Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Nov 19, 2021

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Company Details
President: Alex Timm
Address: 80 E Rich St, Suite 500
City: Columbus
State: Ohio
ZIP Code: 43215
Phone Number: 1-866-980-9431
Toll Free: No Toll Free Number Known
Year Founded: 2015
Market Cap: 1.27B
AM Best Rating: N/A
Company Rating 0 (0 reviews)

The Lowdown

  • Root auto insurance rates start as low as $65/mo
  • Drivers can bundle Root auto insurance with their renters or homeowners policy for a 5% discount
  • Root auto insurance is only available in 31 states and Washington, D.C.

Since 2015, Root auto insurance has been changing the way people pay for their insurance. 

Traditional auto insurance companies allow demographics like gender, marital status, and credit score to impact your rates more than your driving habits. 

Root auto insurance uses telematics to track real-time driving behavior to provide lower rates. With a positive Root insurance test drive score, drivers can pay rates as low as $65/mo. 

Telematics is a usage-based insurance technology that tracks things like speed, hard braking, and mileage. It can help good drivers get more affordable auto insurance, but some programs punish bad drivers with higher rates.

If you’re looking for affordable auto insurance quotes, comparing Root to other usage-based companies in your area can help you get the best rates. 

Keep reading to find out if Root auto insurance is available in your state and how it stacks up to the top auto insurance companies. We also dive into Root auto insurance customer reviews to give you a fair look at its claims process, financial strength, and coverage options. 

This guide compares Root auto insurance rates to other top companies, but if you want to shop for quotes from local companies, enter your ZIP code into our free comparison tool above.

How much are Root auto insurance rates?

If you have a clean driving record and drive less than 1,000 miles every month, you can get quotes as low as $65/mo with Root and other usage-based insurance companies.

Take a look at the table below to see how Root auto insurance rates compare. A.M. Best financial ratings reflect each company’s ability to pay out on claims. Root doesn’t have a rating yet because it’s a smaller company.

Auto Insurance CompanyAverage Monthly Auto Insurance RatesA.M. Best Rating
Root$65N/A
Metromile$65N/A
State Farm$98A++
Progressive$103A+
Travelers$141A+
Allstate$184A+
Nationwide$186A+
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As you can see, Root and Metromile offer similar rates. However, these are averages for 30-year-old drivers with no accidents who commute less than 500 miles per month. Your Root auto insurance quotes will vary based on where you live and if you drive more on a regular basis.

How does Root determine rates?

Insurance rates depend on your Root insurance test drive score. Root tracks real-time driving habits over a three-week period, then considers other demographics, including ZIP code, to calculate your rates. 

While other companies base less than a tenth of your rates on how you actually drive, your driving style accounts for nearly a quarter of your Root insurance quotes.

https://youtu.be/2Ck1ZELwXbQ

The following driving habits determine your Root auto insurance rates:

  • Ride smoothness
  • Time of day
  • Speed and turning speed
  • Hard braking

To get started, you need to download the Root mobile app. Once you enter your Root login, the app will access the GPS in your phone and monitor your driving habits. 

It’s free to participate, and you’re under no obligation to buy a policy after the test drive. If you are eligible for coverage, you will be notified as soon as your test period ends. 

Unfortunately, one of the biggest customer complaints drivers have with Root is being denied coverage after the test drive. While this can be frustrating for some drivers, it’s not something you need to worry about if you’re a good driver, or at least don’t drive very often. 

The good news is that Root auto insurance rates are so competitive because the company does not insure many high-risk drivers.

Since Root auto insurance quotes are based so heavily on driving style and time spent on the road, it frequently denies coverage to high-risk drivers, which keeps rates low.

Does Root offer any auto insurance discounts?

Root does not offer an extensive list of discounts. Instead, Root aims to save their customers time shopping for insurance by automatically factoring your relevant driving and demographic information into your quotes.

Since demographics account for so little of your Root insurance rates, there’s no point wasting time asking about individual discounts.

However, Root does offer two discounts that are quick and easy to determine:

  • Drivers who bundle their Root auto insurance with a homeowners or renters policy get 5% off their rates.
  • Drivers can qualify for up to 10% off their rates after three years of good driving and again after five.

Do you qualify for specific discounts, such as membership or military discounts? Then Root car insurance coverage may not be the cheapest.

It pays to shop around with multiple companies before you buy Root auto insurance to find out where you’ll get the cheapest rates.

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What types of insurance does Root offer?

Root Insurance provides auto, renters, and homeowners insurance policies to customers in participating states. 

Root auto insurance coverage is available in the following states. Note that you can only bundle your auto policy with homeowners or renters insurance in certain states:

StateRoot Auto InsuranceRoot Renters InsuranceRoot Homeowners Insurance
ArizonaYesNoYes
ArkansasYesYesNo
CaliforniaYesNoNo
ColoradoYesNoYes
ConnecticutYesNoYes
DelawareYesNoYes
GeorgiaYesYesYes
IllinoisYesNoYes
IndianaYesNoNo
IowaYesNoYes
KentuckyYesYesYes
LouisianaYesNoNo
MarylandYesNoNo
MississippiYesNoNo
MissouriYesYesYes
MontanaYesNoNo
NebraskaYesNoYes
NevadaYesYesYes
New MexicoYesYesNo
North DakotaYesNoNo
OhioYesYesYes
OklahomaYesNoYes
OregonYesNoYes
PennsylvaniaYesNoYes
South CarolinaYesNoNo
TennesseeYesYesYes
TexasYesNoYes
UtahYesYesYes
VirginiaYesNoNo
West VirginiaYesNoNo
WisconsinYesNoNo
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If Root auto insurance isn’t available where you live, you will have to shop with other pay-as-you-go car insurance companies in your area to find coverage.

