Is Root A Good Insurance Company? Reviews From Over 1,577 Customers

Good insurance but a little pricey.

Getting expensive.

ROOT is great. Some people may find it frustrating that 99% of the interactions are strictly online through the app or email. Making changes to your policy is super easy in the app though. If multiple people drive one vehicle, all drivers must have the ROOT app downloaded for accurate data for your rate.

Easy to apply and get insurance.

Very expensive for liability coverage.

I think Root is great. It’s affordable and hasn’t given me any issues or reasons to switch.

Root is very simple to apply for with fast quotes.

I have not had to make a claim yet, but so far Root is okay.

Okay, but I think I've seen just as good or better prices elsewhere.

Good so far. I feel the pricing is above average.

So simple to sign up.

The cheapest insurance company I’ve found.

It's been a good experience so far!

Rates will more than likely double at renewal if you have any kind of claim at all.

Price too expensive.

It's okay, but like all insurance, especially car insurance, it is very expensive. I can see why people don't get insurance. Basic coverage is almost $200.00 a month, and if you have an accident that is not your fault, you still have to pay more, which is totally unfair. It can go up by a hundred more no matter where you go.

Good rate provided.

Make sure you have the VIN and everything in your hand when you do it. This was easy to set up, and they send you reminders when bills are due. Overall, easy to deal with.

I'd recommend it for my family.

I mean, it’s full coverage with a decent amount of coverage. It’s so expensive. So far, I haven’t had to file a claim, so I hope it’s worth it. I do like the mobile app. It’s super easy to navigate, and you don’t have to be tech-savvy to understand it.

Rates are cheap at first but constantly increase through no fault of your own. Higher rates compared to others.

Never had a problem in any category.

I rated them 4 for my six-month contract, but as soon as it was over, the price increased.

Good experience, nothing bad to say. My bill has been going down every year as well.

So far, I’m satisfied.

Root is a somewhat expensive insurance company that doesn’t take into consideration a tough month and cancels your policy within 2 weeks of being late.

Straight to the point, easy-to-use options, and it doesn't get much easier. Pricing is competitive. Good option.

Good but too expensive.

It was really easy to use.

Very good and cheap insurance.

Each renewal, my rates have increased. I’ve had no citations or claims. That’s why I shop for better rates every six months. I guess loyalty has no value anymore.

My rates doubled after a deer ran into my passenger door and totaled my car. I asked why, and they said it is the algorithms. I wish they had a one-time forgiveness program for deer incidents.

Quick rates and efficient coverage with a great helpful team!

Costs too much.

Great!

My experience was poor. They raised my insurance, and I’ve moved to Florida, so they said I have to wait 60 days to switch my insurance.

They would not give us a discount.

I haven't had insurance for very long. The coverage is good, but the payments are high.

It's simple and easy to get started, and a lot cheaper than what I had.

They are easy to deal with.

There should be better ways to contact a live agent. Also, they should offer better rates.

Very good, excellent price.

They offer very affordable rates.

It's good insurance.

Just priced too high after an accident.

Drive very well during your test drive so you can get the best deal.

Great!

Great experience with signing up!

Military discounts should be available with verification of membership.

They are all the same. They start out good and increase rates as soon as legally possible.

Life saver.

They charge excessively. I don't understand the correlation between the price of food and my car insurance.

All good.

The experience was pretty awesome with great customer service.

Great!

Good, but I would like to pay less monthly.

So far, it's good.

So far, I have nothing to complain about. It was really easy to sign up.

Very good.

It's too expensive.

It was alright until they increased the premium substantially. That is why I will change companies in June.

They raised my insurance by over $40.

Too expensive. I have never had a ticket, and they increased my insurance by $40. No thank you, I don't like it.

Recently switched to GEICO and I prefer them due to better pricing with more coverage for less than I was paying. Root has consistently increased rates with next to no actual coverage.

I've never spoken to anyone, and having comprehensive and collision coverage costs me $350 a month, which to me is expensive.

Rather highly priced. Considering getting quotes from other companies.

Too expensive for a high mileage vehicle.

I have been using Root for around 6 years and I didn’t love them and they were not the cheapest. But they were quick to start our policy when we bought a new car back in 2021. We had used them for just liability prior to 2021 and had no issues at all. I did feel the last 2 vehicles we had were on the high side as far as monthly price for our deductible. But most recently we reached out and started a new policy fully.

Awful, 10 out of 10 DO NOT RECOMMEND. The price keeps going up. $450 for liability on a car I don’t drive is insane. It’s concerning how much you are charging for just liability insurance.

No coverage in NYC.

I would say don't get insurance from Root. They charged my husband over $300 for liability. I now pay $75. For my full coverage, they were charging over $500 a month, totaling over $800 per month in insurance. Root Insurance overcharges; do not go with them. I now pay only $190 for both vehicles. Root should reconsider their pricing strategy.

Brand new but much cheaper.

They start out with a really good low rate, then increase by about $100 each renewal period.

After a year of insurance with them with no incidents or claims, they reviewed my older insurance claims and used that to increase my monthly rate by 300%. The last time I had a claim was in 2018. How is that fair?

Root is expensive.

Tips I would give a friend: only go with Root if you're okay with having your bill on auto-pay and if you're okay with not being able to make any kind of payment arrangements. You have to go through the app to pay your bill, etc., because they don’t handle that over the phone, which, in my opinion, defeats the purpose of having customer service to call because they can’t do anything to help you. They need much improvement. I would suggest to anyone to use Root Insurance as a last resort.

