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Root car insurance review

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Try the Root app and see how much your safe driving could save you on car insurance.

  • Get a quote if you want a cheap rate for your safe driving.
  • Pick something else if you want a personal agent.
  • Good drivers can save the most on auto insurance.

Included free

Roadside assistance

New car protection

Accident forgiveness

Details

States served Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Georgia, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maryland, Mississippi, Missouri, Montana, Nebraska, Nevada, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia
Roadside assistance Included free
Pay schedule monthly
Claims methods online
New car protection No
Accident forgiveness Yes

Pros

  • Safe drivers save up to 52%
  • Easy app tracks driving
  • Fast claims

Cons

  • No gap coverage
  • No agents to access
  • Limited states
Anti-theft device discount Yes
Bundling discount Yes
Defensive driving discount Yes
Good student discount No
Loyalty discount Yes
Homeowner discount Yes
Military discount No
Safety device discount Yes
Special employment discount No
Usage-based discount No
Other discounts
Rideshare coverage No
SR-22 coverage
Temporary & short term coverage Yes

Where is Root car insurance available?

  • Arizona
  • Arkansas
  • Colorado
  • Connecticut
  • Delaware
  • Georgia
  • Illinois
  • Indiana
  • Iowa
  • Kentucky
  • Louisiana
  • Maryland
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • New Mexico
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • South Carolina
  • Tennessee
  • Texas
  • Utah

Root plans to launch in Alaska, Connecticut, Hawaii, New Hampshire, North Carolina, and West Virginia soon. Root added three new states in two months at the time of writing, so the company is growing quickly and plans to continue to expand its availability. To learn about availability for your own state, sign up for notifications online.

Is Root legit?

Yes, Root Insurance is a legitimate insurance company accredited by the BBB and backed by state insurance funds,, just like big national insurers. Root’s a startup company founded in 2015

The company’s not out to scam drivers or pull a bait and switch with low rates you can’t actually qualify for. You won’t get personalized support from an agent, but you can call customer support almost any time, and the easy claims process is all done online.

How does Root car insurance work?

Root’s innovative app determines your rates based on how you actually drive. Using your smartphone’s accelerometer and GPS, the Root app can determine your speed, mileage, hours driven, braking distance and more.

Safe, low-mileage drivers often report in customer reviews that they save a lot of money by switching to Root. Drivers who can’t get good rates with other insurance companies are also good candidates for Root, including high risk drivers, young drivers and drivers with sports cars.

How does Root decide my car insurance rate?

Your test drive is the largest factor that Root considers when putting together your policy and price, except in California where telematics-based rates are illegal. But, to a lesser extent, Root also considers your driving record, general demographics and your overall credit history — factors more traditional insurers use too.

If your driving doesn’t meet Root’s requirements, Root will decline offering a quote. You won’t be able to retake your test drive to sign up for a policy.

How does the quote process work?

  1. Download the app. To get started, download the app for Android or iPhone and sign up for your test drive (except in California). You can go to the Root site and click Get the App.
  2. Set up the app. Log in through email or Facebook, and then enable location, motion and notifications. Scan your driver’s license and enter any other personal information.
  3. Take your test drive. Root’s app will monitor your driving habits for two to three weeks to decide your rate, though some drivers require anywhere from one to four weeks to set a rate.
  4. Keep track of your score. You can keep track of how you’re doing during the test drive with the app’s Driver Scorecard, which rates how well you break, turn and maneuver down the road. The app suggests ways to improve your driving score.
  5. See your score. After you’ve logged enough trips for a score, Root rates your driving on a scale of 1 to 10. If it’s lower than you’d like, use the remaining time in your test drive to improve your score.
  6. Get your custom rate. Root then calculates a quote and presents a policy that matches your on-the-road behaviors if your score meets Root’s criteria.

Am I covered while I take the test drive?

Yes, Root offers flexible options depending on whether you’re currently insured or need same-day coverage. To get insured from day one, you’ll get a temporary 60-day policy and rate. After your 30-day test drive, you’ll see your final rate and have 30 days to decide whether to sign up.

If you’re already insured and are still considering options, stick with your current insurer until after you’ve completed your test drive and gotten your final quote. Then you can decide whether to make the switch. You can even cancel your current insurance and let your lender know you’ve switched through the Root app.

