Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Dec 22, 2021

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Just What's Essential

  • Root provides a usage-based car insurance program
  • Your driving habits determine Root car insurance rates
  • On average, Root car insurance quotes are around $65/month
  • Root Insurance also provides home insurance
  • Root Inc. has a 4.7-star rating on Google Play and the Apple App Store

Do you want to know more about Root auto insurance? Root Insurance is an online usage-based insurance company.

Are Root car insurance rates affordable? Is it a good choice for you? Don’t worry – we’ve done the research on Root car insurance so you can make the right choice.

Read our Root car insurance review to learn everything about Root Inc., how Root Insurance works, and how you can secure affordable car insurance.

Before you learn about Root car insurance, enter your ZIP code in the free quote tool above to compare multiple insurance companies near you.

What is Root Insurance, and how does it work?

Root Insurance is a usage-based car insurance company that provides insurance rates based on driving behavior (driving habits).

It’s only available through your smart device. You can download the Root Insurance mobile app through Google Play or the Apple App Store.

Once you’ve downloaded the Root Insurance mobile app, you must enter your personal information.

Root takes you through a test drive phase, which lasts for three weeks. During these three weeks, Root Insurance monitors your driving habits.

After three weeks, the app produces a score to determine whether you’re eligible for Root auto insurance quotes.

A high score means you’ll be offered Root Insurance policy, but a poor score could mean you’ll be turned down.

What is usage-based car insurance?

Usage-based auto insurance is a program that determines your monthly cost based on how you drive or how many miles you drive.

A usage-based insurance service that determines your discounts or rates by how you drive is known as pay-how-you-drive insurance or PHYD insurance.

Insurance companies that issue rates based on the number of miles you travel use pay-as-you-drive insurance or PAYD insurance. This may also be called pay-per-mile.

Both insurance types are identified as usage-based insurance programs.

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What driving habits does Root Inc. monitor?

Root Insurance looks at several factors while you’re in the test drive phase and after you’ve bought an auto insurance policy.

Here’s a list of driving behaviors Root tracks.

  • Distracted driving – The activity on your phone while driving
  • Hard braking – Incidents where you’ve come to a sudden halt
  • Hands-free driving – The time you spend away from your phone while driving
  • Night driving – The amount of time you spend driving at night
  • Overall driving speed – The frequency in which you drive over the speed limit
  • Turning speed – Root Insurance tracks your driving speed while turning
  • The number of miles – How often you drive

Root Insurance telematics records any unsafe driving habits and adds them to your overall score.

Lower driving performance scores reduce your chances of getting a policy or securing cheaper Root car insurance rates.

How much are Root car insurance rates?

Our research found that Root auto insurance customers can pay around $65 per month. However, you must have near-perfect driving habits to get close to those rates.

But what comes with Root auto insurance? Let’s examine Root Insurance’s cost summary to find out.

Root Car Insurance Coverage 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 Insurance has high coverage levels for an affordable rate. However, Root car insurance varies for each person and area where it provides coverage.

Why does my driving record affect Root car insurance rates?

Your driving history is your report card that shows your overall driving record to the state, law enforcement, and even insurance companies.

Auto insurance companies review driving records to determine your risk as a driver.

Traffic infractions, such as speeding and reckless driving, impact your monthly rates. But what about accidents?

Let’s compare Root Insurance’s response to violations and accidents on driving records and see how it competes with the best car insurance companies in the nation.

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 Inc. $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 is cheaper than the largest auto insurance companies in the United States. However, Root Insurance is far from being a top company in the car insurance industry.

How do credit scores impact Root car insurance quotes?

Root Insurance reviews your credit history in addition to its test drive phase.

Most insurance companies review your credit score to determine your risk.

According to the Federal Trade Commission, people with good credit can secure cheaper car insurance rates because they’re less likely to file an insurance claim.

But drivers with poor credit pay significantly more because their credit score correlates to higher risks of filing claims.

Several states are trying to outlaw credit-based car insurance. Root Inc. has promised to end credit-based insurance by 2025.

For now, credit history affects Root Insurance customers in states where it’s legal.

Here’s an example of how credit affects Root car insurance rates.

  • Excellent Credit – $58/month
  • Good Credit – $69/month
  • Fair Credit – $79/month
  • Poor Credit – $96/month
  • Bad Credit – $114/month

The lower your credit, the more money you’ll pay for Root auto insurance per month. Let Root Inc. know when your credit score improves so you can get access to more affordable rates.

Does Root have any car insurance discounts?

Root Insurance doesn’t mention any discounts, but you can save money if you bundle Root auto insurance with the Root home insurance policy.

Ask a Root Insurance agent if you can get a car insurance deal for setting up automatic payments.

Try selecting a higher deductible, also. High deductibles can lower your Root car insurance rates.

What car insurance coverages does Root have?

