This site is a free online resource that strives to offer helpful content and comparison features to our visitors. We accept advertising compensation from companies that appear on the site, which may impact the location and order in which brands (and/or their products) are presented, and may also impact the score that is assigned to it. Company listings on this page DO NOT imply endorsement. We do not feature all providers on the market. Except as expressly set forth in our Terms of Use, all representations and warranties regarding the information presented on this page are disclaimed. The information, including pricing, which appears on this site is subject to change at any time
The main benefit to going with Root Insurance is the potential savings. If you consider yourself a good driver, then all you need to do is prove it. Root calculates a customer’s premium based on how well they drive. According to Root, it can save drivers up to 52% compared to the average insurance premium for their personal profile. The other pro worth mentioning is that Root’s website is very user-friendly and easy to navigate. It contains a comprehensive knowledge center with clear and transparent explanations on how its service works and how it differs from traditional car insurance companies.
The only bad news we can report is that Root isn’t yet available in all states. Root has only been operating since 2018, and is still rolling out its service state by state. Last time we checked, it was available in 24 states (full list in How to Apply). The other downside is that it takes longer to get approved. Root uses its advanced technology to analyze your driving behavior, and it normally takes 2-3 weeks to get back to the applicant with the results. While it might sound like an inconvenience to not be able to purchase coverage instantly, the benefit is that Root could slash your premium in half.
Root’s business model is very different from traditional auto insurance providers, but it offers the same types of standard vehicle coverage you’ll find elsewhere.
Like other car insurers, Root offers a handful of add-ons, including the following.
Where Root really differentiates itself from other car insurance providers is in the application process. With traditional insurers, the applicant fills out details about themselves and their vehicle and waits for a quote. With Root, the applicant takes a driving test and Root analyzes the results to decide whether to approve the applicant – and how much to charge them.
At last count, Root was available in the following states: 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, and Utah.
This is how the driving test works:
Being a tech-friendly company, Root lets its policy holders file claims straight from the Root app. Filing a claim is really simple and takes only about five minutes. If you like to do things the old way, you can also call Root on 866-903-8451 for most claims or 866-903-7243 for glass claims.
Here’s how it works.
Although Root is primarily a mobile-based car insurer, it does offer customer support by phone and email.
It’s not often we get to say this about a car insurance provider, but Root’s business model is truly game changing. Root Insurance does things completely differently from other providers, analysing a person’s driving skills to decide whether to approve them and how much to charge them. It is more difficult to get approved to Root than to other insurance companies. If you’re a good driver, you should have no trouble getting approved, and Root can slash your usual auto coverage costs in half.