Root Auto Insurance Review (2022)

On average, Root auto insurance can be as low as $65 a month. Compared to the NAIC average, Root car insurance is about $25 lower, but rates vary. The Root Insurance Company calculates your auto insurance rates based on your driving habits, credit history, and driving record. Root insurance also offers home and renters insurance that can be bundled.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Nov 16, 2021

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It’s all about you. We want to help you make the right coverage choices.

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A Concise Overview

  • Root auto insurance is a usage-based insurance program
  • You can choose full coverage, roadside assistance, and personal injury protection
  • Root doesn’t have an A.M Best rating for auto insurance, but it has an A rating for homeowners insurance

Are you interested in buying Root auto insurance? The Root Insurance Company is a usage-based car insurance company. It uses your driving habits to calculate rates.

But did you know Root allows you to bundle other products with auto insurance coverages? Don’t worry – we’ll show you how you can save money on Root car insurance.

Read this Root auto insurance review to learn how much Root auto insurance costs, where you buy Root auto insurance, and find out if it’s right for you.

Read on to learn all about Root auto insurance. Before you start, enter your ZIP code in the free online quote tool above to compare multiple insurance companies in your area.

How does Root auto insurance work?

Root car insurance is a usage-based insurance system that provides your cost based on your driving habits. The better your driving behavior, the less you’ll pay for auto insurance each month.

When you sign up for Root auto insurance, you’ll go through a Test Drive phase. First, you’ll need to download the Root Insurance Mobile App.

The Root mobile app measure these driving behaviors to determine eligibility and car insurance rates:

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

If you have good driving habits, you’ll be approved for a Root auto insurance policy. However, scoring poorly on Root’s mobile app disqualifies you from a car insurance policy.

How long does the test drive phase take?

Root uses telematics on its mobile app to monitor your driving habits for three weeks. After the three weeks are up, Root determines whether you qualify for a Root car insurance policy.

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How much are Root auto insurance rates?

You can pay as little as $65 a month for Root car insurance. Root auto insurance quotes vary for each person.

Let’s examine a breakdown of full coverage auto insurance from Root.

Root Auto 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’s average monthly rate is about 28% cheaper than the National Association of Insurance Commissioners (NAIC) projected average ($90 a month).

The $100,000 and $300,000 limits are medium-high and high coverage levels. However, you may not get the average Root car insurance rate.

Several factors determine whether affordable Root auto insurance is available to you.

Is Root auto insurance cheaper than other insurance companies?

It depends on personal characteristics that determine car insurance. Of course, where you buy your auto insurance policy is a big factor.

Let’s look at a list of the best auto 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

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

Does my driving record affect Root auto insurance quotes?

Speeding violations, DUI convictions, and accidents can increase your rates. On average, accidents can increase your rates by 24%. But what about speeding infractions and DUIs?

Check out the list below to see how speeding violations and DUIs impact Root insurance and other car insurance companies.

Comparing Root Auto 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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Even with an accident, DUI, or speeding ticket, the Root Insurance Company is still more affordable than the other options.

Speeding violations create the smallest increase, while DUI convictions can raise your rates by over 30% on average.

How does bad credit affect Root auto insurance rates?

Your credit history is also a significant factor when determining Root car insurance. If you have bad credit, your auto insurance rates could increase by 39%.

Let’s compare Root car insurance based on credit history.

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

The average cost of bad credit auto insurance is $429 a month. However, Root insurance has rates as low as $96 a month if you have poor credit.

Root reported that they’ll suspend credit-based auto insurance by 2025.

If you can maintain good driving habits, you’ll get cheaper rates regardless of your credit history.

What are the best Root auto insurance discounts?

Root insurance doesn’t have many discounts available to lower rates, but there are a few.

There is a discount for paying money in advance. In addtion, there’s a discount for having more than one policy with the Root Insurance Company.

Root also provides a 10% discount for hands-free driving. Unfortunately, we couldn’t find any more discounts.

If you want to save even more money, consider raising your deductibles to lower your car insurance rates.

Which auto insurance coverages does Root Insurance have?

We talked briefly about the available car insurance options at the Root Insurance Company. Here’s a list of the coverage options.

