Community-Powered Auto Protection

Tired of Overpaying for Auto Protection?
We've Got You.

One Llama is a community-based alternative to traditional collision and comprehensive protection. Fixed rates. No surprise hikes. Real people looking out for each other.

Collision + comprehensive Starting at $350/plan Community-backed

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$350
Plans starting at $350
5 Plans
Gem to Platinum
24/7
Claims support
50%+
Average savings

Auto Protection is Broken

If any of this sounds familiar, you're not alone.

Rates Keep Going Up

You've been a safe driver for years but your premium still climbs every renewal. No explanation, just a bigger bill.

Claims Feel Like a Fight

When something happens, the process is confusing, slow, and feels designed to pay out as little as possible.

You're Just a Number

Big insurers don't know your name. You're a policy number in a database, not a person they care about.

What Makes One Llama Different

A smarter, community-first approach to vehicle protection.

Fixed Low Rates

Plans starting at $350. No surprise hikes, no hidden fees. What you see is what you pay.

Collision + Comprehensive

Covered for accidents, theft, vandalism, weather damage, and more. Multiple tiers to fit your needs.

Safe Driver Cashback

Drive safe and earn cashback on your contributions. Your good driving actually pays off.

Glass Protection

Windshield repair or replacement included with every plan. No separate deductible needed.

How It Works

Three simple steps to get protected.

1
Join the Waitlist

Drop your name and email. Takes 30 seconds. No payment, no commitment.

2
We Reach Out

Our team reviews your info and reaches out to walk you through everything.

3
Get Protected

Pick your plan, complete registration, and start enjoying real protection from a community that has your back.

One Llama vs. Traditional Insurance

See why members are making the switch.

Feature One Llama Traditional
Fixed rates (no surprise hikes)
Safe driver cashback
Glass protection included
Community-backed model
24/7 claims support
Rideshare driver friendly

Frequently Asked Questions

Got questions? We've got answers.

One Llama is a community-based vehicle protection program, not traditional insurance. We pool contributions from members to cover collision and comprehensive claims. You still need your state-required liability protection from a licensed insurer.

One Llama covers collision damage (accidents), comprehensive damage (theft, vandalism, weather, animals), and windshield/glass damage. Protection levels vary depending on your plan tier.

Plans start at $350 per plan. We offer Gem, Bronze, Silver, Gold, and Platinum tiers with increasing protection limits. Most members save 50% or more compared to adding collision/comprehensive to their traditional policy.

Yes. You must maintain active liability protection as required by your state. One Llama replaces the collision and comprehensive portion of your policy, which is where most of the cost is. Many members drop those from their insurer and save significantly.

Our team will review your submission and reach out. We'll answer any questions, help you pick the right plan, and guide you through the quick registration process. No pressure, no obligation.

Ready to Stop Overpaying?

Join the waitlist now. It takes 30 seconds and could save you hundreds every year.

Join the Waitlist