Root Auto Insurance

Root auto insurance is available in 31 states (and Washington D.C.) and includes liability-only and full coverage policies. Check out this table for more information on Root auto insurance coverages:

Policy TypePolicy Limits & Deductibles
Liability-only$100,000/$100,000/$500,000
Collision$500 deductible
Comprehensive$1,000 deductible
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Adding collision and comprehensive coverage will raise your Root auto insurance rates. However, Root keeps its deductibles low since it only insures drivers who pass the insurance test. The extra cost upfront for coverage could end up saving you more in the event of an accident.

If you are leasing or financing your vehicle, you will be required to carry full (comprehensive and collision) coverage, making Root an attractive choice for your insurance needs. It’s also an affordable option if you need additional coverages, such as uninsured motorist coverage.

Root auto insurance offers these additional policies for drivers:

  • Up to $10,000 per person in Personal Injury Protection (PIP)
  • Up to $10,000 per person in Medical Payments (MedPay)
  • $30,000/$50,000/$60,000 limits in uninsured/underinsured motorist coverage

Not all of these policy types are required by law. Check with your state insurance laws before you buy coverage.

Root Auto Insurance Add-Ons

Root is the only usage-based insurance company that automatically provides roadside assistance with every policy. It covers up to three services every six months for up to $100 each, including jump-starts, towing, flat tire replacement, and more.

This add-on is included in your Root insurance quotes and does not cost you anything extra.

For an additional cost, drivers can also add Root ridesharing rental reimbursement. In the event of an accident, Root will cover rental or rideshare costs while your vehicle is in the shop. Root will pay $50/day and up to $1,500/accident in rental reimbursement. 

The perk of this add-on is that Root is one of the few companies that allows policyholders to choose between a rental car or rideshare. Since Root auto insurance caters to those who don’t drive very often, a rental car may not be necessary.

However, if you need more customizable options or specialized policies, you’ll be better off comparing auto insurance quotes from other companies.

Root Renters Insurance

Root auto and renters insurance bundles are only available in nine states: Nevada, Utah, New Mexico, Arkansas, Missouri, Tennessee, Kentucky, Ohio, and Georgia.

If you qualify, renters insurance rates are as low as $6/mo.

Root Homeowners Insurance

You can only buy homeowners insurance with Root if you already have an auto insurance policy. If you bundle your policies, you can get up to 5% off your rates. 

Root auto and homeowners insurance bundles are only available in 18 states.

What are Root’s customer service ratings?

Despite its competitive rates and convenient mobile app, most Root auto insurance reviews are negative. 

According to the Better Business Bureau, drivers rate Root customer service as extremely poor (1.29/5). Its NAIC complaint ratio is also high (1.85).

It’s worth noting that most of these complaints relate to the insurance test drive. Denial of coverage after the test and unexpected raising of rates after the first six months are at the top of the list of customer complaints. But if you have good driving habits, you can easily get accepted for coverage at affordable rates.

However, let’s take a closer look at the other customer complaints directed at the Root insurance claims process.

Is the Root insurance claims process complicated?

No. Root insurance claims can be filed directly on the mobile app. 

If you need to file a claim, open up your Root mobile app and follow the prompts. Include photographs of damages and any relevant information, such as where and when the accident occurred and any other drivers’ information.

If you don’t use the mobile app, you can file a Root insurance claim on their website. However, negative Root auto insurance reviews highlight a slow claims department. 

Some customers wait as long as three days before hearing back from an agent after filing a claim. Other customers have a hard time reaching a live agent, with Root customer service directing policyholders back to the mobile app. 

If you need to get in touch with the Root insurance claims department, call the Root auto insurance phone number at 1-866-980-9431. You can call this same number to cancel Root auto insurance.

Agents are only available during business hours between 9 a.m. and 8 p.m., and the offices are closed on the weekends, which could account for the customer complaints. However, being unable to speak with a live agent can be frustrating and a major red flag as you shop for auto insurance.

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Should you buy Root auto insurance?

Root auto insurance rates — starting at $65 per month — are some of the most competitive. Your rates will vary based on where you live and how often you drive, but good drivers are more likely to secure the cheapest rates. 

Since Root uses telematics to test drivers’ habits at the wheel, you can lock in affordable rates by simply following the rules of the road.

You will need a smartphone to use the Root mobile app to track your driving and determine rates. You can also use the app to file claims, change coverage, and track your rates.

However, poor reviews leave much to be desired from Root’s customer service department. Even if you save money on coverage, you may not be able to get in touch with an agent when you need them. You could also see your rates go up for poor driving habits or increased night driving. 

Root auto insurance is best for those who don’t drive often. The less time you spend in the car, the less likely you are to see your Root auto insurance rates go up. If you have a long commute or need more specialized coverage, start shopping with local companies right here. Enter your ZIP code below to get free auto insurance quotes today.