Root Car Insurance Review for 2025 [See Rates & Discounts Here]

This Root car insurance review covers how the company offers personalized rates starting at $16 per month based on your driving behavior.

Root Insurance Car Insurance Rating

Rating Criteria
Overall Score	3.9
Business Reviews	3.0
Claim Processing	4.5
Company Reputation	4.0
Coverage Availability	4.4
Coverage Value	3.8
Customer Satisfaction	1.7
Digital Experience	4.0
Discounts Available	3.7
Insurance Cost	4.1
Plan Personalization	4.0
Policy Options	3.4
Savings Potential	3.9

Root Insurance Company uses a mobile app to track your driving, potentially lowering rates for safe drivers. While ideal for tech-savvy drivers, those with poor driving records may face higher rates.

Root’s app makes it easy to manage policies and claims, making it simple to understand how to file a car insurance claim, but it’s still smart to compare quotes for the best deal.

Save money on car insurance today. Enter your ZIP code above to use our free quote tool to compare rates from leading providers in your area.

Root Insurance Monthly Rates by Coverage Level and Driving Record

Root’s rates vary by age and gender, with younger drivers paying more. A 16-year-old male pays about $130 for minimum coverage and $230 for full coverage.

Root Insurance Car Insurance Monthly Rates by Coverage Level

In contrast, a 45-year-old male pays as low as $16 for minimum and $43 for full coverage.

Root Insurance adjusts pricing based on driving history. Drivers with clean records pay around $23 monthly.

A single ticket raises the rate to $29, while one accident or DUI can increase rates to $34 and $40, respectively. Therefore, it is essential to compare the best car insurance for a bad driving record.

What to Know About Root Auto Insurance

Every car insurance company calculates premiums differently, but all are based on criteria such as location, age, and even your job. As its name implies, Root gets to the origins of what matters regarding premiums—how well you drive.

Dubbed by Forbes as “real-time, context-based” insurance, Root launched as a startup originally for Tesla owners but has since expanded and now offers lower coverage to drivers of any vehicle.

Founder Alexander Timm has over 14 years of experience in the insurance industry. He understands what works and where it needs improvement—including questions drivers often ask, like how far back do car insurance companies look. He started Root to make insurance more straightforward and more driver-focused.

How Does Root Car Insurance Work

Root embraces modern times and uses technology to determine precisely how well you drive, which reflects the results in the cost of your car insurance. When you download the app, you must take a driving test for Root Insurance to determine your eligibility.

Root will test your driving abilities based on braking, smoothness, and traffic habits using your smartphone’s GPS and motion sensors.

An AI will evaluate your results to determine whether Root offers you a quote, making finding free car insurance quotes online easier and more personalized.

Who is Root Car Insurance Good for

Root is a solid choice for safe drivers seeking lower car insurance rates. Its pricing is based mainly on driving behavior, not demographics like age, gender, or location. Root uses a mobile app to track habits, placing drivers in risk pools based on real data.

Is Root Insurance Legit?
byu/FloridaPerson1553 inInsurance

With over 12 million app downloads and 20 billion miles of driving data, Root’s algorithm often delivers more affordable rates for drivers unfairly penalized by traditional insurers. If you’ve asked, “Do all car insurance companies check your driving records?” Root may be a better fit, especially if you usually receive high quotes.

Root Car Insurance Explained

Car insurance is costly, and more drivers are considering alternatives to cut costs. Root simplifies coverage with no agents or phone calls, offering policies entirely through its app. It also provides options like gap insurance for added financial protection.

Despite having a great website design filled with helpful information and explanations, all the insurance work happens on your Apple or Android device. Root claims it can save good drivers up to 52 percent on car insurance, but how? Is Root a legitimate insurance company, considering it sells coverage through an app? If you’re asking if you need gap insurance on a used car, how does that factor into what Root offers?

Root Insurance Availability

Based in Columbus, Ohio, Root is expanding nationwide to offer cheap car insurance, with recent coverage additions in Kentucky and Philadelphia.

Root car insurance is available in 17 states, including Arizona, Arkansas, Delaware, Illinois, Indiana, Iowa, Kentucky, Louisiana, Mississippi, Missouri, Montana, New Mexico, Ohio, Oklahoma, Pennsylvania, Texas, and Utah.