  • 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 provides roadside assistance to all customers.

If you’ve been approved for a Root car insurance policy as a high-risk driver, you can get SR-22 through the company.

In addition to rental car reimbursement, Root customers can receive rideshare reimbursement coverage.

Rideshare reimbursement provides money back for rideshare expenses while your vehicle is being repaired.

What are the other insurance products provided by the Root Insurance Company?

The Root Insurance Company also provides homeowners and renters insurance. You can bundle your auto insurance policy with either policy and save hundreds of dollars a year.

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Where is Root auto insurance available?

Root car insurance has some of the cheapest rates in the nation, but you can’t get coverage everywhere. Although Root insurance is available online, it’s only available in 62% of states.

Here’s a complete list of states where Root insurance is 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 insurance is only available in 31 states. Therefore, you won’t be able to get coverage in the other 19 states.

Some of the best car insurance companies have a national reach. Hopefully, Root will be available in other states in the future.

Does Root auto insurance have good ratings?

Root car insurance does not have any satisfaction ratings from J.D. Power or A.M. Best.

Unfortunately, the NAIC gave the insurance company’s auto insurance product a below-average rating.

Despite Root’s auto insurance rates, it struggles with gaining a rating from the best rating agencies in the United States.

What are the customer reviews for Root auto insurance?

The Root Insurance Company has an A+ rating with the Better Business Bureau (BBB), but the customer reviews show a 1.31-star rating.

With the BBB, Root has a total of 362 complaints from the last three years. Unfortuntaely, only 125 of those have been closed in the previous year.

What are the advantages and disadvantages of Root auto insurance?

Root insurance is cheaper than most companies, but there are some drawbacks. Let’s explore the pros and cons of Root car insurance.

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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Of course, everyone differs in terms of what they consider to be a pro and a con, so you might see it differently.

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How do I cancel Root auto insurance?

Root allows you to cancel your car insurance policy online, by phone, or through the mobile app.

If you want to cancel by phone, contact the Root insurance customer service at 1-866-980-9431. Alternatively, you can use the Root mobile app to cancel your auto insurance policy.

Email the Root Insurance Company at [email protected] to speak to a customer service representative if the Root mobile app isn’t working for you.

How do I file a Root auto insurance claim?

To file a Root car insurance claim, follow these steps.

  1. Open the Root Insurance mobile app
  2. Tap “File a claim or get roadside assistance” at the bottom of the home screen
  3. Click on “File a claim” to report the accident
  4. Type in all the information you can
  5. Snap photos of the damage and the location of the incident
  6. A Root insurance claim agent will get in touch with you and continue processing your claim

Auto insurance claims vary. Minor accidents may have a quick turnaround for claims, but total loss accidents may take a little longer to process.

What are some interesting facts about Root auto insurance?

Before we wrap up our Root car insurance review, let’s review several facts about the Root Insurance Company.

  • Alex Timm owns the Root Insurance Company
  • Root Insurance was founded in February 2015
  • Root Insurance has about 901 employees
  • You can find Root Insurance listed on the NASDAQ as “ROOT”
  • Root Insurance headquarters is located in Columbus, OH

Alex Timm and Dan Manges founded the Root Insurance Company. In 2020, Root Insurance earned over $294 million.

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Root Auto Insurance: The Bottom Line

Root car insurance is cheaper than most top insurance companies, but it isn’t available across the United States.

Various factors determine whether affordable Root auto insurance is available to you.

Root’s usage-based auto insurance system puts customers in the driver’s seat. However, drivers who show higher risk are usually denied coverage.

If you are accepted for Root insurance coverage, you’ll have the option to bundle with home or renters insurance.

In addition to other insurance products, you’ll have the same options as if you were being insured by the best car insurance companies in the nation.

Before you buy Root auto insurance, use our free online quote tool to compare multiple insurance companies near you.

Frequently Asked Questions: Root Auto Insurance

Do you want to know more about Root car insurance? Read these answers to frequently asked questions to learn more.

#1 – Is Root Insurance legit?

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

#2 – Is Root auto insurance available 24/7?

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

#3 – How long has Root Insurance been around?

Root Insurance has been in business for over six years.

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