Root vs State Farm Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Ratings

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Root
Not Rated
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State Farm
88
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Insurify Composite Score

Root VS State Farm
Not Rated
88
What is this?
User Ratings
OptionsRoot State Farm
Rating/Reviews
13 reviews
2,186 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsRoot State Farm
Insurer Website--The rest
Local Agent--About average
Overall Satisfaction--About average
Policy Offerings--About average
Pricing--The rest
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsRoot State Farm
Claim Servicing--About average
Estimation Process--Better than most
First Notice of Loss (FNOL)--About average
Overall Satisfaction--About average
Rental Experience--About average
Repair Process--About average
Settlement--About average
J.D. Power Ratings by Region (out of 1000)
RegionRoot State Farm
California--813 pt
About average
Central--824 pt
About average
Florida--798 pt
The rest
Mid-Atlantic--826 pt
The rest
New England--838 pt
Better than most
New York--820 pt
About average
North Central--840 pt
Better than most
Northwest--817 pt
About average
Southeast--821 pt
About average
Southwest--829 pt
Better than most
Texas--816 pt
The rest
Mobile App Ratings
RegionRoot State Farm
Android
14,713 Reviews
12,082 Reviews
iOS
22,800 Reviews
288 Reviews
Financial Ratings
OptionsRoot State Farm
A.M. Best--A++
Moody's--Aa1
Standard & Poor's--AA

Auto Insurance Quotes

For Married Drivers

CityRoot State Farm
Austin--$52
Chicago--$54
Philadelphia--$73
Phoenix--$72
Santa Monica--$81

For Single Drivers

CityRoot State Farm
Austin--$54
Chicago--$54
Philadelphia--$74
Phoenix--$64
Santa Monica--$117

For Male Drivers

CityRoot State Farm
Austin--$52
Chicago--$53
Philadelphia--$72
Phoenix--$63
Santa Monica--$116

For Female Drivers

CityRoot State Farm
Austin--$54
Chicago--$56
Philadelphia--$76
Phoenix--$73
Santa Monica--$83

For Drivers with Speeding Ticket

CityRoot State Farm
Austin--$66
Chicago--$60
Philadelphia--$84
Phoenix--$74
Santa Monica--$187

For Drivers with No Speeding Ticket

CityRoot State Farm
Austin--$50
Chicago--$53
Philadelphia--$73
Phoenix--$67
Santa Monica--$80

For Drivers Age Between 18-40

CityRoot State Farm
Austin--$56
Chicago--$55
Philadelphia--$76
Phoenix--$65
Santa Monica--$132

For Drivers Age Between 40-65

CityRoot State Farm
Austin--$50
Chicago--$51
Philadelphia--$69
Phoenix--$68
Santa Monica--$79

For Drivers Age of 65+

CityRoot State Farm
Austin--$52
Chicago--$62
Philadelphia--$84
Phoenix--$80
Santa Monica--$55

For Drivers with Average Credit

CityRoot State Farm
Austin--$60
Chicago--$62
Philadelphia--$84
Phoenix--$80
Santa Monica--$95

For Drivers with Fair Credit

CityRoot State Farm
Austin--$58
Chicago--$60
Philadelphia--$81
Phoenix--$90
Santa Monica--$81

For Drivers with Good Credit

CityRoot State Farm
Austin--$52
Chicago--$53
Philadelphia--$72
Phoenix--$62
Santa Monica--$89

For Drivers with Excellent Credit

CityRoot State Farm
Austin--$42
Chicago--$43
Philadelphia--$59
Phoenix--$39
Santa Monica--$131

