Is Root A Good Insurance Company? Reviews From Over 1,602 Customers

They are pretty good but have no grace period and can quote lower than what you are offered when you go to buy.

I changed addresses and Root isn't available. Now I'm stuck with a much more expensive major company. Boo, I miss Root!

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.

More expensive than similar coverages elsewhere, but the customer service is good.

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.

Super easy. Other insurance companies were expensive and gave me the runaround. I'm not even a bad driver! Very grateful for Root.

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.

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.

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 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.

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.

The rate was good until renewal time, and then it increased.

They were fair enough. I never had any issues. They took care of everything I needed a few months ago without any questions. The only reason I switched was because it increased by 129 dollars for the upcoming renewal. I don't have a large budget.

I haven’t filed any claims, but my rate keeps going up. It feels like a ripoff.

Would not recommend. After being with them for a while, they raised my rates due to issues with my previous company. I did not have any claims or issues with Root.

Root is fine from an insurance perspective - just way overpriced.

Difficulty accessing account information to pay online. I would have to try multiple times to get into the account using my credentials. The most recent time, I could not get in at all after several attempts.

After paying on time for 6 months, they wanted to increase the policy cost by almost 250%.

The coverage is just as average as anywhere else. The pricing, however, is awful. There is no way to help lower my bill without minimizing the coverage that I need.

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

My previous insurance was $120 a month, now it's $256 a month for the same coverage. I've never had a ticket or reported an accident, but I'm paying over double.

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.

The initial quote wasn't accurate compared to the actual premium.

Root Insurance continued to increase my rates every six months, even though I have a perfect driving record with no tickets in 20 years and no accidents that were my fault in 25 years. Their customer service people are very rude and condescending.

No accidents, but my premiums increased an average of 20% at every renewal with the explanation being that's the industry.

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.

They are a good insurance company, but when it comes to customer service, they make it hard to get a hold of someone to talk to.

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.

Root's entire platform is built around a mobile app — with no meaningful desktop functionality — and the app itself is difficult to navigate. Simple tasks like adjusting your plan or coverage are unnecessarily cumbersome. Whether this is poor design or intentional friction to discourage customers from making cost-saving changes, the result is the same: a frustrating experience that wastes your time and potentially your money. When I contacted customer service for help, I was redirected back to the app — the very thing that wasn't working for me. That's not support, that's deflection. For users who struggle with small-screen interfaces due to accessibility needs, the app-only design is an even bigger barrier. Insurance should be accessible to everyone, not just those who can easily navigate a mobile-only platform. I won't be returning to Root, and I'd caution others to consider the full user experience — not just the initial quote — before committing.

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.

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.

Root is good for saving money, but it's not worth it if you're not ready to deal with them disorganizing claims and blaming the accident on you, changing the at-fault percentage randomly. They also use sketchy people for tow trucks and lockouts, some even smelling like weed. It's gone downhill. Honestly, just take another cheaper but better company.

I hit a deer and had full coverage, and they refused to pay. I had to get a lawyer to get them to pay, and I still didn’t even get enough to pay the car off. The customer service was terrible.

They increased the price on the second payment.

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

The pricing is good, but the claims process is horrible.

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.