Root car insurance coverage
Root offers a suite of car insurance coverage options to drivers who exhibit good driving behaviors during the three-week test-drive period. These are the coverage options you can find with Root car insurance:[2]
Bodily injury liability coverage: If you cause an accident, this pays for the medical costs of the others involved. It’s illegal to drive without this coverage in nearly every state.
Property damage liability coverage: If you cause an accident, this coverage pays to repair the damages you caused to another vehicle or other property. Although it’s illegal to drive without this coverage, your own vehicle repair costs aren’t covered.
Collision coverage: If you cause an accident, collision coverage pays to repair or replace your vehicle. Paying for collision coverage will add to your premiums, but you won’t have to pay completely out of pocket for repairs.
Comprehensive coverage: If your vehicle is stolen or damaged by something other than an accident, this will pay for the replacement or repairs. Comprehensive coverage will add to your insurance costs, but it covers events like vandalism and extreme weather.
Rental coverage: After an accident, this coverage helps pay for a rental vehicle to get around while your vehicle gets repaired. If you don’t want to deal with a rental car, you can get reimbursed for Lyft rides while your car is repaired.
Uninsured motorist property damage (UMPD) coverage: Drivers are required to carry UMPD in eight states. If you get in an accident with an uninsured driver, this policy kicks in to cover your damages.
Personal injury protection (PIP) coverage: Seventeen states require PIP coverage, and it covers your and your passenger’s medical expenses and lost wages from an accident.
Medical payments (MedPay) coverage: Similar to PIP coverage, eight states require MedPay coverage, and it pays for the medical bills for injuries from an accident. It covers both the driver and any passengers involved in the accident.
Uninsured and underinsured motorist bodily injury: If someone who doesn’t have insurance or enough insurance injures you in an accident, this coverage will help pay for your medical expenses.
Roadside assistance: Roadside assistance is included with every Root policy. You’ll have coverage for three incidents of up to $100 per vehicle per policy term. If you need a jump start or a tow truck, this coverage should help you out.
Good to know
About 13% of American motorists drive without insurance, even though 49 states require at least a minimum level of liability coverage.[3]
How to get a Root car insurance quote
Getting a car insurance quote from Root is a bit more involved than most insurance companies. Root requires prospective customers to complete a test-drive as a part of the quote process. You’ll need to download the Root app and drive around with your phone in your car for a few weeks.
After Root has gathered enough information about your driving habits, Root may send you a quote. But if your driving isn’t as good as it could be, Root might deny you coverage.
Every car insurance company uses its own underwriting process to determine coverage eligibility and premiums. While Root puts the most emphasis on your driving behavior, it also factors in your age, marital status, gender, vehicle type, and more.
With so many factors at play, it’s helpful to compare quotes across multiple insurance companies. You can compare quotes through Insurify’s quote-comparison tool by starting with your ZIP code. A quick search allows you to compare Root’s premiums to those from other companies.
Learn More: How to Compare Car Insurance Rates
Root auto insurance rates by driving history
Like other auto insurance companies, Root considers your driving record when determining monthly premiums. Drivers with a clean driving record tend to pay less than risky drivers with violations and accidents on their record.[4]
For example, Root policyholders with an at-fault accident on their record tend to pay more than drivers with a clean record.
Driving Record | Average Monthly Cost |
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Clean record | $129 |
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DUI | $131 |
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Ticket | $161 |
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At-fault accident | $161 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Root car insurance cost by age
Younger drivers with less experience on the road tend to have more accidents than older drivers. When determining premiums, insurance companies tend to charge higher premiums to younger drivers.[4] Older drivers can typically lock in a lower rate.
For example, teenage Root drivers pay an average of $240 per month. After turning 25, average monthly premiums for Root drivers drop significantly.
Age | Average Monthly Cost |
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Younger than 20 | $240 |
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25 | $128 |
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30s | $126 |
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40s | $132 |
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50s | $132 |
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60s | $116 |
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70s | $114 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Check Out: Best Cheap Car Insurance for Young Adults
Root car insurance discounts
Discounts offer a way to lower the total cost of your car insurance premiums. Root incorporates several discounts into its policies:
Safe driver discount: Root only works with drivers it deems as “safe,” which means your safe driver savings are incorporated directly into your quote.
Payment discount: If you opt to pay for your Root policy up front, you can unlock a discount. Ask for this option before making your payment.
Usage-based discount: Root incorporates your usage-based discount after collecting information about your driving habits during the test-drive. You won’t have to ask for this money-saving opportunity.[5]
Root Insurance bundling options
In addition to car insurance, Root offers renters and homeowners coverage. If you bundle either with your car insurance policy, Root offers a discount. But the exact details of and eligibility for Root’s bundling discount will vary among policies.[5]
See Also: Compare Home and Auto Insurance Bundles (2022)