Root car insurance review (Updated) | finder.com

Root car insurance review

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Root
  • Roadside help
  • Driver rewards
  • Fast claims
Learn more Go to site

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.
States served Arizona, Arkansas, Colorado, Delaware, Georgia, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maryland, Mississippi, Missouri, Montana, Nebraska, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Texas, Utah
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 No
Temporary & short term coverage Yes

Where is Root car insurance available?

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

Root plans to launch in Alaska, California, Connecticut, Hawaii, Nevada, New Hampshire, North Carolina, Tennessee, Virginia and West Virginia soon. Root added four new states in six 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.

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 want at a rate that fits your budget.

  • 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. Reimburses you for towing, jump-starts and emergency assistance on the road. Just send photos of receipts to Root’s customer service.

How does Root car insurance work?

Root designed its innovative app to do most of the work. Using your smartphone’s accelerometer and GPS, the app can determine your speeds, distance and overall skill over the course of your test drive. It also monitors the hours you’re typically behind the wheel, ranking daylight driving safer than at night.

  1. Download the app. To get started, download the app and sign up for your test drive.
  2. Take your test drive. Root’s app will monitor your driving habits for two to three weeks, though some drivers have reported a longer test drive period to correctly calibrate a rate.
  3. 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.
  4. 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.
  5. Get your custom quote. Root then calculates a quote and presents a policy that matches your on-the-road behaviors.

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. But, to a lesser extent, it 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.

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. 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. All Root Insurance policies — including basic liability — include roadside assistance, easily accessed from the app.

Cons

  • No agents. Root operates out of an app only. 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.

How to apply for Root

To get started with your test drive, download Root Insurance’s free app and sign up in minutes.

  1. Go to Root Insurance’s site and click Get the app at upper right.
  2. Enter your phone number and click Text me a link to the app.
  3. After you download the app, open it and click Get started.
  4. Choose whether you’d like to set up your account by email or through Facebook.
  5. Adjust your settings to enable location, motion and notifications.
  6. Scan your driver’s license and provide your personal contact information.
  7. Start your two- to three-week test drive period, which monitors your driving through GPS.
  8. After Root compiles enough data, they’ll send a note through app to let you know if you qualify for a quote.

What info do I need to apply for Root?

To take a test drive and get a quote, you only need your driver’s license and basic personal information. Signup takes minutes.

When it’s time to sign up for a policy, you’ll provide your personal info, payment details and vehicle information.

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 up to $100 a month. Negative reviews focus on inaccurate driving scores on the test drive and billing issues with coverage.

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. 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

Alternative to Root: Metromile

Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.

  • 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
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AZ, AR, CO, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, 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. Available in 24 states.

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 Responses

  1. Default Gravatar
    JuanitaJune 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?

    • Avatarfinder Customer Care
      BellaJune 16, 2019Staff

      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
    ChrisApril 16, 2019

    Can I get a sr22

    • Avatarfinder Customer Care
      nikkiangcoApril 17, 2019Staff

      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
    GeorgiaApril 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?

    • Avatarfinder Customer Care
      JoshuaApril 4, 2019Staff

      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
    SirFebruary 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?

    • Avatarfinder Customer Care
      JoshuaFebruary 20, 2019Staff

      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
    JoshFebruary 17, 2019

    Does Root cover motorcycles?

    • Avatarfinder Customer Care
      JhezFebruary 18, 2019Staff

      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
    DoOctober 20, 2018

    Do you cover RVs?

    • Avatarfinder Customer Care
      nikkiangcoOctober 22, 2018Staff

      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
    MaheshAugust 1, 2018

    Does the root Insurance have a full coverage?

    • Avatarfinder Customer Care
      nikkiangcoAugust 1, 2018Staff

      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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