Root Insurance Options

They offer many of the significant types of car insurance coverages required by the state and needed by drivers. Here’s a complete list of their offerings:

Root offers the liability coverage required in every state and additional coverages every driver should have, like comprehensive and collision. Additional offers, like underinsured motorist coverage and personal injury protection (PIP), will keep you secure in the event of an accident.

Roadside assistance is included with every package, so you won’t have to worry about being stranded. Optional rental insurance makes it easier to afford to get back on the road while your car is in the shop.

Root Insurance Discounts

You know about discount programs at other auto insurance companies. The difference between Root Insurance and its larger competitors is that its entire model is based on giving you discounts.

Instead of installing a device, downloading a separate app, or waiting an entire policy period to find out what you can save, Root offers instant car insurance discounts through its main app. Your savings, including the best car insurance discounts, are applied to all your coverages as soon as you’re eligible.

Root Pay-as-You-Go Car Insurance

Some people only need temporary coverage. Root’s auto insurance allows you to pay as you go. You can sign up and pay for your insurance monthly or switch to one payment every 6 months. If you switch to a six-month payment plan, you won’t be able to switch packs until the policy’s 6-month renewal.

Even if you choose a later start date for your policy, payments are deducted immediately, so make sure you’re serious about switching to Root before you buy from them. Gain deeper insights by perusing our article titled “Pay-As-You-Go Car Insurance.”

How to Get a Root Insurance Quote Online

Root wants to take the work out of car insurance. Everyone needs it, but that doesn’t mean it should be such a chore (or a bore).

You’ll find out whether or not you’re eligible for coverage, and then Root will walk you through the buying process. It’s fast, easy, and by far the most modern car insurance company we’ve seen so far.

Of course, just because Root insurance is easy to buy doesn’t mean you should jump in immediately. You still need to shop smart and understand what affects a car insurance quote to ensure you save money without losing valuable coverage. Download the Root app on the Apple App or Google Play store to get a quote and start your test drive.

Save Money  by Comparison Shopping

Enter your zip code below and get matched with personalized auto insurance quotes. Why enter the same information repeatedly on car insurance websites when you can be one and done with our site? We encourage you to take some time, explore our articles, and learn about car insurance coverage and the buying process.

Like Root, we believe auto insurance should be easy to find and affordable. Good drivers deserve fair premiums, and if you’ve ever asked, “Is it worth claiming a scratch on your car insurance?” You’re in the right place. Stick around and start saving.

Compare Cheap Root Auto Insurance Quotes Online

Root calculates premiums based on your driving habits. If you have a clean driving record and are looking for an alternative to traditional insurance, Root may be a good choice. You’ll need to complete a driving test via your smartphone to get a quote.

Root is reshaping the insurance industry with technology. Check our Root car insurance review to decide if it’s the right choice. Not interested in the driving test? Didn’t qualify? There are other options available. Enter your ZIP code above for free quotes from multiple insurers.

Step #1 – Get the Scoop on Root

Visit ViRoot’s site to learn what makes them tick. The site is easy to follow and includes a precise quote and purchase process breakdown, which can help you understand your car insurance policy.

Step #2 – Explore Coverage Options

There’s no point in applying for a quote without knowing what it’s for, right? Check Root’s auto insurance coverage options page to see how it stacks against the best car insurance companies. Learn about the different types of coverage they offer, including some you might not have known about.

Step #3 – Make Sure Your State Is Covered

Root is a growing company, so it isn’t available in every state yet. On the availability page, you can get a complete overview of all the states Root currently services, a glimpse of where it’s headed, and car insurance definitions to help you better understand the coverage offered in each state.

• Arizona
• Arkansas
• Delaware
• Illinois
• Indiana
• Iowa
• Kentucky
• Louisiana
• Mississippi
• Missouri
• Montana
• New Mexico
• Ohio
• Oklahoma
• Pennsylvania
• Texas
• Utah

Step #5 – Create an Account

You can sign up for a Root account on the site and use it to log in to the app. You’ll need this to get your quote from one of the cheap car insurance companies that beat quotes.

