Root Car Insurance Review (2024)

Do you want to purchase Root auto insurance? Root Inc. is a usage-based auto insurance company that uses a smartphone to monitor driving habits and calculate car insurance quotes.

But did you know you can bundle Root car insurance to homeowners or renters insurance? Don’t worry – we’ll show you how to save money on Root auto insurance.

Read this Root car insurance review to learn how much Root car insurance costs, where you buy Root car insurance, and ultimately decide whether Root car insurance is right for you.

Continue reading to learn all about Root car insurance. If you’re ready to compare multiple insurance companies near you, enter your ZIP code in the free online quote tool above.

Root Monthly Rates vs U.S. Average

How much are Root car insurance rates?

Root auto insurance is $65 per month when you have a high driving score. But Root car insurance quotes vary because each driver has different habits. Let’s look at Root’s full coverage auto insurance summary.

Root Car Insurance Coverage Limit Summary

Root car insurance rates are 28% cheaper than the rates projected by the National Association of Insurance Commissioners (NAIC). Raising your coverage limit increases your Root auto insurance rates, but it may be necessary for some states. Different factors determine whether affordable Root auto insurance is available to you. Changes to your car insurance policy impact how much you pay per month.

Is Root car insurance more affordable than other insurance companies?

It depends on factors that determine auto insurance cost. Where you buy your car insurance policy is a major factor. Let’s examine a list of the best car insurance companies in the United States and compare them to Root.

• Allstate – $318/month
• American Family – $224/month
• Farmers – $288/month
• Geico – $179/month
• Liberty Mutual – $398/month
• Nationwide – $229/month
• Progressive – $283/month
• Root – $65/month
• State Farm – $235/month
• Travelers – $287/month
• USAA – $161/month

Root car insurance rates are almost $100 cheaper than USAA car insurance. However, you’ll have to keep excellent driving habits to access affordable Root auto insurance rates.

Does driving history affect Root auto insurance quotes?

Speeding violations, DUI convictions, and accidents drive up your rates. Accidents can increase your rates by 24% on average. But what about speeding tickets and DUIs? Look at the list below to see how speeding violations and DUIs impact Root Insurance and other car insurance companies.

Comparing Root Car Insurance Rates by Driving Record and Company

Root Insurance is more affordable even with an accident, DUI, or speeding violation on your driving record. Speeding violations create the smallest increase in coverage, but DUI convictions can increase your auto insurance rates by over 30%.

Can bad credit affect Root car insurance rates?

Your credit history is also a critical factor when determining Root auto insurance. Bad credit could increase Root auto insurance by 30%. Let’s compare Root car insurance at various credit levels to see how it affects monthly costs.

• Good credit history – $69/month
• Fair credit history – $79/month
• Bad credit history – $96/month

Bad credit car insurance is $429 per month. However, Root auto insurance is $96 a month if you have poor credit, which is $333 less than the national average. Root Inc. suspects that it will suspend credit-based auto insurance by 2025. Maintain safe driving habits to keep affordable Root car insurance rates. (For more information, read our “Can I get cheap car insurance with bad credit?“).

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How does Root car insurance work?

Root auto insurance uses a usage-based insurance system to track driving behaviors and determine monthly costs to customers. Good driving habits are rewarded with more affordable rates.

You’ll go through Root’s test drive phase when you sign up on its mobile app. Potential customers can download the Root mobile app on Apple App Store and Google Play Store.

The Root mobile app tracks driving behaviors to determine eligibility and how much auto insurance rates will cost. Here’s a list of driving habits that Root monitors.

• Night driving
• Turn speed
• Overall speed
• Hard braking
• Miles driven

After the Root test drive phase, you’ll be graded on your performance. High scores can get you approved for a Root auto insurance policy. However, low scores on Root’s mobile app disqualify you.

Read More: Root Property & Casualty Insurance Company Car Insurance Review

How long does Root’s test drive phase take?

Root Inc. uses telematics on its smartphone app to monitor your driving behavior for three weeks. After three weeks of monitoring your driving, Root determines whether you qualify for a Root Insurance policy.

Which car insurance coverages does Root have?

Here’s a list of the auto insurance coverage options you can find at Root Inc.

• Collision coverage
• Comprehensive coverage
• Uninsured/underinsured motorist (UM/UIM) coverage
• Personal injury protection (PIP)
• Medical payments (MedPay)
• Rental car reimbursement
• Roadside assistance
• Bodily injury liability
• Property damage liability
• Rideshare reimbursement coverage
• SR-22 coverage

Root Insurance customers are provided with  roadside assistance when they have an active policy. Root also provides SR-22 for drivers who’ve become high-risk in their respective states. SR-22 is a certification that says you carry the minimum (or greater) auto insurance requirements.

Root customers can receive rental car reimbursement and rideshare reimbursement coverage. Rideshare reimbursement provides a refund for rideshare costs while your car is in the shop.

Does Root Inc. have other insurance products?

Yes, it does. Root Inc. provides home and renters insurance. You can bundle your auto insurance policy renters or homeowners insurance at Root and save hundreds of dollars per year. (For more information, read our “Best Cheap Car Insurance Company That Bundles Home and Auto“).

