Root Car Insurance Review: How to Get Root Insurance Quotes

Root car insurance rates are calculated based on your driving performance which is measured on the Root app using GPS sensors. To see if you qualify for Root car insurance, you must take a test drive.

UPDATED: Jun 2, 2022Fact Checked

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: Jun 2, 2022

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Company Details
Address: 80 E Rich St Suite 500
City: Columbus
State: OH
ZIP Code: 43215
Phone Number: 866-980-9431
Year Founded: 2015

Here's what you need to know...

  • Because Root is all about offering affordable coverage to good drivers, you’ll take a test drive before you have to enter any personal information to find out if you qualify for coverage
  • Root has a robust app that’s command center for your coverage, so you’ll always have quick access to your billing statement, insurance card, and more
  • You can pay for Root month-to-month or pay off a six-month auto insurance policy in one payment
  • Get Root quotes online to see if you can save money

Note: We are not associated with Root and cannot provide any assistance with Root insurance claims or other issues.

We looked deeper into Root to get a feel for their company and to understand how their auto insurance works. Read on to learn more and find out whether they could be a good fit for you.

It’s all about you. We want to help you make the right coverage choices. On the market for better coverage? Click here and enter your zip code to get multiple personalized quotes from local auto insurance providers to save.

What is Root Insurance Company?

Car insurance is expensive, and more drivers are looking for alternative options to traditional auto insurance policies to save money. Root is a new car insurance company that strives to take the work out of getting car insurance with “no agents, no phone calls, no hassle”.

One of the most novel aspects about Root is the fact it’s entirely app-based. Despite having a great website design chock-full of important information and explanations, all the actual insurance work happens on your Apple or Android device.

Root claims to be able to save good drivers up to 52 percent on car insurance, but how? Can you trust car insurance you bought off an app?

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What Do I Need to Know About Root Auto Insurance?

Every car insurance company has their own way of calculating car insurance premiums but all of them are based on a series of criteria such as location, age, and even your job. Root, as its name implies, gets to the origins of what really matters when it comes to what you should pay for premiums— how well you drive.

Dubbed by Forbes as “real-time, context-based” insurance, Root launched as a startup originally for Tesla owners but has since expanded and now offers lower coverage to drivers of any vehicle.

Founder Alexander Timm has over 14 years experience in the insurance industry; he understands what works, and, more importantly, knows where it could be improved. He founded Root to make car insurance less of a hassle and more of an asset.

How Does Root Insurance Work?

Root embraces modern times and uses technology to determine exactly how well you drive and reflects the results in the cost of your car insurance. When you download the app, you’ll have to take a test drive to determine your eligibility.

Using your smartphone’s GPS and motion sensors, Root will test your driving abilities based off a variety of factors like braking, smoothness, and traffic habits.

Your results will be evaluated by an AI, and the results will determine whether or not Root offers you a quote.

Who Is Root Car Insurance Good for? 

Root is a good choice for people with a good driving record who want to save more on car insurance. Root breaks down how their car insurance pricing works on their site, and we have to say, their algorithm poses a new model that could dramatically cut costs and make insurance a lot more affordable.

Like we said earlier, a lot of factors go into determining car insurance costs. Every company has their own algorithm, but your driving record doesn’t play as large of a role as it should in most cases.

After answering tons of questions online, you’re ultimately placed in a risk pool that will determine how much you pay from any given company.

Sure, you can save money by qualifying for additional insurance discounts and participating in savings programs like Liberty Mutual’s RightTrack and State Farm’s Drive Safe & Save. But your driving record and daily habits don’t typically influence your premiums the most, which is unfair to a lot of people to say the least.

If you’re someone who is typically given high quotes due to your age, gender, or location, Root might be able to cut down major costs and give you a quote that reflects how well you drive and the type of coverage you actually need.

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What States is Root Currently In?

Root is based out of Columbus, OH, and has plans to expand its business across the nation. The company recently started offering coverage in Kentucky and Philadelphia, bringing its availability up to a total of 17 states. Here’s the full list of states you can buy Root car insurance in:

  • Arizona
  • Arkansas
  • Delaware
  • Illinois
  • Indiana
  • Iowa
  • Kentucky
  • Louisiana
  • Mississippi
  • Missouri
  • Montana
  • New Mexico
  • Ohio
  • Oklahoma
  • Pennsylvania
  • Texas
  • Utah

What Insurance Options Does Root Offer?