What car insurance can I get from Root?

Root offers a full range of liability, collision and comprehensive coverage. The app also allows you to see how limits can affect your monthly rate, which comes in handy when narrowing down the coverage you want at a rate that fits your budget. Many drivers who switch to Root report that they can increase their limits for less than the cost of their current insurance, according to several Reddit threads.

  • Bodily injury. Covers injuries to others that result from an accident you caused. Choose a limit up to $250,000 per accident.
  • Property damage. Protects you if you damage another person’s property in an accident. Choose a limit up to $250,000 per accident.
  • Collision. Covers damage to your vehicle caused by an accident
  • Comprehensive. Pays for repairs if your car is damaged by something other than an accident — for instance, fire or vandalism.
  • Medical payments. Pays for medical care after an accident, whether you’ve collided with a car, a bike or a tree.
  • Personal injury protection. Covers medical expenses, lost wages and other indirect costs for you and your passengers after an accident.
  • Uninsured/underinsured motorist coverage. Pays for car repairs if you’re in an accident caused by a driver without sufficient insurance.
  • Uninsured motorist property damage. Covers damages to your car if you’re hit by an uninsured driver.
  • Rental reimbursement. Pays for you to rent a car or otherwise get around while yours is in the shop for repairs after an accident.
  • Roadside assistance. Included free with every policy except in California. Reimburses you for towing, jump-starts and emergency assistance on the road. Just send photos of receipts to Root’s customer service.

What discounts can I get with Root?

For qualifying customers, Root Insurance offers a string of discounts and rewards.

Root’s whole premise is rewarding good drivers with low rates. And so it doesn’t offer the discounts that mainstream car insurance providers do, like those for good students.

Like many other startups, Root provides special referral discounts, except in California. If you love the savings you’re getting with Root, invite your friends to sign up through a personalized referral link. Depending on where you live, you could make anywhere from $10 to $100 for each successful referral.

Pros and cons of Root car insurance

Pros

  • Rewards good drivers. When calculating a quote, Root weighs most heavily your overall driving behaviors, rather than demographic information like age or gender.
  • Fast claims. Root processes claims within 10 business days — which is faster than the industry standard of several weeks.
  • Includes roadside help. Root policies include roadside assistance, except in California, easily accessed from the app.

Cons

  • No agents. Root operates out of an app only or with online support. But you can get help each day by phone from 9 am to 11 pm ET or email support@joinroot.com.
  • Limited states. Root services 20 states only at the time of writing, though it plans to roll out nationwide in 2019.

What do customers say about Root car insurance?

Overall, customer have good things to say about their experience with Root Insurance, especially the rates they’ve gotten with this startup — a few saying they’ve saved over $100 a month. Negative reviews focus on inaccurate driving scores on the test drive and billing issues.

At the time of writing, Root earns 4.1 out of 5 stars on the Better Business Bureau (BBB), where it’s accredited since January 2017. A good sign of solid support: Root reps have so far replied to every negative complaint on the site.

How to contact Root Insurance

If you’re not able to get the help you need through the app’s support menu, you have options to speak with a representative, depending on your needs:

  • General questions. Contact Root Insurance’s customer support team at 866-980-9431 weekdays from 9 am to 5 pm ET or email support@joinroot.com.
  • Claims assistance. Call 844-867-2514 at any time.
  • Roadside assistance. Call 855-982-1720 at any time.

How do I find a Root Insurance agent near me?

Root Insurance runs all business through its smartphone app or online account management. You’re not assigned a dedicated agent, and you won’t have the opportunity to visit an office to discuss your policy or claim.

Compare Root to other providers

  • Pay by miles driven
  • Low base rates
  • Drive less, pay less

Our top pick: Metromile

Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.

  • Rates from $29/month plus pennies per mile
  • Low-mileage drivers could save $611/year
  • All miles over 250 a day are free
  • Easy app and online claims plus 24/7 support
Promoted
Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Optional
Yes
All 50 states
Drivers over 50 and AARP members enjoy special car insurance pricing and benefits.
52%
AZ, AR, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, TN, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save.

Compare up to 4 providers

Bottom line

Quality auto insurance with good coverage doesn’t have to cost a pretty penny — especially if you’re a responsible driver. But Root Insurance asks you to prove it, requiring you to sign up for a test drive that monitors a few weeks of your driving on the road.

