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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
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Updated
Category | Average Score |
|---|---|
| Overall experience rating | 3.4 |
| Customer service | 2.5 |
| Value | 2.8 |
| Claims handling | 3.2 |
| Coverage options | 3.2 |
| Discounts | 2.6 |
| Policy transparency | 3.1 |
| Policy flexibility | 3.1 |
Root overall user rating: 3.4 out of 5
Insurify Quality (IQ) Score for Root: 7.9 out of 10
NAIC complaint index: 1.90 (Above average)
Average monthly full-coverage premium from Root: $180
Insurify gives Root a quality score of 7.9/10. Overall, Root has mixed reviews from Insurify’s customers with coverage from the insurer, with a range of negative and positive sentiments.
Satisfied Root customers make note of the company’s convenient digital experience, potential for discounts, and easily accessible information through the mobile app. But other policyholders have a hard time receiving customer support, are disappointed by discount expectations, and have confusion around policy changes.
Root has an overall customer service rating of 2.5 out of 5 from Insurify’s customers with coverage from the insurance company.
Root has a rating of 2.5 out of 5 for customer service. Positive reviews appreciate the convenience of Root’s mobile app for low-friction service and ease of completing straightforward tasks. Negative reviews mention slow response times and difficulty reaching human support.
Below, you can read real reviews from Insurify’s customers with coverage from Root below.
Root has a customer service rating of 2.5 out of 5, ranking below State Farm and USAA. Insurify customers gave ratings of 4.4 out of 5 for State Farm and 4.9 out of 5 for USAA.
State Farm has a higher customer service rating than Root, with customers highlighting experiences with proactive agents. USAA has a higher rating than Root and State Farm, with customers reporting reliable and helpful support.
You can see how Insurify customers rated these three insurers for customer service below.
Company | Average Score |
|---|---|
| Root | 2.5 |
| State Farm | 4.4 |
| USAA | 4.9 |
Insurify’s customers with car insurance from Root gave the insurer a rating of 2.6 out of 5 for discount availability. Satisfied customers describe competitive initial pricing and appealing driving-based insurance costs. Unhappy policyholders cite earning less substantial discounts than expected and savings that decrease over time.
Take a look at real reviews about discount availability from Root customers below.
Root customers gave the insurer a discount availability rating of 2.6 out of 5, earning a rating below State Farm and USAA. State Farm has a discount availability rating of 3.9 out of 5, and USAA has a rating of 4.9 out of 5.
USAA has a higher ranking than Root and State Farm for discount availability, with many positive reviews citing fair car insurance prices. State Farm ranks higher than Root, with happy customers citing great experiences with agents.
You can compare discount availability ratings for Root, State Farm, and USAA in the chart below.
Company | Average Score |
|---|---|
| Root | 2.6 |
| State Farm | 3.9 |
| USAA | 4.9 |
Insurify’s customers with a policy from Root gave the insurer a claims handling rating of 3.2 out of 5. Positive reviews describe efficient and straightforward claims handling and appreciation for Root’s roadside and towing services.
Read reviews about Root’s claims handling from real Insurify customers below.
Root has a claims handling rating of 3.2 out of 5, which is lower than the ratings for State Farm and USAA. State Farm has a rating of 4.1 out of 5, and USAA earned a rating of 4.9 out of 5.
USAA has a higher claims ranking than Root and State Farm, with many customers citing a professionally handled process and expressing satisfaction with their claims outcomes. State Farm ranks lower than USAA but higher than State Farm, with some policyholders highlighting seamless claims handling through their local agents.
Here’s how customer ratings of the three insurance companies compare for claims handling.
Company | Average Score |
|---|---|
| Root | 3.2 |
| State Farm | 4.1 |
| USAA | 4.9 |
Root has a value-for-money rating of 2.8 out of 5. Some customers with low rates feel that the basic coverage is worth the price. But others highlighted unpredictable pricing, with increases around renewal time.
Learn how real Root customers feel about the insurer’s value for money below.
Root’s value-for-money rating from customers is 2.8 out of 5, falling below both USAA and State Farm. Insurify customers gave average ratings of 4.9 out of 5 for USAA and 3.7 out of 5 for State Farm.
USAA has a much higher rating than Root and State Farm, and it has many long-term customers who are satisfied with the value of their coverage. State Farm scores higher than Root, with some customers reporting having agents who help them optimize coverage and insurance costs.
Compare value-for-money ratings for these three insurance companies below.
Company | Average Score |
|---|---|
| Root | 2.8 |
| State Farm | 3.7 |
| USAA | 4.9 |
Insurify’s customers with Root auto policies gave the insurer a rating of 3.1 out of 5 for policy transparency. Positive reviews point to how Root’s mobile app makes policy information easy to access. But some unhappy customers feel that Root doesn’t always explain policy and pricing changes.
Here are real reviews about policy transparency from Root auto insurance customers.
Root has a rating of 3.1 out of 5 for policy transparency, ranking lower than State Farm and USAA. State Farm has a score of 3.9 out of 5, while USAA has a rating of 4.9 out of 5.
USAA has a higher rating than Root and State Farm, with customers praising clear communication and a belief that the insurer is a fair company. State Farm scores higher than Root, with many policyholders describing local agents who talked them through coverage and renewal changes.
See how policy transparency ratings for the three companies compare below.
Company | Average Score |
|---|---|
| Root | 3.1 |
| State Farm | 3.9 |
| USAA | 4.9 |
You can read more than 1,585 Root reviews written by real Insurify customers during the last 12 months.
Overall, Root customers have mixed ratings for the company. The auto insurer serves as a usage-based insurance alternative that offers high-quality basic coverage at a competitive price compared to more traditional competitors like State Farm and USAA.
Below, you can see how Root compares to top car insurance companies.
 |  |  |  |  |  |
|---|---|---|---|---|---|
Average price $146/mo* | Average price $78/mo* | Average price $77/mo* | Average price $125/mo* | Average price $112/mo* | Average price $105/mo* |
Overall rating | Overall rating | Overall rating | Overall rating | Overall rating | Overall rating |
Value for money | Value for money | Value for money | Value for money | Value for money | Value for money |
Customer service | Customer service | Customer service | Customer service | Customer service | Customer service |
Claims handling | Claims handling | Claims handling | Claims handling | Claims handling | Claims handling |
Special highlight Usage-based insuranceAI-generated from 1585 user reviews | Special highlight Customer serviceAI-generated from 21056 user reviews | Special highlight Members of the military communityAI-generated from 4292 user reviews | Special highlight Accident forgivenessAI-generated from 12239 user reviews | Special highlight Teen driversAI-generated from 20669 user reviews | Special highlight Competitive ratesAI-generated from 24360 user reviews |
Insurify collects reviews from users on its platform who have successfully compared quotes, as well as users who have purchased a policy through Insurify.
These users complete an optional survey that asks them to review their experience with their current insurance company and rate the company on factors like customer service, claims handling, coverage availability, discounts, policy flexibility, policy transparency, and value for money. These ratings and reviews are then compiled and cleaned by our data team to bring you company-level insights from over 85,000 Insurify users.
)
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
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