Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Written by Rachael Brennan
Licensed Agent for 15 Years Rachael Brennan

Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Jun 29, 2022

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Key Takeaways

  • Root Inc. is a usage-based insurance company
  • Root provides full coverage, PIP, and roadside assistance
  • Root doesn’t have any financial strength ratings from A.M. Best

Do you want to purchase Root auto insurance? Root Inc. is a usage-based auto insurance company that uses a smartphone to monitor driving habits and calculate car insurance quotes.

But did you know you can bundle Root car insurance to homeowners or renters insurance? Don’t worry – we’ll show you how to save money on Root auto insurance.

Read this Root car insurance review to learn how much Root car insurance costs, where you buy Root car insurance, and ultimately decide whether Root car insurance is right for you.

Continue reading to learn all about Root car insurance. If you’re ready to compare multiple insurance companies near you, enter your ZIP code in the free online quote tool above.

How does Root car insurance work?

Root auto insurance uses a usage-based insurance system to track driving behaviors and determine monthly costs to customers. Good driving habits are rewarded with more affordable rates.

You’ll go through Root’s test drive phase when you sign up on its mobile app. Potential customers can download the Root mobile app on Apple App Store and Google Play Store.

The Root mobile app tracks driving behaviors to determine eligibility and how much auto insurance rates will cost. Here’s a list of driving habits that Root monitors.

  • Night driving
  • Turn speed
  • Overall speed
  • Hard braking
  • Miles driven

After the Root test drive phase, you’ll be graded on your performance. High scores can get you approved for a Root auto insurance policy. However, low scores on Root’s mobile app disqualify you.

How long does Root’s test drive phase take?

Root Inc. uses telematics on its smartphone app to monitor your driving behavior for three weeks.

After three weeks of monitoring your driving, Root determines whether you qualify for a Root Insurance policy.

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How much are Root car insurance rates?

Root auto insurance is $65 per month when you have a high driving score. But Root car insurance quotes vary because each driver has different habits.

Let’s look at Root’s full coverage auto insurance summary.

Root Car Insurance Coverage Limit Summary
SummaryCoverage Limits
Price$65/month
Collision Deductible$500
Comprehensive Deductible$1,000
Bodily Injury Liability Limit$100K for one person per accident
$300K for multiple people per accident
Property Damage Liability Limit$100K per accident
Personal Injury Protection (PIP) Limit$10K per person
Uninsured/Underinsured Bodily Injury Limit$30K for one person per accident
$60K for multiple people per accident
Uninsured Motorist Property Damage Limit$50K per accident
Rental Car Reimbursement Limit$50 per day
Roadside AssistanceIncluded
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Root car insurance rates are 28% cheaper than the rates projected by the National Association of Insurance Commissioners (NAIC).

Raising your coverage limit increases your Root auto insurance rates, but it may be necessary for some states.

Different factors determine whether affordable Root auto insurance is available to you. Changes to your car insurance policy impact how much you pay per month.

Is Root car insurance more affordable than other insurance companies?

It depends on factors that determine auto insurance cost. Where you buy your car insurance policy is a major factor.

Let’s examine a list of the best car insurance companies in the United States and compare them to Root.

  • Allstate – $318/month
  • American Family – $224/month
  • Farmers – $288/month
  • GEICO – $179/month
  • Liberty Mutual – $398/month
  • Nationwide – $229/month
  • Progressive – $283/month
  • Root – $65/month
  • State Farm – $235/month
  • Travelers – $287/month
  • USAA – $161/month

Root car insurance rates are almost $100 cheaper than USAA car insurance. However, you’ll have to keep excellent driving habits to access affordable Root auto insurance rates.

Does driving history affect Root auto insurance quotes?

Speeding violations, DUI convictions, and accidents drive up your rates. Accidents can increase your rates by 24% on average. But what about speeding tickets and DUIs?

Look at the list below to see how speeding violations and DUIs impact Root Insurance and other car insurance companies.