If you’re up for the test, this startup may reward your good driving behaviors with lower rates than you’ll find elsewhere. And so far, its policyholders like what it offers.

If your driving record isn’t as clean as you’d like it to be or you need specialized coverage compare your car insurance options to find a provider that meets your needs.

Common questions about Root car insurance

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14 Comments

  1. Default Gravatar
    Juanita
    June 15, 2019

    So my license will be suspended if I don’t get insurance on the next few days. If I download the app and make the payment being asked would I be able to have any documentation to show my local Dmv that I have insurance?

    • AvatarStaff
      Bella
      June 16, 2019

      Hi Juanita,

      Thanks for your inquiry.

      Once you passed the driving test, have the quotes and make a payment, you can access your insurance through the app and they’ll mail you a physical copy of your policy and coverage that you may show in your local DMV.

      I hope this helps.

      Kind regards,
      Bella

  2. Default Gravatar
    Chris
    April 16, 2019

    Can I get a sr22

    • AvatarStaff
      nikkiangco
      April 17, 2019

      Hi Chris,

      Thanks for getting in touch! To know if you can get an sr-22 from Root is to take a test drive and get a quote, you need only your driver’s license and basic personal information. When it’s time to sign up for a policy, you’ll provide your Social Security number, banking details and vehicle information. To know the exact requirements of Root, I suggest to contact them directly.

      Hope this helps!

      Best,
      Nikki

  3. Default Gravatar
    Georgia
    April 3, 2019

    Are there any actual reviews on ROOT Insurance? I don’t feel comfortable providing my personal information online to anyone. How can I get the assurance that this company is legit?

    • AvatarStaff
      Joshua
      April 4, 2019

      Hi Georgia,

      Thanks for getting in touch with Finder. I hope all is well with you. 😃

      Root is a registered and legitimate company which is accredited by the BBB. There have already been hundreds of people who have used Root. Moreover, to help you know more whether your information is safe with them or not, I highly recommend that you read the privacy policy found on their website. Moreover, you can also directly get in touch with Root and get an idea of whether they are truly the company for you or not.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Joshua

  4. Default Gravatar
    Sir
    February 19, 2019

    I downloaded the app about 6 weeks ago and I have been driving for about that time and still have not received a quote. Why?

    • AvatarStaff
      Joshua
      February 20, 2019

      Hi Sir,

      Thanks for getting in touch with Finder. I hope all is well with you. :)

      Typically, Root will monitor your driving habits for two to three weeks. If you haven’t received a quote, it could be that you haven’t logged enough trips for a score or it could also mean that you didn’t pass their test drive.

      Since we don’t represent Root, I can’t exactly tell you the reason you haven’t received a quote yet. It would be best to directly get in touch with Root to learn more.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Joshua

  5. Default Gravatar
    Josh
    February 17, 2019

    Does Root cover motorcycles?

    • AvatarStaff
      Jhez
      February 18, 2019

      Hi Josh,

      Thank you for your comment.

      Root does not cover motorcycles, ATVs, exotic, or commercial vehicles at this time. They’re working on dominating the personal vehicle industry at the moment.

      Alternatively, you may check other motorcycle insurers on this page.

      Regards,
      Jhezelyn

  6. Default Gravatar
    Do
    October 20, 2018

    Do you cover RVs?

    • AvatarStaff
      nikkiangco
      October 22, 2018

      Hi there,

      Thanks for your inquiry!

      Root doesn’t cover motorhome at the moment. If you’d like more options, you can review our page on motorhome insurance.

      As a friendly reminder, carefully review the Product Disclosure Statement of the product before applying. You may also contact the insurance provider should you have any questions about their policy.

      Regards,
      Nikki

  7. Default Gravatar
    Mahesh
    August 1, 2018

    Does the root Insurance have a full coverage?

    • AvatarStaff
      nikkiangco
      August 1, 2018

      Hi Mahesh!

      Thanks for leaving a question on our page.

      Yes, Root Car insurance offers full coverage. This includes liability, collision, and comprehensive coverages.
      To know more information about this, simply visit their website.

      If you need more options for car insurance, you may go to this page.

      Hope this helps!

      Regards,
      Nikki

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