Root Auto Insurance Review in 2024 (See Actual Rates)

This Root auto insurance review will detail how the company has offered personal rates through telematics—with some quotes as low as $31 per month.

Root differentiates itself by using an app to monitor behind-the-wheel habits, so if you log fewer miles or prove to be a better driver, you can get cheaper rates. Uncover more by delving into our article entitled “What is auto insurance?“

Root Auto 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	3.3
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 allows you to customize your coverage and roadside assistance, is backed by Progressive, and has an A+ BBB rating. Start saving on your auto insurance by entering your ZIP code and comparing quotes.

Compare Root Auto Insurance Rates to Top Providers

Safe drivers typically get lower rates through Root car insurance than traditional insurers. We compare Root Insurance Company to its most frequent competitors here:

Root vs. Competitors: Minimum Coverage Auto Insurance Average Rates

Insurance Company	Monthly Rates
	$61
	$44
	$53
	$30
	$68
	$44
	$39
	$31
	$33
	$37
	$22

Root’s telematics-based pricing could make It a better choice than other insurance companies for some low-mileage or safe drivers, but risky behind-the-wheel types may find more affordable quotes in any other case. Explore further in our article titled “What are auto insurance benefits?“

Root Auto Insurance Review 

On the other hand, Root Auto Insurance is a new insurance company that utilizes telematics technology to follow your driving behaviors and provide personalized rates. This Root auto insurance review provides information on the cost of coverage, how it compares to competitors in the marketplace, discounts available, and customer feedback.

Before deciding if Root car insurance suits your needs, here’s everything you need to know. Delve into the specifics in our article “Auto Insurance for Different Types of Drivers.”

Root Auto Insurance Monthly Rates by Coverage Level, Age, & Gender

Root auto coverage bases insurance rates on individual driving behavior. Root tracks your driving habits, watching how you drive and the time of day with a smartphone app. 

Root Auto Insurance Monthly Rates by Coverage Level, Age, & Gender

This model allows better drivers to get lower rates based on usage. Our article, “Best Auto Insurance for Good Drivers,” dives into the details.

Root Coverage Options

Root vehicle insurance offers standard coverage options similar to most major auto insurers:

• Liability Coverage: This covers bodily injury and property damage you may cause to others in an accident.
• Collision Coverage: Pays for damages to your car in a collision.
• Comprehensive Coverage: Covers non-collision incidents, such as theft or weather damage.
• Uninsured/Underinsured Motorist: Protects you if an uninsured or underinsured driver hits you.
• Roadside Assistance: All policies include services like towing and tire changes.

While Root auto coverage provides these basic options, some coverage types, such as rental car coverage or gap insurance, may only be available in some states. For a comprehensive understanding, consult our article, “Do all auto insurance companies offer the same thing?“

Root Auto Insurance Monthly Rates by Driving History

Root Auto Insurance adjusts its monthly rates based on your driving history. Factors like accidents, DUIs, and tickets can increase premiums, while a clean record results in the lowest rates.

Driving history significantly impacts Root Auto Insurance rates, with clean drivers enjoying lower premiums and those with violations paying more for coverage. Enhance your knowledge by reading “Is auto insurance per car or person?“

Root Available Discounts

Though Root does not advertise many traditional discounts like other insurance companies, the most significant “discount” comes from driving safely. Since Root car insurance bases your rates on how you drive, maintaining good driving habits can significantly reduce your premium.

Root Auto Insurance Discounts

Root’s pricing model acts as its primary discount system, unlike traditional insurers. Our article “Auto Insurance Premium” will help you better understand the topic.

Root Customer Reviews

Customer reviews for Root Insurance Company are mixed. While many customers appreciate the affordability and ease of managing policies through the app, there are frequent complaints about poor customer service, prolonged claims processing, and difficulty reaching support.

Expand your understanding with our article, “How to Get Fast and Free Auto Insurance Quotes.”

Root Business Review

Commercially, Root Insurance Company is a new player in the insurance game that uses telematics to disrupt traditional coverage models. Nevertheless, the company’s customer service remains a sore point. Root has yet to receive a rating from A.M. Best, one of the largest credit-rating agencies in the U.S.

Root Insurance Business Ratings & 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.

That, combined with its higher-than-average complaint amount, points to policyholders’ problems getting claims or customer service issues straightened out. Root’s mobile app has long been lauded for its simplicity despite these hurdles regarding a next-gen insurance product.

It allows customers to manage their policy, keep tabs on how they’re driving, and file claims all in one place. For additional insights, refer to our “How to Buy Auto Insurance Online Instantly.”

Pros and Cons of Root Auto Insurance

Root Auto Insurance offers affordable rates for safe drivers with its app-based, telematics-driven model. However, it has limitations in customer support and availability.

Pros

• Affordable for Safe Drivers: Root’s telematics-based pricing can result in significant savings for those with good driving habits.
• App-Based Experience: Root’s mobile app makes managing policies and tracking your driving easy.
• Roadside Assistance Included: All policies include roadside assistance, which can be a bonus for frequent travelers.

Cons

• Limited Customer Support: Numerous complaints about poor customer service and slow claim processing.
• High Rejection Rate: If Root’s telematics data labels you as a risky driver, you may be denied coverage.
• Only available in some states: Potential customers should verify availability in their state.

Root Insurance is excellent for safe drivers seeking low premiums, but customer service issues and limited availability could be drawbacks. Our article “Can a private auto insurance company meet my needs?” will help you gain a deeper understanding.

Understanding Root Auto Insurance Review 

Based on this Root auto insurance review, the company is worth considering if you are a safe driver looking for reasonable, individualized coverage. Its telematics, or pay-as-you-go model, could save those who deserve it a lot of money.

Although Root auto coverage offers favorable rates and the convenience of an app, it could improve in terms of customer service complaints and a higher reject rate for high-risk drivers.

If insurance companies and their assessment parametric options confuse you, or if other holistic players are too expensive for your type of driving, then maybe Root, a new kind of car insurance, is the sort of offer that may suit (and save on) what it takes to drive around safely.

Some may prefer more options in comprehensive support and coverage elsewhere; you should look into some of the bigger guys. Find out more by reading our “Types of Auto Insurance.” Get fast and cheap auto insurance coverage today with our quote comparison tool.