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