ensure they appear and function similarly to the expected delivery.

High-fidelity prototypes are interactive designs that allow founders to have a first-hand feel of the features in the design.

It gives the founder a close resemblance of what to expect in the overall deliverable.

This picture describes the next step of application design for insurance, denoting insurance UX-design

Once the UX designs are created, the next step is developing a design for the interface. Let’s also discuss.

Step 3. User Interface Design for the Insurance Application

The user interface design is the rendering of your UX prototypes into the final look of the application.

The insurance app’s UI stands for colors, fonts, icons, animations, and everything else of the visual component of the design.

Sometimes you may hear the opinion that UI is less important than UX. However, UI is about engaging users and forming emotional connections between the user and the product.

Thus, a well-done UI is directly related to achieving the insurance app’s business goals.

Let’s talk about the colors of the app, for example. The right use of color palettes in UI kits compliments user experience efforts by giving hints on features.

Cold colors like green, violet, indigo, and blue are associated with trust and confidence. Also, green is mostly associated with nature and healthcare so it might be a great UI color for a health insurance app.

The lack of suggestive colors in your design may leave end-users confused, and find your insurance product undesirable.

Bright colors in interfaces can enhance user experience, which can make boring Insurtech niches like life insurance more appealing. There are tons of references and ideas for Insurtech UI styles on Behance and Dribbble.

The illustration shows the final step in insurance application design, denoting the design of the UJ for the insurance application

Now that you’re more knowledgeable on the steps to create an Insurtech UI/UX design that stands out, let’s discuss its cost implications.

The Cost of Insurance Mobile App Design

Insurance application design cost ranges from $4,000 to $8,000.

However, for an exact estimate of the cost of designing an application in the insurance field, then you’ll have to consider several factors.

These include the complexity of the app, the type of team, and the location of the team. Let’s discuss each of these points.

The Complexity of the Mobile Application

The complexity of the insurance mobile applications refers to the set of functions, entities, and user roles inherent in the app.

Basically, the more the use cases are covered in the UX/UI design, the more complexity.

And since very complex designs will logically require more time to develop, they cost more than basic designs.

For example, design for a car insurance application with AR, voice-to-text, and other high-end features will cost more than the same application with fewer features.

Below is a spreadsheet showing cost based on complexity.

Complexity Level Average cost, $
Basic 4,000
Average 7,000
Complex 10,000

The team type is another cost-influencing factor to consider. Let’s dig into that.

The Type of Team

Let’s see how much it takes to create the UI/UX design for an insurance app using different teams.

Type  Average cost, $
In-house, US 10,000
Local Development Company, US 15,000
Freelance 2,000
Outsource, Ukraine 6,000

Beyond team type, another factor to consider is location. Let’s discuss this in detail.

The Team’s Location

Below are some top destinations for outsourcing UI/UX designers.

The cost estimate in the spreadsheet below is for a full-month, 160 hours design project.

Type  Average cost, $
Australia 16,000
The USA 18,000
The UK 15,000
Western Europe 12,000
Eastern Europe 5,600
South Asia 2,000

Outsourcing from each of those countries has its pros and cons.

As seen in the spreadsheet above, hiring a team of designers domiciled in the US would require an exorbitant amount. The same goes for UI/UX designers in Australia, The UK, and Western Europe.

The illustration shows the cost of designing a mobile insurance app, depending on certain factors

However, South Asia, albeit the cheapest on the list, is known for poor quality. For the best designs at cost-efficient prices, it’s advisable to outsource from Eastern Europe.

Looking for a designer for a new InsurTech product?

If you’d like to create UI/UX for the cross-platform, Android app or iOS app of your insurance company or startup, then contact us for a precise guide to help you navigate the process.

Spdload has designed a prominent insurance platform – take a look at this Benahce case study. Or you can take a glance at our portfolio of mobile applications, SaaS, and website designs we’ve designed and built.

Interested to design a new insurance application?

Contact us now. We would be happy to share our experience in developing applications to create the disruptive innovation in InsurTech.

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