Revolutionizing auto protection through community and technology
Get auto protection for your vehicle
Choose your protection plan and join our mutual aid community.
One Llama operates on a pledge-based model where members support each other in times of need.
When an incident occurs, submit a claim, and access repairs through our trusted repair network.
Invite friends to join One Llama and earn 10% of their plan price. Drive safely, stay incident-free, and unlock cashback rewards at the end of your term.
One Llama saved me money and provided excellent support after my accident. Highly recommend!
Geovany Guerra, New York
I love the cash back rewards for safe driving! It makes me feel valued as a customer.
Brenda Whitaker, New Jersey
One Llama is great. Help us save money on my auto protection for collision and comprehensive. I highly recommend for everyone!
Atik Miah, Warren, MichiganAt One Llama, we believe auto protection should be transparent, affordable, and community based. But don't just take our word for it—hear it from the people who make our platform what it is.
This week, we sat down with Geovany Guerra, a One Llama member from New York, to talk about his experience, why he joined, and how mutual aid is changing the way he thinks about auto protection.
"I chose One Llama because of the founders and the product. I've known the founders for a long time; they are trustworthy people who work hard alongside their team to provide a quality service," Geovany Guerra says.
"They made me save money; I stopped paying the collision and comprehensive package from my liability provider and I've saved so much since I made that change. I recommend One Llama to everyone trying to save where they can."
Geovany started with a $350 plan and is now considering a higher price because of glass damage coverage. If someone breaks his windows, he doesn't have to pay $350 for the windshield. "It covers everything bumper to bumper, when my membership ends, I'll switch to the $500 plan."
"Six months ago, I signed up, within that time I got into an accident. I couldn't believe how quick the claims process was. They carefully walked me through the process, and I was quickly matched with a repair shop near me. The body shop did a great job."
"Now that I've had One Llama as a member for the past six months for one car, I plan to sign up two more cars. My experience has been so amazing that I am referring three of my family and friends to One Llama."
Want to join Geovany Guerra and dozens of others driving with peace of mind?
Join One Llama Today
Personal vehicles only, excluding commercial vehicles. Uber and Lyft drivers are accepted.
$100,000 or less.
20 years or younger Exception: GEM package allows older vehicles.
No more than 2 accidents in the past 12 months.
Note: All vehicles must meet these requirements to qualify for One Llama membership. Please ensure your vehicle meets these criteria before joining.
Pick a simple, 6-month plan that matches your budget and protection needs. Every package offers full incident protection and the flexibility of monthly or one-time payments.
Covers up to $9,000 in collision costs. Best for older or lower-value vehicles.
Covers up to $15,000 in collision costs. Great balance of value and protection.
Covers up to $25,000 in collision costs. Ideal for most everyday vehicles.
Covers up to $50,000 in collision costs. Strong protection for newer cars.
Covers up to $100,000 in collision costs. Maximum protection for high-value vehicles.
Protect your vehicle with trust, transparency, and the power of community.
From accidents to theft, natural disasters, and unexpected incidents.
Join a growing network of members who contribute together, creating a fair, transparent.
From accidents to theft, natural disasters, and unexpected incidents.
Join a growing network of members who contribute together, creating a fair, transparent.
We understand that collision and comprehensive coverage the most common questions to help you better understand our protection, claims process, and benefits. If you don’t find what you’re looking for, our support team is always ready to assist.
Is One Llama Auto Insurance?
No—One Llama is not an auto insurance provider. To join, you must already carry liability insurance from a licensed provider. One Llama offers a cost-effective alternative for collision and comprehensive protection.
What should I do if the police stop me?
Can I show them my One Llama plan? No, One Llama is not an auto insurance provider. In the U.S., drivers are legally required to have liability insurance. If stopped by law enforcement, you must present your liability insurance. One Llama focuses solely on Collision and Comprehensive protection. Therefore, you will need to obtain auto liability insurance from a licensed provider to legally drive in the U.S.
My car is worth more than $100,000. Will One Llama cover me?
Not all vehicles are eligible for One Llama membership. To qualify, vehicles must meet the following criteria:
What are the benefits of joining One Llama?
Members with no incidents can enjoy significant savings (estimated at 40% or more). In case of an incident, members receive help from the community support for car repairs. One Llama operates as a tech platform that facilitates this collective sharing for the collision and comprehensive protection.
How does One Llama work?
Upon signing up for a plan, 30% of your payment is allocated as a service fee, while the remaining 70% constitutes as the mutual aid portion to support other members. If you stay incident-free for a 6-month period, you could save an estimated 40% or more on your plan. When an incident incurs in the network, you would contribute to the repair cost from the mutual aid part of your plan. The most you would contribute per week is up to 10% of your pledge. In case of your own incident, you will incur a $1,000 out-of-pocket expense plus the rest of your pledge, the mutual aid part. The remaining repair cost would be contributed by the community.
How are my costs calculated? Are there different levels of protection?
One Llama offers five flexible and affordable plans tailored to meet varying needs and budgets:
How does One Llama ensure the quality of repairs?
One Llama has established a nationwide network of top-tier auto repair facilities which includes Maaco, Meineke and Carstar. We provide an industry-standard warranty along with specific workmanship guarantees.
What should I do if I have an incident?
In case of an incident, promptly report it to One Llama by calling 1-800-518-4155 and support@onellama.com. We will guide you through the necessary steps. Be sure to take photos of the incident, including all vehicles involved, and submit a sharing request to One Llama. Our third-party administrator (TPA) is 24/7.
How do I file a claim with One Llama?
To file a claim, report the incident to One Llama at 1-800-518-4155 as soon as possible. You'll need to provide details of the incident and any supporting documentation. Our team will guide you through the claims process to ensure you receive the necessary assistance.
What's the benefit when I invite my friends to join?
When you invite your friends, you earn 10% of their plan price. In addition, you can also earn additional commission indirectly. You earn referral cashback for each friend you successfully refer to the program. The more friends you refer, the more you can earn. If your friends join, and they are safe drivers, it can potentially increase the savings for all members at the end of the term.
One Llama is a new kind of auto protection platform. We are building the
largest network in the Auto Industry to support drivers in reducing protection costs.
We
partner with a nationwide professional repair network and replace expensive traditional
protection
with a fair, community-based model.
With One Llama, you can provide reliable protection at a lower cost. If an accident happens, you work with us for fast claims and repair support, or replacement.
Partner with us to provide quality repair services to our members nationwide
Expand your reach and connect with our growing community of protected drivers
Supply quality auto parts to our nationwide network of repair facilities