They offer a lot of the major types of car insurance coverages required by state and needed by drivers. Here’s a full list of their offerings:

Root offers liability coverage required in every state as well as additional coverages every driver should have like comprehensive and collision. There are also additional offers that will keep you secure in the event of an accident like under/uninsured motorist coverage and Personal Injury Protection (PIP).

Roadside assistance is included with every package, so you’ll never have to worry about being stranded. There’s also optional rental insurance that will make it easier to afford to get back on the road while your car is in the shop.

Does Root Offer Any Discount Opportunities?

You know about discount programs at other auto insurance companies. The difference between Root and its larger competitors is that their entire model is based off giving you discounts.

Instead of having to install a device, download a separate app or wait an entire policy period to find out what you can save, Root offers instant discounts on car insurance coverage all from their main app, and your savings are applied to all your coverages as soon as you’re eligible.

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Does Root Offer Pay-as-You-Go Car Insurance?

Some people only need temporary coverage; Root’s auto insurance allows you to pay-as-you-go. You can sign up and pay for your insurance monthly or switch to one payment every 6 months. If you switch to a six-month payment plan, you won’t be able to switch pack until your policy’s 6-month renewal.

Even if you choose a later start date for your policy, payments are deducted immediately, so make sure you’re serious about switching to Root before you buy from them.

Is Root Car Insurance Legit?

It’s understandable that you’d be skeptical of a car insurance policy you bought on an app. In case you’re worried this could all be a scam, we did our homework. Root is accredited by the Better Business Bureau and has a rating of A+.

Customer opinions matter, too. At the time of this review, Root was rated 4.5 stars on the App Store and 4.4 on Google Play Store with over almost 10,000 combined ratings.

How Do I Get a Root Insurance Policy Online?

Root wants to take the work out of car insurance. Everyone needs it, but that doesn’t mean it should be such a chore (or a bore).

You’ll find out whether or not you’re eligible for coverage, and then Root will walk you through the buying process. It’s fast, easy, and by far the most modern car insurance company we’ve seen so far.

Of course, just because Root’s coverage is easy to access doesn’t mean you should immediately buy it. You still need to employ the smart shopping skills that can save money without cutting back on coverage.

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How Do I Get A Root Insurance Quote?

Download the Root app on the Apple App or Google Play store and sign up for a test drive.

Can I Save Money and Get Better Car Insurance by Comparison Shopping?

Enter your zip code below and get matched with personalized auto insurance quotes. Why enter the same information over and over again on car insurance websites when you can be one and done with our site? We encourage you to take some time, explore our articles and learn about car insurance coverage and the buying process.

Like Root, we believe auto insurance should be easy to find and cheap to keep. Good drivers deserve fair premiums. We’re glad you’ve stopped by. Now stay and start saving.

Can I Compare Cheap Root Auto Insurance Quotes Online?

  • Root calculates your insurance premium based off how you drive
  • For those who have a good driving record and are tired of the traditional insurance model, Root might be the right choice
  • To get a quote from Root, you’ll have to take a driving test using your smartphone

Root car insurance is a new company that is changing the system. Technology is changing the landscape of every industry, and insurance is no exception.

Check out our Root car insurance review to find out if Root is a good car insurance company.

Don’t want to take the driving test? Didn’t make the cut? That’s okay. There are still plenty of other options out there to explore. Enter your ZIP code above to get free car insurance quotes from multiple insurers.

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Step #1 – Get the Scoop on Root

Visit Root’s site to find out what makes them tick. Their site is easy to follow and offers a clear breakdown of the quote and purchase process.

Step #2 – Explore Coverage Options

There’s no point in applying for a quote without knowing what it’s for, right? Check out Root’s auto insurance coverage options page and learn a thing or two about the different types of auto insurance they provide (as well as policies you may not have even known of!)

Step #3 – Make Sure Your State is Covered

Root is a growing company, so it isn’t available in every state yet. On the Availability page, you can get a full overview of all the states that Root currently services and get a glimpse at where they’re headed next.

They’re currently available (summer 2018) in:

  • Arizona
  • Arkansas
  • Delaware
  • Illinois
  • Indiana
  • Iowa
  • Kentucky
  • Louisiana
  • Mississippi
  • Missouri
  • Montana
  • New Mexico
  • Ohio
  • Oklahoma
  • Pennsylvania
  • Texas
  • Utah

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Step #5 – Create an Account

You can sign up for a Root account on the site and use it to log in to the app, which you’ll need to get your quote.

