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 2020

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

Root started by tackling the archaic car insurance industry. Unlike traditional car insurance companies that base rates on demographics, like age or marital status, Root uses smartphone technology to base rates primarily on driving behavior. As a result, good drivers save up to 52%. And the entire Root experience lives in the simple and easy to use

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

Mobile-Based Insurance

Download the Root app to get started. 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 a claim—all in the app.

Renters insurance is also located in the Root app. 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. If your state is not yet offering Root, you can go to, provide your name and email, and get notified when Root is available in your area.

Exclusive Benefits and Discounts

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 up to 52%.*

Tesla® Autopilot Discount: Self-driving cars crash less, so insurance rates should be adjusted. Root is the only company in the industry currently offering this kind of discount.

*Not available in all states

What states does Root Insurance do business in?

Root Insurance sells car insurance in 30 states, homeowners insurance in 13 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.

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 up to 52% on their car insurance. Root also offers renters insurance, providing seamless, affordable coverage in the easy-to-use Root app.

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 52% (or more) off their previous rate. Only one way to find out.