Comparing Root Car Insurance Rates by Driving Record and Company
CompaniesMonthly Rates with a Clean Driving RecordMonthly Rates w/ One Speeding ViolationMonthly Rates w/ One AccidentMonthly Rates w/ One DUI Conviction
Allstate$318$374$416$522
American Family$224$252$310$361
Farmers$288$340$377$393
GEICO$179$220$266$406
Liberty Mutual$398$475$517$634
Nationwide$229$259$283$379
Progressive$283$334$398$331
Root$65$75$81$89
State Farm$235$266$283$303
Travelers$287$355$357$478
USAA$161$183$210$292
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Root Insurance is more affordable even with an accident, DUI, or speeding violation on your driving record.

Speeding violations create the smallest increase in coverage, but DUI convictions can increase your auto insurance rates by over 30%.

Can bad credit affect Root car insurance rates?

Your credit history is also a critical factor when determining Root auto insurance. Bad credit could increase Root auto insurance by 30%.

Let’s compare Root car insurance at various credit levels to see how it affects monthly costs.

  • Good credit history – $69/month
  • Fair credit history – $79/month
  • Bad credit history – $96/month

Bad credit car insurance is $429 per month. However, Root auto insurance is $96 a month if you have poor credit, which is $333 less than the national average.

Root Inc. suspects that it will suspend credit-based auto insurance by 2025.

Maintain safe driving habits to keep affordable Root car insurance rates.

Does Root have car insurance discounts?

Root Inc. doesn’t have many car insurance discounts available to lower rates, but there are some you can use.

You can get an auto insurance discount for paying money in advance. Root Insurance customers can also secure a discount for having more than one policy.

Root also provides a 10% car insurance discount for hands-free driving.

If you want to save more money per month, consider raising your deductibles to bring down auto insurance rates.

Which car insurance coverages does Root have?

Here’s a list of the auto insurance coverage options you can find at Root Inc.

  • Collision coverage
  • Comprehensive coverage
  • Uninsured/underinsured motorist (UM/UIM) coverage
  • Personal injury protection (PIP)
  • Medical payments (MedPay)
  • Rental car reimbursement
  • Roadside assistance
  • Bodily injury liability
  • Property damage liability
  • Rideshare reimbursement coverage
  • SR-22 coverage

Root Insurance customers are provided with  roadside assistance when they have an active policy.

Root also provides SR-22 for drivers who’ve become high-risk in their respective states.

SR-22 is a certification that says you carry the minimum (or greater) auto insurance requirements.

Root customers can receive rental car reimbursement and rideshare reimbursement coverage. Rideshare reimbursement provides a refund for rideshare costs while your car is in the shop.

Does Root Inc. have other insurance products?

Yes, it does. Root Inc. provides home and renters insurance. You can bundle your auto insurance policy renters or homeowners insurance at Root and save hundreds of dollars per year.

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Where is Root car insurance available?

Root auto insurance has some of the most affordable rates in the nation, but you can’t get coverage in all 50 states.

Check out this table to see the complete list of states where Root Insurance policies are available.

Root Insurance Availability
StatesAvailability
Alabamano
Alaskano
Arizonayes
Arkansasyes
Californiayes
Coloradoyes
Connecticutyes
Delawareyes
District of Columbiano
Floridano
Georgiayes
Hawaiino
Idahono
Illinoisyes
Indianayes
Iowayes
Kansasno
Kentuckyyes
Louisianayes
Maineno
Marylandyes
Massachusettsno
Michiganno
Minnesotano
Mississippiyes
Missouriyes
Montanayes
Nebraskayes
Nevadayes
New Hampshireno
New Jerseyno
New Mexicoyes
New Yorkno
North Carolinano
North Dakotayes
Ohioyes
Oklahomayes
Oregonyes
Pennsylvaniayes
Rhode Islandno
South Carolinayes
South Dakotano
Tennesseeyes
Texasyes
Utahyes
Vermontno
Virginiayes
Washingtonno
West Virginiayes
Wisconsinyes
Wyomingno
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Root is available in 31 states. The top car insurance companies have a national reach and more insurance products.