Step #6 – Download the Root App for Car Insurance

Head over to the App or Google Play Store (depending on your phone) and download the Root Car Insurance app.

Step #7 – Take the Driving Test

Rather than have you waste time answering a bunch of questions to give you a generic rate, Root calculates your premium based off how well you drive.

The Root test drive

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Step #8 – Buy a Policy

Root auto insurance policies are renewed on a month-to-month basis. If you’ve been looking for temporary car insurance, this company is a great option.

Step #9 – Customize Your Coverage

When you buy a policy, Root lets you choose different types of  insurance coverage and adjust the limits of each. You can check out your state’s requirements, but we suggest going higher than the bare minimum so you have guaranteed coverage in the event of an accident.

Step #10 – Find More Ways to Save

Root has a comparison page that showcases their best features against the competition.

Their services and ratings are clearly displayed, along with different measurements they use to gauge themselves against other car insurance companies.

It’s a relatively unbiased and helpful presentation that can highlight some key comparison topics you may overlook on your own.

If you’re not convinced or still want to see what’s out there, let us help. Enter your ZIP code on our site to get free car insurance quotes.

We can also help you get in touch with an insurance agent right away and get one-on-one counseling to find the perfect coverage for you.

Reviews
for Root Insurance

3.23 (593 reviews)
1
October 26, 2022

Roxy_81

Don’t use this company

After being with Root for a year and having a clean driving record they increased my insurance by $90 with no legitimate reason
1
October 17, 2022

bheimple

Terrible Customer Service & No Transparency

I would not suggest if customer service is something you look for, I would highly suggest looking somewhere else. They also couldn't care less about your insurance score and the damage to that score by picking up and dropping you within a month of issuing you a policy. They utilize an app to see if you are eligible to continue using their service, but can't talk about the data they have received, even when the application is saying that you have ...
I would not suggest if customer service is something you look for, I would highly suggest looking somewhere else. They also couldn't care less about your insurance score and the damage to that score by picking up and dropping you within a month of issuing you a policy. They utilize an app to see if you are eligible to continue using their service, but can't talk about the data they have received, even when the application is saying that you have been a safe driver. Furthermore, they don't empower any of their employees to know anything about the policy you hold and if you want to speak with a supervisor for clarification, they will give you a callback at a later date, but still are extremely vague and can't answer policy questions. Terrible business model and horrible transparency about what you are signing up for. I guess you get what you pay for.
2
September 20, 2022

Jbk

All honeymoons come to an end

Root started out as a great priced alternative to other insurances. However, after nearly 3 years with them the illusion has worn off. Let me start by saying my driving record is squeaky clean. I’ve had two tickets my whole life: back in the late 90s as a teen for no seatbelt; early 2000s for a headlight out (a fix-it ticket.) Only this year has Root really messed me around. I started off the year paying $139 for near maximum coverage. In...
Root started out as a great priced alternative to other insurances. However, after nearly 3 years with them the illusion has worn off. Let me start by saying my driving record is squeaky clean. I’ve had two tickets my whole life: back in the late 90s as a teen for no seatbelt; early 2000s for a headlight out (a fix-it ticket.) Only this year has Root really messed me around. I started off the year paying $139 for near maximum coverage. In April of ‘22 they kicked my cost up to $161. Now for renewal in October they want to spike it again to $190. Remember, I have a perfect driving record. Two things happened that truly irk me. First, they won’t negotiate. They just copy/paste their FAQs and email you back when you ask why the rate change. Second, more frustratingly, they sneak the info of premium increase into their cheer-filled email in tiny print so you can accidentally overlook it. Seems immensely shady to me. But with the power of the internet I’ll be happily sharing this everywhere I can because I think it’s bad business practice.
1
August 31, 2022

