Root - Car Insurance

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Last Updated: January 2022
Click here for our full review of Root car insurance quotes, discounts, and coverages.



Composite Score
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Root Ratings
BrandRatingsUser reviews
Mobile App (iOS)
Mobile App (Android)
Trust Pilot
Trustpilot score: 2.0
TrustScore 2


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

Carrier Discounts
Discount %
Discount Group
Discount TypeDiscount %
Driving HabitsVaries
Good DriverVaries
Defensive DriverVaries
Home OwnerVaries
Seat Belt UseVaries
Early QuoteVaries
Paid in fullVaries

Payment methods

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

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 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.

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

Car Insurance Coverage

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Optional Coverage

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

Root Insurance by State

Car Insurance

Root Insurance Products

Car Insurance

FAQs - Root Car Insurance

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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

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 for more information.

Root Reviews

5 Stars
23 %
4 Stars
15 %
3 Stars
23 %
2 Stars
8 %
1 Star
31 %

Most Helpful Review

By Ryan

Latest Review

By Ryan

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Showing 1 - 10 out of 13 Reviews
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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
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
My rate raised up on my next policy
Great rates to start, renewal is almost always higher.
Because it sucks ! Promising low rates to get you to switch then jacking the rate after 60 days ! 50 years old no accidents or tickets in years yet root wants 180 a month ! Thats a bunch of bull ...f@#! Root.
they price your rates based on your driving, by using a app to monitor you
They are a good company
Showing 1 - 10 out of 13 reviews

Root Car Insurance Information

Insurify Composite Score0
Number of discounts8
Number of reviews13
User Rating2.9


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.