With smartphones, you can now communicate, bank, conduct business, and enjoy entertainment from anywhere at any time. Mobile insurance plans have become more important than ever, with high-end devices such as the iPhone 17 Pro Max and Samsung Galaxy S25 Ultra costing over $1,000.
A range of mobile insurance plans are available in the US, including coverage for theft, water damage, accidental damage, and even a total replacement. But how do you decide which plan is right for you?
You can use this guide to pick the best mobile insurance plans for 2025, comparing coverage, pricing, and benefits.
Why You Need Mobile Insurance in the USA
- High Replacement Costs: A new flagship smartphone can cost over $1,200.
- Accidents Happen: Screen repairs alone can cost $300 to $500.
- Theft Rates: There is a high rate of theft of smartphones in the USA.
- Peace of Mind: Insurance provides quick replacement or repair at little or no cost to you.
Top Mobile Insurance Providers in the USA
1. AppleCare+
- Best For: iPhone users.
- Coverage:
- The number of accidents is two per year (every 12 months).
- Repaired screens and back glasses.
- Battery service.
- Loss and theft (with AppleCare+ Loss and Theft).
- Pricing: $9.99 – $13.49/month (depending on model). Add-on for theft & loss: $2 to $3 a month.
- Support from Apple directly, genuine parts, convenient repairs at Apple Stores.
- Only available for Apple devices.
2. Samsung Care+
- Best For: Samsung Galaxy users.
- Coverage:
- Screen cracks, liquid damage, and mechanical failure.
- Theft and loss (optional).
- Up to 3 claims in 12 months.
- Cost: $8 – $15 per month (based on device).
- Coverage for Samsung tablets, watches, and foldables.
- Compared to AppleCare, there are fewer repair locations.
3. Asurion (via Verizon, AT&T, T-Mobile)
- Best For: Carrier-based protection.
- Coverage:
- Accidental damage, theft, loss, malfunction.
- Same-day replacement in some cities.
- Tech support included.
- Each device costs $12 – $18 a month. We offer family plans.
- The pros include carrier billing and fast replacements.
- The deductibles can be high ($99 – $249).
4. SquareTrade (by Allstate)
- Best For: Affordable third-party coverage.
- Coverage:
- Accidental damage.
- Drops, spills, hardware failures.
- Theft/loss (add-on).
- The cost is $8.99/month or $89/year.
- Pros: Compatible with multiple brands. Carriers are more expensive.
- Cons: Doesn’t always cover theft without add-ons.
5. Geek Squad Protection (Best Buy)
- Best For: Phones purchased at Best Buy.
- Coverage:
- Mechanical failures.
- Accidental damage.
- Battery replacement.
- Cost: $8–$12/month.
- Pros: In-store support, easy repairs.
- Cons: Only covers devices purchased at Best Buy.
6. Worth Ave Group
- Best For: Students and bulk insurance.
- Coverage:
- Natural disasters, theft, accidental damage, vandalism.
- Cost: $4–$10/month.
- Pros: Covers multiple devices (phones, laptops, tablets).
- Cons: The claim process can be slower.
Comparison Table – Mobile Insurance Plans USA
| Provider | Monthly Cost | Covers Theft/Loss? | Repair/Replacement | Best For |
|---|---|---|---|---|
| AppleCare+ | $9.99–$13.49 | Yes (add-on) | Apple Store same-day | iPhone users |
| Samsung Care+ | $8–$15 | Optional | Samsung Service Centers | Samsung users |
| Asurion (Carriers) | $12–$18 | Yes | Same-day via carriers | Carrier customers |
| SquareTrade | $8.99 | Optional | Mail-in / partner stores | Budget users |
| Geek Squad | $8–$12 | No | Best Buy stores | Best Buy buyers |
| Worth Ave Group | $4–$10 | Yes | Replacement via claim | Students, multi-device users |
How to Choose the Best Mobile Insurance in the USA
Consider these factors when choosing a plan:
- AppleCare+ offers the best coverage for iPhones, and Samsung Care+ offers the best coverage for Galaxy devices.
- Would you like theft/loss coverage or just damage coverage?
- Plans range from $5 to $18 per month.
- Asurion works through carriers, unlike Apple and Samsung.
- Family plans are available through carriers or Worth Ave Group.
Pros & Cons of Mobile Insurance
Pros
- Reduces the cost of repair and replacement.
- Makes you feel at ease.
- Accidents, spills, thefts, and losses are covered.
- For urgent needs, quick replacements are available.
Cons
- Fees add up over time.
- There can be a high deductible.
- For low-value devices, this is not always necessary.
FAQs – Mobile Insurance in the USA
Q1: Is mobile insurance worth it in the USA?
You should especially if you own a Samsung Galaxy flagship or an iPhone.
Q2: Does AppleCare+ cover theft?
Yes, but only with AppleCare+ Theft & Loss.
Q3: What is the cheapest mobile insurance in the USA?
Plan prices under $10 are offered by Worth Ave Group and SquareTrade.
Q4: Can I insure a used phone?
Yes, but coverage depends on your provider. Often, SquareTrade and Worth Avenue accept used devices.
Q5: Which is better, carrier insurance or manufacturer insurance?
Many manufacturers provide better parts and support through their insurance programs (AppleCare+, Samsung Care+). Multiple devices are more flexible with carrier insurance (Asurion).
Conclusion
Mobile insurance plans in the USA are based on your device, budget, and lifestyle. iPhone users should consider AppleCare+ with Theft and Loss. Samsung Care+ is suitable for Samsung fans, while SquareTrade and Worth Ave Group are suitable for budget-conscious users.
Verizon, AT&T, and T-Mobile all offer Asurion services with fast replacements and bundled billing.
It’s all about peace of mind when it comes to protecting your smartphone from life’s unexpected hiccups.