Step #6 – Download the Root App for Car Insurance

Head over to the App or Google Play Store (depending on your phone) and download the Root Car Insurance app. For a comprehensive understanding, consult our article “Driving Device/App Car Insurance Discounts.”

Step #7 – Take the Driving Test

Rather than having you waste time answering a bunch of questions to give you a generic rate, Root calculates your premium based on how well you drive, taking into account factors more relevant than just asking how much parking tickets affect car insurance rates.

Step #8 – Buy a Policy

Root auto insurance policies are renewed monthly. This company is an excellent option if you’ve been looking for temporary car insurance.

Step #9 – Customize Your Coverage

When you buy a policy, Root lets you choose different types of insurance coverage and adjust the limits of each. You can check out your state’s requirements, but we suggest going higher than the bare minimum to guarantee coverage in the event of an accident. You can also compare monthly car insurance options to find the best coverage.

Step #10 – Find More Ways to Save

Root has a comparison page that showcases its best features against the competition.

Their services and ratings are displayed, along with different measurements they use to gauge themselves against other car insurance companies, helping you understand how car insurance table ratings can affect your car insurance rates.

It’s a relatively unbiased and helpful presentation that can highlight some key comparison topics you may overlook if you’re still. If you are convinced or want to know what’s available, let us help. Enter your ZIP code on our site to get free car insurance quotes. We can also help you contact an insurance agent immediately and receive one-on-one counseling to find the perfect coverage.

Root Insurance Is a Legitimate and Licensed Provider

Understandably, you’d wonder if Root insurance is real since you bought it on an app. We did our homework. You’re worried that Root Insurance could be a scam. The Better Business Bureau accredits Root. Root’s insurance rating from the BBB is an A+.

Root insurance customer reviews matter, too, especially when evaluating factors like your car insurance deductible. At the time of this review, the company was rated 4.5 stars on the App Store and 4.4 on the Google Play Store, with over 10,000 combined ratings.

Root Insurance Performance: Customer Satisfaction & Complaints

Root Insurance earns strong marks across major industry rating agencies. J.D. Power scores 850 out of 1,000 for above-average customer satisfaction, and the Better Business Bureau gives Root an A+ for its excellent business practices.

Root Insurance Business Ratings and Consumer Reviews

Agency
	Score: 850 / 1,000 Above Avg. Satisfaction
	Score: A+ Excellent Business Practices
	Score: 78/100 Good Customer Feedback
	Score: 0.85 Fewer Complaints Than Avg.

Consumer Reports rates it 78 out of 100, indicating solid customer feedback. According to NNARoots, the complaint index stands at 0.85, receiving fewer complaints than the industry average. Customer satisfaction ratings like these often reflect better service and more reliable experiences with car insurance companies.

Pros and Cons of Root Car Insurance

Root Insurance appeals to drivers who want pricing based on their driving style. Here’s a quick look at the benefits and drawbacks.

Pros

• Low Starting Rate: Some drivers qualify for rates starting at $ 16 monthly.
• Driving-Based Pricing: Uses app-tracked habits to set premiums fairly.
• Simple Claims Process: File and track claims easily through the mobile app.

Cons

• Not Offered in Every State: Availability is limited based on location.
• No Local Agents: Customer support is primarily digital, with no in-person service.

Root is best suited for safe, app-friendly drivers looking for a budget-conscious policy based on real behavior. If you’re wondering, “Does car insurance cover excluded drivers?” it’s essential to understand how Root handles exclusions to ensure you’re fully covered.

Root’s Data-Driven Approach to Modern Auto Insurance

Root car insurance sets rates based on driving behavior, not demographics. Founded in 2015, Root Insurance Company uses mobile telematics and has gathered 20 billion miles of data to determine pricing. For those looking for the best car insurance comparison websites, Root’s app allows users to get a policy in under a minute, manage coverage, and file claims.

Its machine learning claims system speeds up payouts and improves accuracy. Root operates in 35 states and became the first fully mobile-based licensed insurer. The company went public with Ohio’s largest IPO, offering API integrations for partners to embed insurance directly into other services. Ready to find lower car insurance rates? Use our free tool to compare offers from top providers in your area by entering your ZIP code below.