Now that you’ve seen what Root auto insurance rates look like let’s explore which coverage options are available.

Root Inc. Coverage Options and What They Cover
CoveragesWhat they do
Bodily injury (BI) liabilityPays for bodily injury of another driver (and passengers) when you're at fault in an accident
Collision car insuranceCovers the cost of damage to your vehicle regardless of fault
Comprehensive car insuranceInsurance company pays for damage to your vehicle that wasn't involved in a collision
Emergency roadside assistanceGet roadside assistance from towing and other services for free
Medical payments (MedPay)Your insurance company pays for medical bills regardless of fault (bills include x-rays, copays, etc.)
Personal injury protection (PIP)Covers the cost of personal injury, including child care fees, legal fees, lost wages, etc.)
Property damage (PD) liabilityYour insurance company covers the cost of property damage you caused
Rental car reimbursementThe insurance company reimburses you for the money you spent on rental cars
Rideshare reimbursementYour insurance company provides a refund for all the rideshares you used while your car was being repaired
SR-22 certificationCertification for high-risk drivers
Uninsured motorist (UM) coverageProvides coverage when you're in an accident with an at-fault driver (or hit-and-run driver) who doesn't have insurance
Underinsured motorist (UIM) coverageCovers the remaining cost of bodily injury and property damage when an at-fault driver doesn't have enough insurance

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If you add all of these coverages to your policy, you’ll have a complete full coverage car insurance policy. However, you’ll pay more.

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Where can you buy Root car insurance?

Root Insurance is limited to a few states. Where is Root available?

Let’s look at a list of states that have Root Inc.

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 provides car and home insurance in 31 states. At the moment, drivers in the other 19 states can’t purchase a Root policy.

As Root Insurance continues to grow, it may become available to more areas in the future.

How do I cancel my Root Insurance policy?

If you already have a Root Insurance policy and want to cancel, follow these steps to learn how to cancel auto insurance at Root.

  1. Contact the Root Insurance customer service phone number at 1-866-980-9431
  2. Speak with a Root Insurance agent and let them know you want to cancel
  3. Provide your name, address, and policy number
  4. Wait for your cancellation to finalize

You can also cancel using the Root Insurance mobile app. Root Insurance customers can cancel their policy by emailing [email protected] as well.

How do I file a car insurance claim at Root Inc.?

Filing an auto insurance claim at Root Insurance can be done in six steps. Let’s go through each step to learn how to file a claim at Root Insurance.

  1. Open the Root Insurance mobile app
  2. Locate the “File a claim or get roadside assistance” selection at the bottom
  3. Click on “File a claim” on the next page
  4. Type in all the information in the selection boxes
  5. Take photos of injuries and damages to your motor vehicle
  6. Send your auto insurance claim and wait for a response from Root Insurance

Minor accidents are usually processed quickly, but it could take at least ten business days. Major, total loss accidents could take three weeks or longer to resolve.

Be sure to include as much information as possible when you file a claim.

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Does Root Insurance have good reviews?

Root Insurance has struggled with maintaining good customer reviews. In addition to staggering customer ratings, Root hasn’t secured a financial strength rating for its car insurance sector.

Let’s look at a quick summary of Root Insurance’s most recent reviews.

Root Insurance Ratings
Rating AgencyRatings
A.M. Best RatingA (for home insurance)
Better Business Bureau (BBB) RatingA+
BBB Customer Rating1.31 stars
NAIC Complaint Index4
Google Play Rating4.7 stars
Apple App Store Rating4.7 stars

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Root Inc. has an excellent rating from A.M. Best, but that score is for its home insurance.

Although Root Insurance has a good BBB rating, its customer rating is way below average.

The National Association of Insurance Commissioners (NAIC) reports that Root Inc. has four times the complaints as most companies its size.

However, the Root Insurance mobile app has an almost five-star rating.

Root Car Insurance: Pros and Cons

Before we wrap up this Root auto insurance review, let’s examine Root Insurance’s highlights and pitfalls.

Root Inc. Pros and Cons
ProsCons
Affordable car insurance ratesYou can only get a Root Insurance policy in 31 states
Provides SR-22 certification when you become a high-risk driverVery poor customer service ratings
Rideshare reimbursement coverage helps until you get a rental carNo financial strength ratings for auto insurance
Customers can manage their policy on their smart deviceDecline drivers with a high-risk status before getting a policy

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Did you notice any more drawbacks? You could improve your car insurance situation with a Root Insurance policy, but some drivers may find it complicated.

Root Car Insurance: The Bottom Line

You can buy affordable Root auto insurance, but you’ll need to have good driving habits.

No usage-based insurance system is perfect, so your rates won’t be the same each month. However, you can keep Root car insurance rates low if you don’t drive often.

Before you buy Root car insurance, use our free online quote tool to explore multiple insurance quotes from various companies near you.