Root Insurance

The Car Insurance Guide

Overall Personalized Rating: 4.2/5 (Very Good)

Summary

Root Insurance may be relatively new to the insurance game, but they are quickly changing the rules. Their business model is based on the premise that insuring only the best drivers will mean less risk and fewer losses overall. Potential customers must have their driving monitored for a set period, at the end of which Root will determine if their driving behavior is up to par. If it is, they'll offer you an affordable policy.

Key Benefits

Technology focused start-up
Very low prices for good drivers
Everything is done through the app
Partners with A+ rated re-insurers

Ratings Summary

Ratings Highlights

Overall Rating

Root Insurance is focused on insuring drivers that drive safely, typically determined after a test-drive period during which drivers are asked to download an app that will monitor their driving.

Pricing

Root's approach to pricing is revolutionary and typically saves drivers lots of money. The trade off is allowing Root to monitor your driving prior to them offering you a price. So long as you do well on their driving tracking, you may save a fair amount simply by being a safe driver.

Handling Claims

Reviews of Root's ability to handle claims have been positive. Like many other companies, claims can easily be made through an app on your mobile phone.

Uninsured Drivers

Root focuses on the quality of your driving as the most important factor, so the currently uninsured can find a good price so long as they prove that they drive safely.

Young Drivers

Age is a minor factor in Root's calculation of insurance prices -- they will insure younger drivers, so long as they do well on their initial driving behavior assessment.

Bundling Auto with Other Insurance Types

Root only offers auto insurance at this time.

Drivers with Tickets/Accidents

Root does not insure drivers with multiple tickets, accidents, or incidents on record.

Premium Driver

Premium drivers can save money with Root, so long as they do well on their driving behavior tracking period.

Company Background

Root Insurance was founded in 2015 as an insurance company that offers great coverage to great drivers. They use driving behavior data as the main determiner of the cost of insurance, allowing them to say no to bad drivers and keep accident rates low. Root has raised over 170 million dollars and is based in Columbus, OH

The Car Insurance Guide's Reviews Methodology

The Car Insurance Guide uses a proprietary algorithm to evaluate the car insurance options presented. Factors reviewed and rated include pricing, handling of claims, age of driver, bundling, and driver type. These factors are evaluated and scored to provide an overall score for the carrier as well as being individually assessed to provide a detailed review of the fit of the carrier to the driver. The data comes from research The Car Insurance Guide conducts as an invite-only annual survey and from interviews with car insurance agents. Insights from experts, those whose job it is to understand and recommend the best insurance companies for their clients, is invaluable. Use of The Car Insurance Guide's 2024 reviews by third parties without the express written consent of The Car Insurance Guide is strictly prohibited.