Kevstuh

Root

I found a new insurance company a c'pla years ago. Company name: Root insurance. They seemed to have fairly low rates so I gave them a try. What a mistake! On August 11 2022, thieves helped themselves to my catalytic converter. I called police and filed a statement. The adjuster appeared to be on the case. He said a check was sent out on the 15th and it would take 7-10 days to get to my mechanic. The mechanic showed me the part. He had it deliver...
I found a new insurance company a c'pla years ago. Company name: Root insurance. They seemed to have fairly low rates so I gave them a try. What a mistake! On August 11 2022, thieves helped themselves to my catalytic converter. I called police and filed a statement. The adjuster appeared to be on the case. He said a check was sent out on the 15th and it would take 7-10 days to get to my mechanic. The mechanic showed me the part. He had it delivered to his shop. The entire muffler with converter attached. However he never got the check and as I expected, he wouldn't do the work until he was paid. As it should be. Now, I'm not wealthy. I can't afford to take 2 days off work, much less 10! Other insurance companies I've been with tend to settle claims much faster. But this company obviously doesn't want to pay because they've made it clear they don't care. My premiums are paid on time every time since I have auto-pay. All I can say is if you are a Root customer, cancel that policy before an incident happens. Their policy is: take your money and avoid paying claims. This is the worst insurance company on planet earth! Run!
1
August 26, 2022

AngryAtRoot

They will milk you for your money

My family and I were driving home from vacation, in the middle of the night in the mountains of Utah, when we hit a whole semi tire laying in the middle of the road. It ripped up my front bumper and simultaneously debris flew up and hit my windshield, cracking it. But root claims that they can't relate my windshield being cracked to this accident and required me to file a second claim and pay my deductable AGAIN to get the windshield damage fixed...
My family and I were driving home from vacation, in the middle of the night in the mountains of Utah, when we hit a whole semi tire laying in the middle of the road. It ripped up my front bumper and simultaneously debris flew up and hit my windshield, cracking it. But root claims that they can't relate my windshield being cracked to this accident and required me to file a second claim and pay my deductable AGAIN to get the windshield damage fixed. Additionally, after just one claim they increased my premium by over 50%. Absolutely unreal. I switched to progressive who are much more helpful and friendly, and CHEAPER. I will never come back to root and will always tell people to choose different insurance. This company is scum.
5
August 24, 2022

Mandyrm1989

Great company to use

Root is awesome. I hit a deer and the agent was so helpful. They let me choose where I wanted to take my car and sent the company a check within days of my claim. They also provide free roadside assistance. I have used roadside multiple times with no problems. I definitely recommend.
3
August 13, 2022

McKnightC_

Disappointed

Overall root is okay... I am very disappointed that i clicked the link for the referral program and for some reason it didn't connect and after i finished the test drive neither one of us got the 25 incentive and when i reach out to support they said that they would not honor it.. admittedly i won't refer anyone to root because of that.. it is very misleading
1
August 4, 2022

Terry75638

Cheaper to pay out of pocket than to use root

I was happy with root until I got ran off the road by another vehicle and my glass got busted. Called them and they transferred me to Safelite. Now Safelite wanted $500 to fix my glass. Mind you I have full coverage with uninsured motorist. I told Safelite I can get it fixed at eagle glass for $200. Not happy with either root or Safelite. I pay $214 month and it cost me more to use root insurance when something happens. I believe they just lo...
I was happy with root until I got ran off the road by another vehicle and my glass got busted. Called them and they transferred me to Safelite. Now Safelite wanted $500 to fix my glass. Mind you I have full coverage with uninsured motorist. I told Safelite I can get it fixed at eagle glass for $200. Not happy with either root or Safelite. I pay $214 month and it cost me more to use root insurance when something happens. I believe they just lost a customer
5
July 24, 2022

Jotickles

Root is the absolute best

Fast and easy and so much cheaper than progressive. I love you so much. You’re saving me financially.
1
July 14, 2022

Cfryer

Laughable money "saving" insurance

Thought this would be a great way to go since the initial quote came in under 100/month. That was the first month only, ever moth since has been more and more expensive. I just cancelled today as the policy is now 275/month, I should note here my wife and I are both over 30 with zero accidents and tickets on our record. The app they tell you to install to get a better rate is a scam to get more money out of you... It calculates numbers as if I we...
Thought this would be a great way to go since the initial quote came in under 100/month. That was the first month only, ever moth since has been more and more expensive. I just cancelled today as the policy is now 275/month, I should note here my wife and I are both over 30 with zero accidents and tickets on our record. The app they tell you to install to get a better rate is a scam to get more money out of you... It calculates numbers as if I were driving when I'm not and if you get in a vehicle that you aren't driving it'll still track you and ding you for the other person's driving. I'd hate to see what my bill would be if I had taken my phone to a theme park. All in all root is a joke and a scam, look elsewhere for way better deals and coverage, for their main ad tactic being we save you the most... They failed miserably!
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