Root Car Insurance Review

Root car insurance is $65 a month on average. Compared to the NAIC average, Root auto insurance is about $25 cheaper, but your monthly insurance rates may vary. Root Insurance calculates your car insurance rates based on your driving habits, credit history, and driving record. Root insurance also offers home and renters insurance which can be bundled.

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Dan Wesley is an American entrepreneur and executive. He is an expert in insurance and personal finance, known for creating web portals that connect people to resources to help them meet their goals. As a mentor and leader to many, Dan strives to position himself and those around him for success. Experience Dan graduated in 2000 with a degree in Nuclear Medicine. Dan left medicine but contin...

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UPDATED: Dec 6, 2021

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Overview

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

Do you want to buy Root car insurance? Root Insurance is a usage-based car insurance company, and it uses your driving habits to calculate monthly rates.

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

Our Root car insurance review reveals how much Root insurance costs and where you can buy Root car insurance.

Read on to learn all about Root car insurance. Before you start, use our free online quote tool above to compare multiple insurance companies near you.

How does Root car insurance work?

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

First, you’ll need to download the Root Insurance mobile app. When you sign up for Root car insurance, you’ll go through a test drive phase.

The Root mobile app measures your driving habits to determine eligibility and car insurance rates.

Here are the five areas that determine your Root 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 car insurance policy. However, a bad Root insurance score could disqualify you from a car insurance policy.

How long does the test drive phase take?

Root uses telematics to monitor your driving habits for three weeks. After three weeks, Root determines whether you qualify for a Root car insurance policy.

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How much are Root car insurance rates?

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

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

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

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

Is Root car insurance cheaper than other insurance companies?

Several factors determine whether affordable Root car insurance is available to you. One of the most critical factors is where you buy your auto insurance policy.

Let’s look at a list of the best auto insurance companies in the nation 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 $400 cheaper than Liberty Mutual and $100 more affordable than USAA. However, you’ll need to have excellent driving habits to maintain affordable Root auto insurance rates.

Does my driving record affect Root car 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 tickets 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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Even with an accident, DUI, or speeding ticket, Root Insurance is still more affordable than the other auto insurance companies.

Speeding violations create the smallest increase, while DUI convictions can raise your rates by 37% on average.

How does bad credit affect Root car insurance rates?

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

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

Root Car Insurance by Credit Score
Credit SummaryMonthly Rates
Good Credit (670-739)$69/month
Fair Credit (580-669)$79/month
Bad Credit (300-579)$96/month
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The average cost of bad credit car insurance is $429 a month. However, Root auto insurance has rates as low as $96 a month if you have poor credit.

Root plans to suspend credit-based car insurance by 2025.

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

What are the best Root car insurance discounts?

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

There is a discount for paying money in advance. In addition to the pay-in-full auto insurance deal, you can save about 12% when you bundle Root home and car insurance.

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

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

Which car 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 available coverages.

Root Car Insurance Coverage Options
Coverage OptionsAvailability
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
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If you’ve been approved for a Root auto insurance policy as a high-risk driver, you can get SR-22 through the company.

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

Root insurance provides roadside assistance to all customers.

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

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

Root also writes renters and home insurance. You can bundle your car insurance policy with either policy and save hundreds of dollars a year.

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Where is Root car insurance available?

Root auto 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 a few states.

Check out this list to see 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 car insurance is only available in 31 states. Therefore, you won’t get coverage in the other 19 states. Some of the best car insurance companies have a national reach.

Does Root car insurance have good ratings?

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

Root auto insurance does not have any satisfaction ratings from J.D. Power or A.M. Best. The NAIC gave the insurance company a below-average rating.

What are the customer reviews for Root car insurance?

Root Insurance 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. Of those, 125 have been closed in the past year.

What are the pros and cons of Root car insurance?

Root insurance is cheaper than most companies, but there are some drawbacks. Let’s explore the advantages and disadvantages of Root auto insurance.

  • Pros
    • Affordable auto insurance rates
    • You can get an SR-22 with Root
    • Rideshare reimbursement coverage is available
    • You can manage your policy from the Root mobile app
  • Cons
    • Available in 31 states
    • Poor customer service ratings
    • More likely to decline coverage to extremely high-risk drivers

Did we miss something? You may have found a few pros and cons. Each person is different, so you may see benefits that work specifically for you.

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How do I cancel Root car insurance?

Root allows you to cancel your auto 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 Root 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 car insurance claim?

To file a Root auto 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

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

What are some interesting facts about Root car insurance?

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

  • Alex Timm owns the Root Inc.
  • 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 Root Inc. In 2020, Root Insurance earned over $294 million.

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Root Car Insurance: The Bottom Line

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

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

If you are accepted by Root, 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 insurance companies in the nation.

Before you buy Root car insurance, enter your ZIP code to compare multiple insurance companies in your area.

Frequently Asked Questions: Root Car Insurance

Do you want to know more about Root auto insurance? Read these answers to frequently asked questions to find out more.

#1 – Is the Root Insurance  good?

Yes, it is. Root Insurance may not have an A.M. Best rating for car insurance, but Root’s A.M. Best rating for homeowners insurance is excellent.

#2 – How long has Root Insurance been around?

Root Insurance has been in business for over six years.

#3 – Is Root Insurance legit?

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

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

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

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