Quotes & Discounts

Discount typeRoot State Farm
Defensive DriverVariesUp to 5%
Driving HabitsVariesUp to 30%
Early QuoteVaries--
Good DriverVariesUp to 25%
Home OwnerVariesVaries
LoyaltyVariesVaries
Paid in fullVaries--
Seat Belt UseVaries--
Accident Free--Up to 15%
Anti-Theft Device--Up to 15%
Anti-lock Brake--Up to 20%
Claims Free Renewal--Varies
Daytime Running Lights--Varies
Driving training--Varies
Good Credit--Up to 80%
Good Student--Up to 25%
Low Mileage--Up to 10%
Mature driver--Varies
Military--Varies
Multiple Policy--Up to 17%
Multiple Vehicle--Up to 20%
New Car--Up to 40%
Passive Restraint--Up to 40%
Senior Adult--Varies
Student Away at School--Varies
Travelink--Varies
teenSMART--Up to 15%

Payment Methods

Discount typeRoot State Farm
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit --yes
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
--yes
In Person Payment
--yes
Mail Payment
--yes
Mobile App Payments
yesyes
Multi-Payment Installment Plans
yes--
Online Payment
--yes
Pay Through Your Agent
--yes
Person 2 Person Payment --yes
Phone Payment
--yes

Features and Services

Features and ServicesRoot State Farm
24/7 serviceyesyes
Enhanced towing & substitute coverageyesyes
Flexible / convenient paymentsyesyes
Loyalty rewards program--yes
Mobile appyesyes
Online account managementyesyes
Policy bundling discounts--yes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesRoot State Farm
Accidental Death, Dismemberment, Disability
--yes
Antique or Collector Car Insurance
--yes
Comprehensive Claim Forgiveness
yes--
Emergency Assistance Coverage
--yes
Emergency Lockout Coverage
--yes
Gap Insurance
yes--
Glass Coverage yesyes
Mechanical Breakdown Insurance
--yes
Preferred Repair Services
--yes
Rental Reimbursement
yesyes
Ridesharing Coverage
yesyes
Roadside Assistance
yesyes
SR-22 Coverage
yes--

Uber and Lyft driver insurance

  • Root
  • State Farm
  • Both

Compare Insurance Products

ProductRoot State Farm
Personal Articles InsurancePersonal Articles Insurance--yes
ATV InsuranceATV Insurance--yes
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insurance--yes
Business InsuranceBusiness Insurance--yes
Condo InsuranceCondo Insurance--yes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Disability InsuranceDisability Insurance--yes
Farm InsuranceFarm Insurance--yes
Flood InsuranceFlood Insurance--yes
Golf Cart InsuranceGolf Cart Insurance--yes
Health InsuranceHealth Insurance--yes
Home InsuranceHome Insurance--yes
Identity Theft InsuranceIdentity Theft Insurance--yes
Life InsuranceLife Insurance--yes
Long-Term Care InsuranceLong-Term Care Insurance--yes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insurance--yes
Renters InsuranceRenters Insurance--yes
Ridesharing InsuranceRidesharing Insurance--yes
RV InsuranceRV Insurance--yes
Snowmobile insuranceSnowmobile insurance--yes
Umbrella InsuranceUmbrella Insurance--yes

User Reviews

  • Root Reviews
  • State Farm Reviews
2.9
5 Stars
23 %
4 Stars
15 %
3 Stars
23 %
2 Stars
8 %
1 Star
31 %

Most Helpful Review

By Ryan
Services

Latest Review

By Ryan
Services

All Reviews

Showing 1 - 10 out of 13 Reviews
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Read reviews that mention

Ryan
Services
Salim
Rates are always going up even with a switch of a address! Was with root for 6 months and they raised my monthly payment by $160 bucks I will be switching providers
Edelmiro
Good insurance company was paying $62 a month then my renewal came for sept. @$102 never had a accident or points taken off my license so why the$40 increase
Alexandre
My rate raised up on my next policy
Khristopher
Great rates to start, renewal is almost always higher.
Roxana
Lee
Because it sucks ! Promising low rates to get you to switch then jacking the rate after 60 days !...im 50 years old no accidents or tickets in years yet root wants 180 a month ! Thats a bunch of bull ...f@#! Root.
Alice
Michael
they price your rates based on your driving, by using a app to monitor you
Daniel
They are a good company
Showing 1 - 10 out of 13 reviews

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.