Root vs USAA Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Last Updated: January 2022

Ratings

Insurify Composite Score

Root
Not Rated
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Insurify Composite Score

USAA
96
What is this?

Insurify Composite Score

Root VS USAA
Not Rated
96
What is this?
User Ratings
OptionsRoot USAA
Rating/Reviews
13 reviews
1,031 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsRoot USAA
Call Center Representative--Among the best
Insurer Website--Among the best
Local Agent--About average
Overall Satisfaction--Among the best
Policy Offerings--Among the best
Pricing--Among the best
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsRoot USAA
Claim Servicing--Better than most
Estimation Process--Better than most
First Notice of Loss (FNOL)--Among the best
Overall Satisfaction--Among the best
Rental Experience--Better than most
Repair Process--Among the best
Settlement--Better than most
J.D. Power Ratings by Region (out of 1000)
RegionRoot USAA
California--894 pt
Among the best
Central--906 pt
Among the best
Florida--888 pt
Among the best
Mid-Atlantic--896 pt
Among the best
New England--893 pt
Among the best
New York--900 pt
Among the best
North Central--905 pt
Among the best
Northwest--896 pt
Among the best
Southeast--894 pt
Among the best
Southwest--887 pt
Among the best
Texas--899 pt
Among the best
Mobile App Ratings
RegionRoot USAA
Android
14,713 Reviews
98,577 Reviews
iOS
22,800 Reviews
3,600 Reviews
Financial Ratings
OptionsRoot USAA
A.M. Best--A++
Fitch--AA+
Moody's--Aa1
Standard & Poor's--AA+

Auto Insurance Quotes

For Married Drivers

CityRoot USAA
Austin--$48
Chicago--$47
Philadelphia--$31
Phoenix--$39
Santa Monica--$50

For Single Drivers

CityRoot USAA
Austin--$61
Chicago--$69
Philadelphia--$41
Phoenix--$58
Santa Monica--$89

For Male Drivers

CityRoot USAA
Austin--$55
Chicago--$59
Philadelphia--$38
Phoenix--$52
Santa Monica--$82

For Female Drivers

CityRoot USAA
Austin--$54
Chicago--$57
Philadelphia--$35
Phoenix--$44
Santa Monica--$57

For Drivers with Speeding Ticket

CityRoot USAA
Austin--$73
Chicago--$85
Philadelphia--$45
Phoenix--$69
Santa Monica--$115

For Drivers with No Speeding Ticket

CityRoot USAA
Austin--$51
Chicago--$52
Philadelphia--$35
Phoenix--$44
Santa Monica--$59

For Drivers Age Between 18-40

CityRoot USAA
Austin--$61
Chicago--$71
Philadelphia--$42
Phoenix--$59
Santa Monica--$95

For Drivers Age Between 40-65

CityRoot USAA
Austin--$44
Chicago--$43
Philadelphia--$28
Phoenix--$35
Santa Monica--$49

For Drivers Age of 65+

CityRoot USAA
Austin--$71
Chicago--$66
Philadelphia--$46
Phoenix--$57
Santa Monica--$48

For Drivers with Average Credit

CityRoot USAA
Austin--$59
Chicago--$68
Philadelphia--$41
Phoenix--$51
Santa Monica--$68

For Drivers with Fair Credit

CityRoot USAA
Austin--$57
Chicago--$55
Philadelphia--$37
Phoenix--$46
Santa Monica--$55

For Drivers with Good Credit

CityRoot USAA
Austin--$45
Chicago--$47
Philadelphia--$32
Phoenix--$38
Santa Monica--$55

For Drivers with Excellent Credit

CityRoot USAA
Austin--$57
Chicago--$62
Philadelphia--$35
Phoenix--$57
Santa Monica--$99

Quotes & Discounts

Discount typeRoot USAA
Defensive DriverVariesVaries
Driving HabitsVaries--
Early QuoteVaries--
Good DriverVariesUp to 10%
Home OwnerVaries--
LoyaltyVariesVaries
Paid in fullVaries--
Seat Belt UseVaries--
Accident Forgiveness--Varies
Anti-Theft Device--Up to 20%
Anti-lock Brake--Varies
Daytime Running Lights--Varies
Driving training--Varies
Family--Up to 10%
Good Student--Varies
Low Mileage--Varies
Military--Up to 15%
Multiple Policy--Up to 9%
Multiple Vehicle--Up to 13%
New Car--Varies
Passive Restraint--Up to 15%
Student Away at School--Up to 20%
Vehicle Storage--Up to 60%
teenSMART--Varies

Payment Methods

Discount typeRoot USAA
Automatic Online Payment
yesyes
Credit Card Payment yes--
Debit Card Payments yes--
Mail Payment
--yes
Mobile App Payments
yesyes
Multi-Payment Installment Plans
yes--
Online Payment
--yes

Features and Services

Features and ServicesRoot USAA
24/7 serviceyesyes
Enhanced towing & substitute coverageyes--
Flexible / convenient paymentsyesyes
Mobile appyesyes
Online account managementyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesRoot USAA
Accident Forgiveness
--yes
Comprehensive Claim Forgiveness
yes--
Extended Coverage
--yes
Gap Insurance
yes--
Glass Coverage yes--
Rental Reimbursement
yesyes
Ridesharing Coverage
yes--
Roadside Assistance
yesyes
SR-22 Coverage
yes--

Uber and Lyft driver insurance

  • Root
  • USAA
  • Both

Compare Insurance Products

ProductRoot USAA
Personal Articles InsurancePersonal Articles Insurance--yes
Car InsuranceCar Insuranceyesyes
Aviation InsuranceAviation Insurance--yes
Boat InsuranceBoat Insurance--yes
Classic Car InsuranceClassic Car Insurance--yes
Collectibles InsuranceCollectibles Insurance--yes
Condo InsuranceCondo Insurance--yes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Farm InsuranceFarm Insurance--yes
Flood InsuranceFlood Insurance--yes
Home InsuranceHome Insurance--yes
Life InsuranceLife Insurance--yes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insurance--yes
Renters InsuranceRenters Insurance--yes
RV InsuranceRV Insurance--yes
Small Business InsuranceSmall Business Insurance--yes
Umbrella InsuranceUmbrella Insurance--yes

User Reviews

  • Root Reviews
  • USAA 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

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.