Even some regional companies have a moderate advantage over the web-based company.

Does Root car insurance have good financial strength ratings?

Root car insurance doesn’t have any financial strength or satisfaction ratings from J.D. Power or A.M. Best.

The NAIC gave Root Inc. a below-average rating to its auto insurance department.

Despite Root’s cheap car insurance rates, it struggles with gaining a rating from the best rating agencies in the nation.

What are customers saying about Root car insurance?

The Better Business Bureau (BBB) reports an A+ rating for Root Inc., but the customer reviews for Root show a 1.31-star rating.

Root has a total of 362 complaints at the BBB. The BBB also reports 125 of those complaints, but 237 complaints still remain on Root’s BBB profile.

Root Car Insurance: Advantages and Disadvantages

Root Inc. is more affordable than most companies, but there are a few things you may have trouble with when you have a policy. Let’s examine Root’s pros and cons.

Root Auto Insurance Pros & Cons
ProsCons
Affordable auto insurance ratesOnly available in 31 states
You can get SR-22Poor customer service ratings
Rideshare reimbursement coverageMore likely to decline coverage to extremely high-risk drivers
You manage your policy from the Root mobile app
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Did we miss anything? You may have found something that we missed. Look through the article again to see how the details fit your situation.

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How do I cancel Root car insurance?

Root Inc. encourages you to cancel car insurance policies online, by phone, or through the Root mobile app.

To cancel your Root Insurance policy by phone, contact Root Inc. customer service at 1-866-980-9431.

If you want to skip a phone call, try using the Root mobile app to cancel your insurance policy.

Finally, you can use your email to cancel. Contact Root Insurance at [email protected] and let them know you want to cancel. Include your name, address, and policy number for faster service.

How do I file a Root car insurance claim?

Filing a Root Insurance claim is simple. Follow this step-by-step guide to file a Root auto insurance claim.

  1. Open the Root Insurance mobile app
  2. Press the “File a claim or get roadside assistance” selection at the bottom of the home screen
  3. Next, click on “File a claim” to report the car accident
  4. Type in all the information it asks for
  5. Share pictures of the damage and the location of the incident
  6. A Root Inc. agent will contact you to continue processing your claim

Car insurance claims vary for each incident. Minor accidents have a quick turnaround, but total loss accidents take longer.

Root Car Insurance: Interesting Facts to Know

Let’s review some interesting facts about Root Inc. before ending the Root auto insurance review.

  • Alex Timm and Dan Manges started Root Insurance in February 2015
  • Root Inc. earned over $294 million during the height of the COVID-19 pandemic in 2020
  • Root Insurance has over 901 employees
  • Root Insurance has a NASDAQ symbol called “ROOT”
  • Root Inc. is located in Columbus, OH

Root Insurance is known for its low prices because it targets drivers with clean or moderate-risk driving records.

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Root Car Insurance: The Bottom Line

Root auto insurance is cheap, but it lacks the financial strength of most top insurance companies.

Root’s usage-based insurance puts customers in control of auto insurance rates. However, if you have too many accidents or a DUI, you’ll be denied by Root’s system.

In addition to other insurance products, you’ll get the same coverage options as the best insurance companies.

Before you buy Root car insurance, use our free online quote tool to compare multiple insurance companies in your area.

Frequently Asked Questions: Root Car Insurance

Do you want to learn more about Root auto insurance? Read these answers to frequently asked questions to get more details Root Insurance.

#1 – Is Root Insurance a legit car insurance company?

Yes, it is. Root Inc. is the first licensed insurance company that works through a smartphone app.

#2 – How long has Root Inc. been around?

Root Insurance has been in business for over six years.

#3 – Is Root car insurance available 24/7?

Root’s claims department and roadside assistance are available 24/7.