Root Insurance Review

Root Insurance: A way to lower insurance costs with good driving

If getting a cheap quote is your top priority and you're a safe driver, Root is a good option for car insurance. A usage-based programs company, Root uses a mobile app to monitor your driving during a test-drive period and tailors your car insurance rates based on your performance.

This personalized approach of basing rates on driving habits means there is no average rate. You will need to complete a test drive to find out how much a Root car insurance policy will cost based on your driving habits.

When to choose Root or other telematics insurance

Root and other telematic insurance companies can be good if you have high insurance rates because you're young or you have a poor credit score.

With a standard insurance policy, your personal details can have a big impact on how much you pay. In contrast, Root calculates rates by focusing on driving habits. Personal details and credit scores do factor in, but not nearly as much as they do with standard car insurance companies.

If you don't have a good driving score after Root's monitoring period, Root won't offer you a quote. This keeps rates low for the pool of drivers who do qualify. Plus, the company has promised to eliminate the use of credit scores from its pricing model by 2025.

What's bad about Root insurance?

Root's cheap car insurance rates do come with drawbacks: Root has a below-average customer service reputation. Customers file twice as many complaints as similar companies. The complaints with the National Association of Insurance Commissioners (NAIC) are primarily for claim delays, sudden drops in coverage or raised rates.

How does Root car insurance work?

Root rewards good drivers with cheaper rates. Drivers download the Root Insurance app and create an account, and the app monitors their driving during a test-drive period and scores it based on the following factors:

If the Root Insurance app is installed on your phone and you've turned on location permissions, it will always track your driving; you do not need to log in to the app or the website for it to work. Thanks to machine-learning algorithms, the app also knows if you're driving, biking or riding as a passenger in a plane, subway or car, so Root will not factor these trips into your driving score. Users can check their scores on the Root app to see how the company is assessing their performance.

It takes about three weeks to complete the test drive and get a free Root auto insurance quote. If you decide to cancel your old insurance policy and join Root, you can use the app to request that Root inform your old insurer on your behalf.

You can add other drivers to your Root policy via the app as well. They're not required to take the test drive, but Root encourages them to do so. Without the test drive, Root must rely on standard demographic and location data to set rates and cannot offer the other drivers discounts for their safe driving.

Root Insurance payments

Root policies last for six months, and drivers have the option either to make their entire car insurance payment at once or to pay in monthly installments. Payments are made via the app, and policyholders can use either a credit card or Apple Pay. The app also contains your proof of insurance, though the company will mail you a separate insurance card as well.

If you decide to pay in monthly installments, you will select a payment date in the app. You can also change your frequency of payments between monthly and full term in the app.

Root rate increases

After six months, your Root insurance premium may increase for the next policy term. While the main factor that sets your rate is your driving, other factors do play a role and could cause your rate to go up. Those factors may include:

Root also adjusts premiums based on how accurate its predictions of its own costs were during a given six-month period. Rates increase when the revenue from premiums is lower than the cost of paying out claims; rates decrease when the revenue from premiums is greater than the cost of paying out claims. All insurance companies can raise their rates based on risks and profits, but many drivers don't expect it from a telematics company that promises your rate is mostly based on how you drive, not external factors.

Some customers have complained of skyrocketing rates after the first policy term, so you should be aware that the rate you're quoted after completing the test drive or at any 6-month renewal could increase significantly — even if there are no changes on your end as the driver.

Shoppers should also note that Root tracks your data after the test drive. The company says after the test drive, it will no longer use the score to rate you. The company's privacy policy implies you can also change your permissions about sharing data after the test-drive period.

Root auto insurance claims

After an accident, Root policyholders can file a claim and request roadside assistance via the app. Provide as much information as you can and upload photographs if possible. Root will reach out to you afterward to assess the claim and determine the next steps.

If you'd prefer to speak directly with a Root claims expert, you can call 866-980-9431 during business hours. You can also file an auto insurance claim on the company's website or 24/7 via the company's dedicated phone number, but you will likely only be able to access a Root claims expert during business hours.

Root car insurance coverage

Root distinguishes itself from major national insurers by including roadside assistance with all of its insurance policies. This is a nice bonus, as most companies charge extra for roadside assistance. Over the course of a six-month policy term, Root will cover up to three services (such as a flat tire or jump-start service) that cost less than $100 each.

Root also distinguishes itself from other insurers with its ridesharing rental reimbursement option. Many companies offer a rental reimbursement add-on that covers the cost of a rental car while your own car is in the shop receiving repairs for a covered accident. In this situation, Root allows drivers to apply that daily allotment in rideshare credits rather than for a rental car if they wish.

However, Root policyholders must make do with limited coverage options. While many other auto insurance companies offer products such as gap and rideshare insurance to drivers, Root does not. In addition to basic collision and comprehensive coverage, the only optional coverage that Root policyholders can add to their policy is rental car reimbursement coverage.

Similarly, while many insurance companies offer uninsured motorist property damage coverage to drivers in all states where they operate, Root only offers this coverage in select states.

Drivers in need of SR-22 car insurance can get this coverage documentation from Root. Many states require drivers who have lost their license to submit an SR-22 document, which demonstrates that the driver has sufficient liability coverage in place, before reinstating their license. The insurance policy that the SR-22 document refers to is often called "SR-22 insurance." Root policyholders can file for an SR-22 in the app.

Root car insurance discounts

Root does not offer additional auto insurance discounts. Instead, the company automatically factors into your initial quote any relevant information that would get you a discount at another insurer. This spares you the trouble of inquiring after additional savings and allows Root to keep its rates affordable.

Root home insurance coverage

The company gives homeowners a discount on their home insurance premiums for bundling car and home insurance.

Coverages to protect your home

In addition to standard homeowners insurance coverages such as dwelling coverage, liability coverage and loss of use coverage, Root offers the following insurance coverages to protect your home:

Root renters insurance coverage

Root renters insurance is available to anyone — not just to Root car insurance customers. However, Root offers a 5% discount on your renters quote if you bundle your renters insurance with your auto insurance.

Unlike other renters insurance companies, Root doesn't allow you to specify particular dollar amounts of coverage up front. Instead, you must choose between three different tiers of coverage — base, essential and premier — and only after you purchase the policy can you adjust your coverage levels.

Root renters insurance includes the following standard renters insurance coverages:

Where is Root Insurance available?

As a young company founded in 2015, Root Insurance is only available in certain states.

Frequently asked questions

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