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Root

Root Car Insurance

Full Star Full Star Half Star Empty Star Empty Star 2.5
23 reviews
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Root Car Insurance Information

Insurify Composite Score --
Number of discounts 8
Number of reviews 13
User Rating 2.9
A.M. Best
--
Standard & Poor’s
--
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Click here for our full review of Root car insurance quotes, discounts, and coverages.

As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.
If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

Ratings

InsurifyComposite Score
What's this?
Root Ratings
Brand Ratings User reviews
Mobile App (iOS)
Full Star Full Star Full Star Full Star Full Star 4.7
22,800
Mobile App (Android)
Full Star Full Star Full Star Full Star Empty Star 4.2
14,713
Insurify
Full Star Full Star Full Star Empty Star Empty Star 2.9
13
Trust Pilot
Trust Pilot Stars
TrustScore 2.1
10

Discounts

The largest discounts from Root are: Driving Habits Discount, Good Driver Discount, Defensive Driver Discount

Discount Type Discount %
Driving Habits Discount Varies
Good Driver Discount Varies
Defensive Driver Discount Varies
Loyalty Discount Varies
Home Owner Discount Varies
Seat Belt Use Discount Varies
Early Quote Discount Varies
Paid in full discount Varies

Payment Methods

  • Complete Tick Credit Card Payment
  • Complete Tick Debit Card Payments
  • Complete Tick Automatic Online Payment
  • Complete Tick Multi-Payment Installment Plans
  • Complete Tick Mobile App Payments

Features and Services

Root Insurance offers affordable car insurance at low rates to customers with a demonstrated record of safe driving habits. Bad drivers need not apply!

At the root of Root is its mobile app, available for both iPhone and Android.

Roadside assistance coverage is included with every policy, no matter which other policy customizations you choose to include or omit from your plan. Drivers can access roadside assistance through Root's preferred partner, Swoop. If you choose to use a service other than Swoop to take care of the towing, you can email your receipts to roadside@joinroot.com for full reimbursement.

True to its mission of simplifying the car insurance payment process, customers can pay for their car insurance directly through the mobile app. Root accepts credit cards and Apple Pay. Payment plans are flexible - you can pay monthly or every six months. You can even change your payment date up to 5 days before or after your current payment date, as long as you do so on a monthly basis. 

Root offers a variety of discounts for its customers, all of which are built in automatically to your initial quote. Root claims to offer savings of up to 52% just for taking the Root test drive, which a prerequisite for coverage.

  • Mobile app Mobile app
  • Roadside assistance Roadside assistance
  • Online account management Online account management
  • Flexible / convenient payments Flexible / convenient payments
  • Enhanced towing & substitute coverage Enhanced towing & substitute coverage
  • 24/7 service 24/7 service

Car Insurance Coverage

  • Illinois

  • Louisiana

  • Maryland

  • Nebraska

  • New Mexico

  • Oklahoma

  • Oregon

  • Texas

Not seeing the state you're looking for? See all states here.

Optional Coverage

  • Complete Tick Rental Reimbursement
  • Complete Tick Roadside Assistance
  • Complete Tick SR-22 Coverage
  • Complete Tick Glass Coverage
  • Complete Tick Gap Insurance
  • Complete Tick Ridesharing Coverage
  • Complete Tick Comprehensive Claim Forgiveness

Root Insurance by State

  • Car Insurance

Root Insurance Products

auto  Car Insurance

FAQs - Root Car Insurance

How does Insurify work?

Insurify lets you freely compare accurate car insurance quotes and discounts from top national and regional insurance companies in a matter of minutes. You can choose between coverage levels and adjust deductibles to ensure you're not just getting the cheapest policy, but the most appropriate one, too. Users save an average of $489 a year when they buy a new insurance policy through Insurify.

How does Insurify find me the cheapest car insurance quotes?

Think of Insurify as your personalized, online insurance agent. Insurify's platform uses the latest in AI to match you with real, accurate, and bindable car insurance quotes based on your driver history and budget. Insurify is not an insurance company and will not share the information you share on the site with any third party.

How is Insurify different from other insurance quote comparison sites?

Insurify is the top-rated and most-rated insurance comparison website in America. Unlike comparison sites that just take your information and sell it to the highest bidder, Insurify is built on trust and empowerment. No matter your license record, budget, or regional background, Insurify is committed to securing the cheapest and best deals that work for you.

Compare Root to GEICO

  • Root vs GEICO

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Company History

Root is the nation's first and only entirely app-based car insurance company. Purporting to serve customers based on how they drive, "not who they are," Root is an anomaly in the car insurance industry: it's a car insurance company that leverages technology in smartphones (both iPhones and Androids) to measure driver behavior through an easy-to-use mobile app. 

Using technology in smartphones to measure over 200 variables of driving behavior (braking, turn speed, driving time, route regularity, etc.), Root determines a risk profile for each driver. Root only insures safe drivers in order to offer the most affordable car insurance rates. As such, Root requires prospective customers to complete a short test drive, measured through the Root app on the driver's smartphone, before providing a price. The prospective customer's "driving score" from the test drive is considered the single most important factor in determining an accurate auto insurance policy rate. 

Root Insurance is licensed to sell auto insurance policies in the following states: Arizona, Arkansas, Colorado, Delaware, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maryland, Mississippi, Missouri, Montana, New Mexico, Nebraska, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Texas, and Utah. Root has plans to expand nationwide by 2020. 

Root Insurance is headquartered in Columbus, Ohio. Visit www.joinroot.com for more information.

Root Reviews

★ ★★ ★★
2.5
23 user reviews
5 Stars
17% Complete
17%
4 Stars
8% Complete
8%
3 Stars
12% Complete
12%
2 Stars
4% Complete
4%
1 Star
60% Complete
60%
Write a Review
Most Helpful Review
★ ★★ ★★
By Kolton
June 24, 2019

Great rates

Most Recent Review
★ ★★ ★★
By Kolton
June 24, 2019

Great rates

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