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How do customers rate Root Insurance?

are likely to renew their policy
are likely to renew their policy
are likely to renew their policy

Root Insurance: Compare Ratings, Coverage & Discounts in 2021

Root was founded on the belief that insurance is a broken industry and set out to reimagine it.

Root started by tackling the traditional auto insurance industry, doing away with archaic car insurance practices. Unlike traditional auto insurance companies that base rates on demographics, like age, credit score, or marital status, Root uses the power of technology to base rates primarily on driving habits. As a result, good drivers can save hundreds. And the entire Root experience lives in the simple and easy-to-use.

Root also offers renters insurance. Conveniently located in the Root Insurance app, you can get affordable and hassle-free coverage to protect your property and yourself with just a few taps. Renters quotes start at just $6/month when bundled with Root car insurance.

What is Mobile-Based Insurance?

Root Auto Insurance is completely mobile. In order to see quotes, what types of insurance they offer, and their auto insurance requirements, you have to use their mobile app, which is available for Apple and Android devices. Mobile-based insurance like this is not the same as usage-based insurance. Usage-based insurance companies track how much you drive in order to calculate your rates; Root looks at how you drive.

All you have to do is download the Root Insurance app on your smartphone to get started and you're already on your way to cheap car insurance. You will leave the app running in the background with your phone in your vehicle and complete a test drive. That is how the company offers insurance to drivers, by monitoring their driving behavior to see how much of a risk they pose based on their mobile technology that calculates a driving score (based on multiple factors).

The score you get allows them to see what auto insurance coverage you qualify for and then they will provide you with your auto insurance quote. You can purchase Root Insurance policies right from the app from start to finish, including filling out forms and signing all of your policy documents. Their process is much more streamlined than that of other insurance providers.

Once you have a car insurance policy, you can view your insurance card, add drivers and cars, customize your coverage, request Roadside Assistance (included in every policy), and submit any claims all in the app.

Renters coverage is also available from the company and you will have the option to add that coverage from your phone as well. With just a few taps, you can choose the coverage plan that best fits your needs and budget, and you can easily add your landlord to your policy. You can then make payments and find all of your policy information quickly and conveniently in the app.

Root is growing quickly and it won't be long before it completely revolutionizes the way we view traditional insurance. If your state is not yet offering Root, you can go to joinroot.com/availability, provide your name and email, and you will receive a notification when Root is available in your area.

What exclusive benefits and discounts does Root offer?

Lyft on Us Program: Three holidays a year, Root Insurance sends policyholders Lyft credits for free rides.* (Holidays are more fun when you don’t have to drive.)

Referral Program: When you create an account with Root, you get a personalized referral link to share it's Root's way of saying thanks. Once each friend takes their test drive and gets a quote, you both get a cash bonus offer. You can earn up to $1,000.*

Safe Driving Discount: By basing rates primarily on how people drive, Root saves good drivers hundreds on their insurance premiums.*

Tesla® Autopilot Discount: Self-driving cars crash less, so auto insurance rates should be adjusted to reflect the reduced number of claims. Root is the only company in the industry currently offering this kind of discount on their policies.

*Not available in all states

Root’s FAQs

What if I’m a bad driver?

Root isn't the right fit for everyone. Our models don't work with every situation, so we may not offer you a quote after the test drive. That just means you could save more with another carrier, and we don't want to stand in the way of your saving money.

What qualifies me as a good driver?

Braking, speed, turns, times of day, miles driven, and driving routes are all considered when calculating your quote. You basically just need to follow the rules of the road and be mindful of other drivers when you're behind the wheel.

How will I know I’ll save money with Root? How much can I really save?

You won't know until you do the test drive it depends on your driving skills and habits but many of our customers have saved hundreds off their previous rate. Only one way to find out.

Before making any final decisions on your insurance company, it is important to learn as much as you can about your local insurance providers, and the coverages they offer. Call your local insurance agent to clear up any questions that you might have. Questions to consider asking include, "What is the best coverage plan for me/my family/my situation?" "What are the minimum coverage requirements in my state and what form of coverage do you recommend?" "Do you guys offer any bundle discounts if I take out both my auto insurance and home insurance with you?" and "What is the average rate of insurance quotes you guys offer?"

Before making any big insurance decisions, use our free tool to compare insurance quotes near you. It's simple, just plug in your zip code and we'll do the rest!

What states does Root Insurance do business in?

Root Insurance sells car insurance in 31 states, homeowners insurance in 18 states and renters insurance in 8 states. See the state Root Insurance sells in below and click the link to see how Root Insurance compares to the other top companies in that state.

Free app available for Android and iPhone.

California

Indiana

Louisiana

Maryland

Mississippi

Montana

New Mexico

North Dakota

South Carolina

Virginia

West Virginia

Wisconsin



Root Insurance mission

What is the Root Insurance mission?

The insurance industry is broken. We're here to fix it. Root is using data and technology to reimagine the everyday services people need so that they serve them better. We use the Root App to rate drivers based on how they actually drive not just their demographics. By not insuring bad drivers, Root is able to save good drivers hundreds on their policies. Root also offers renters policies, providing seamless, affordable coverage in the easy-to-use Root app.

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