Root Insurance

The Car Insurance Guide

Overall Personalized Rating: 4.2/5 (Very Good)

Overall Personalized Rating: 4.2/5 (Very Good)

Summary

Root Insurance is relatively new to the insurance game. However, they are working to change the rules. They have decided not insure all drivers, just good ones. They will monitor your driving, and if it's good enough they will give you a quote and you will save money. Root is a carrier.

Key Benefits

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

Ratings Summary

Ratings Highlights

Overall Rating
Root Insurance is focused on insuring the best drivers, and no one else.
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.
Handling Claims
Reviews of Root's ability to handle claims have been positive. Like many companies now the first submission of a claim is 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.
Young Drivers
Age is a minor factor in Root's calculation of insurance prices, they will insure younger drivers.
Bundling Auto with Other Insurance Types
Root only offers auto insurance at this time.
Drivers with Tickets/Accidents
Root will not insure bad drivers.
Premium Driver
Premium drivers can save money as well as non-premium drivers.

Company Background

Root Insurance was founded in 2015 and has expanded to 30 states with many more on the way. Their goal was to use good driving as the main determiner of the cost of insurance. This allows them to say no to bad drivers and keep accidents 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 2021 reviews by third parties without the express written consent of The Car Insurance Guide is strictly prohibited.