No transparency. My rate jumped $300 a month at policy renewal with no tickets or accidents. I would not recommend this company.

Root was okay. I stayed with them for a year. I found a cheaper insurance that did not include unnecessary things. I saved $77.00.

Looking for lower monthly rates for state minimum coverage.

If you need insurance quickly, it is good. But then my payments went way high. $148.00. I am working two jobs just to get by because everything is so expensive: gas, health insurance, car insurance, groceries.

Same thing I’ve had with Root, just cheaper.

This insurance is too expensive for the average person. I’m retired and on a fixed income and only wanted basic liability insurance. An increase of almost $200 to renew is outrageous!

Not happy. I'm an excellent driver with no accidents, no tickets, and no drugs. I drive less than 5,000 miles per year, and they raised the cost.

Do not change your due date; they consider that to be a late payment and will increase your pricing next term.

My current car insurance is way cheaper. I'd recommend GoAuto to anyone.

Typical insurance company. Starts me, the driver, out with a low monthly premium, no tickets, no accidents... 48-year-old male driver, then increases premiums.

Accessing my account has been a convoluted process. Root sends a link to verify identity, and clicking on the link in the verification email 90% of the time sends me right back to the authentication page where I have to enter my email again. So I get caught in a loop. It would be much easier if they let me log in with a username and password, record the device ID if necessary, and if the ID is the same as recorded, then allow me to log in.

Prices are really high.

Rates are high; not very flexible on monthly payments.

They have continuously raised my rates every 6 months since getting my policy. I scored an almost perfect score on my driving tests and removed one of the two vehicles I had insurance on, but my rates increase every 6 months without any tickets or accidents. Paying $286.00 a month for just liability insurance is ridiculous, especially for a paid-off 2009 vehicle. I had a rate that was 100 dollars less when I first got insurance, and that was for 2 vehicles. It should be illegal for them to keep increasing their rates, especially with no claims being filed. My policy ends in the next month or so, and I will be canceling it.

The cost could be lower.

Cheap at first to get you in, then they raise rates.

Monthly payments are too high for the coverage they provide.

I dislike it because the rates are too high. I have 3 vehicles on the policy and only have liability insurance and roadside assistance, yet I'm paying $697 a month. It doesn't make any sense.

They raised my rates significantly with no reason or explanation given.

There is no local office, and they are very expensive.

They increased the price on the second payment.

They will give you a good initial rate, then double it on the next term.

The rates are ridiculously high, but I have to have insurance.

It is inexpensive.

They have terrible communication on claims and pass a customer around to different departments. They will also double your rates right before your payment is due.

It's not as good as it originally started out. The price increased by over $100 after one month.

Rates never reduce even for good driving without incidents or accidents. The customer service is atrocious. I canceled and they still tried to pull a $300 payment five days after cancellation and I had to cancel my card because they "couldn't stop it." They told me to allow it to run its course of attempts.

They attracted me with low monthly payments, but then the rate increased after the first month.

Getting the policy was easy, but the insurance rate increased every time the policy renewed without explanation.

The claims department leaves a lot to be desired. My claim isn't officially closed, but after waiting a whole month, my claims adjuster still has not spoken to me or contacted me.

Everything was fine for three renewal cycles. When the fourth came around, my policy price increased by nearly $300. The reason stated was "new or unknown violations or incidents." There was absolutely nothing that was not disclosed when I started this policy. When I attempted to speak with customer service, I was told "this is just our best and final offer."

The rates go up without reason.

I don't recommend them. They have very bad rates for simple cars. I have a 2012 Honda Pilot, and they want to charge $415 a month for a little above state minimum coverage. Very bad rates, especially in times like these where everything is expensive. Insurance should never be that expensive for an old car. Now I'm paying $180 with a different insurance company for the same coverage.

It is high dollar, then at the end of the test drive they say you are a good driver and give you an extra $5 off that already high price, making it not worth it.

I had to contact them three times to get it corrected, and they tried to increase my rate by $75.00.

Very mediocre, now they want to raise my premium from $197 monthly to $244. I am 72 years old; how can this be possible? I need help to be able to afford automobile insurance.

At first, it was good but now it's really expensive.

Stay away. They have high prices and poor coverage. They raise rates at renewal time.

Overall, they're decent, but they increased my rate without explanation.

There is no flexibility in coverage and the insurance is high.

The price for a 6-month policy is outrageous at $750, and I've been informed that it's going up to $850. I have never had a claim or ticket in the 50 years I've been driving. I would stop driving for that price.

My experience with Root has been horrible. When you start with Root, they let you install an app on your phone to monitor your driving. Your discounts are supposed to be based on this, but I've never received a discount and my price keeps increasing. I wouldn't recommend this to anyone. Also, due to some financial difficulties, I paid my insurance about a week late, which led to my policy being canceled. I understand this, but I paid it on the 3rd of March and they're telling me my insurance is due again on the 18th of April, which makes no sense.

The rate was so high that I found a better deal elsewhere. Despite having a good driving report, the price was actually $10 more than originally quoted. It did cover me for my ride home after buying, but considering it was a $1000 car, the insurance cost was 20% of what I paid for the car per month. Despite them tracking my driving and acknowledging that I'm a good driver, there was no discount, and the price was $10 more. I ended up going back to Progressive.

I did not have a good experience with Root. Someone hit my car and they didn't want to pay what it was worth to fix. They only tried to give me $1000. It costs at least $4500 to fix.