Where is Root car insurance available?

Root auto insurance has some of the most affordable rates in the nation, but you can’t get coverage in all 50 states. Check out this table to see the complete list of states where Root Insurance policies are available.

Root Insurance Availability

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Root is available in 31 states. The top car insurance companies have a national reach and more insurance products. Even some regional companies have a moderate advantage over the web-based company.

Does Root have car insurance discounts?

Root Inc. doesn’t have many car insurance discounts available to lower rates, but there are some you can use. You can get an auto insurance discount for paying money in advance.

Root Insurance customers can also secure a discount for having more than one policy. Root also provides a 10% car insurance discount for hands-free driving. If you want to save more money per month, consider raising your deductibles to bring down auto insurance rates.

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A Smooth Journey Through Root Car Insurance Claims

Ease of Filing a Claim

Root car insurance offers convenient options for filing a claim. Customers can initiate the claims process online, over the phone, or through the Root mobile app. This flexibility ensures that policyholders can choose the method that suits their preferences and needs. Whether you prefer the convenience of a mobile app or prefer speaking directly with a representative, Root has you covered.

Average Claim Processing Time

Root Insurance aims to provide efficient claim processing. While the specific processing time may vary depending on the nature of the claim and individual circumstances, Root strives to streamline the process to minimize any delays. Customers can expect a timely response and resolution when filing a claim with Root.

Customer Feedback on Claim Resolutions and Payouts

Root car insurance values customer feedback and aims to ensure satisfaction with claim resolutions and payouts. While individual experiences may vary, Root consistently seeks to improve its claims handling process based on customer input. Customer reviews and feedback play an important role in shaping Root’s approach to handling claims, with a focus on fair and prompt settlements.

The Future of Insurance: Root Car Insurance Digital Features

Mobile App Features and Functionality

Root’s mobile app is a central part of its insurance experience. The app not only facilitates the claims process but also offers features for policy management, such as accessing policy documents, making payments, and monitoring driving habits. Customers can enjoy the convenience of managing their insurance on the go through the user-friendly Root mobile app.

Online Account Management Capabilities

In addition to the mobile app, Root provides robust online account management capabilities. Policyholders can access their accounts through the website, allowing them to review policy details, update information, and make changes as needed. This online portal provides a convenient and accessible way to stay in control of your insurance coverage.

Digital Tools and Resources

Root Insurance understands the importance of providing customers with digital tools and resources to enhance their insurance experience. These tools may include educational resources, safety tips, and tools for tracking and improving driving behavior. Root is committed to leveraging technology to empower policyholders with the information and tools they need to make informed decisions about their coverage and driving habits.

What are customers saying about Root car insurance?

The Better Business Bureau (BBB) reports an A+ rating for Root Inc., but the customer reviews for Root show a 1.31-star rating. Root has a total of 362 complaints at the BBB. The BBB also reports 125 of those complaints, but 237 complaints still remain on Root’s BBB profile.

Does Root car insurance have good financial strength ratings?

Root car insurance doesn’t have any financial strength or satisfaction ratings from J.D. Power or A.M. Best. The NAIC gave Root Inc. a below-average rating to its auto insurance department. Despite Root’s cheap car insurance rates, it struggles with gaining a rating from the best rating agencies in the nation.

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Root Car Insurance: History and Mission

Root Inc. emerged as a trailblazer in the auto insurance industry, introducing a disruptive usage-based approach. Founded over six years ago, Root Insurance has been on a mission to redefine how insurance is determined, basing it on individual driving habits.

Their innovative smartphone app, which tracks and analyzes driving behavior, is at the heart of their endeavor to offer personalized and cost-effective auto insurance. Root’s mission is clear: empower drivers through fair and tailored coverage while leveraging technology to make it accessible to a wide range of customers.

Root Car Insurance: Advantages and Disadvantages

Root Inc. is more affordable than most companies, but there are a few things you may have trouble with when you have a policy. Let’s examine Root’s pros and cons.

Root Auto Insurance Pros & Cons

Did we miss anything? You may have found something that we missed. Look through the article again to see how the details fit your situation.

Root Car Insurance: The Bottom Line

Root auto insurance is cheap, but it lacks the financial strength of most top insurance companies.

Root’s usage-based insurance puts customers in control of auto insurance rates. However, if you have too many accidents or a DUI, you’ll be denied by Root’s system.

In addition to other insurance products, you’ll get the same coverage options as the best insurance companies.

Before you buy Root car insurance, use our free online quote tool to compare multiple insurance companies in your area.

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Frequently Asked Questions: Root Car Insurance

Do you want to learn more about Root auto insurance? Read these answers to frequently asked questions to get more details Root Insurance.

#1 – Is Root Insurance a legit car insurance company?

Yes, it is. Root Inc. is the first licensed insurance company that works through a smartphone app.

#2 – How long has Root Inc. been around?

Root Insurance has been in business for over six years.

#3 – Is Root car insurance available 24/7?

Root’s claims department and roadside assistance are available 24/7.

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