Root Auto Insurance Review (2024)

What You Should Know About Root Insurance

Root auto insurance may be a good fit if you’re a safe driver searching for cheap auto insurance coverage. Root Insurance offers auto insurance coverage in several U.S. states, and the company keeps customers’ rates low by assessing their driving styles.

To get a Root insurance quote, drivers allow the Root car insurance app to monitor specific driving habits and tendencies for a few days to a few weeks. During this process, the company assesses the person’s safety behind the wheel and determines a rate that matches their driving style.

Read our Root car insurance review to compare rates and learn how to get affordable usage-based auto insurance.

Root Auto Insurance Customer Reviews and Complaints

Root has an A+ rating with the Better Business Bureau (BBB), but Root car insurance reviews from customers suggest the company has room for improvement.

Root insurance reviews with the BBB show customers filed 115 complaints in the last year and over 350 in the last three years. Many Root insurance complaints mention poor claims handling alongside unauthorized bills and charges.

If you’re considering applying for Root, read through some customer complaints before committing to a Root car insurance policy.

Pros and Cons of Root Auto Insurance

Some of the benefits of a car insurance policy with Root include:

• Low rates
• SR-22 filings
• Extensive app functions
• Discounts for safe drivers
• Roadside assistance

Still, there are some drawbacks to Root auto insurance, including:

• A possibility you won’t receive coverage
• Only available in certain states
• Numerous customer complaints
• No options for new car replacement or vanishing deductibles

Depending on where you live, you may be unable to purchase a Root car insurance policy. However, even if it’s available in your state, you should consider other options before committing to Root as your insurance provider. For example, compare Root vs. State Farm auto insurance to see which offers the best rates, coverage types, and discounts.

How Root Usage-Based Auto Insurance Works

Root may seem similar to other car insurance companies in many ways. For example, the company offers standard auto insurance options, allows policyholders to customize their policies, and ascribes lower auto insurance rates to individuals considered safe drivers.

Still, one thing sets Root apart from competitors — your driving habits primarily determine your Root auto insurance rates.

While Root considers other factors when determining a driver’s insurance rates, the company pays more attention to your driving habits than any other factor. For example, most companies consider driving history when setting rates, but Root evaluates driving habits before potentially offering coverage. Read more about the factors that affect auto insurance rates.

The company may deny you coverage if you drive poorly during the Root insurance evaluation period. Additionally, if Root Insurance Company decides you’re not a safe driver, you can’t reapply for coverage.

How to Sign Up for Root Auto Insurance

To get a Root car insurance quote, you must complete a two or three-week test drive. You can sign up for the test drive via the Root website or by downloading the company app. Once you’ve signed up, Root will monitor your driving before potentially offering you coverage.

Below is a list of driving habits monitored by the Root auto insurance app:

• Hard braking
• Time of day you drive
• Speed during turns
• Miles driven
• Driving routes
• Acceleration patterns

The app uses your smartphone to track your driving habits before Root agents decide whether you’re eligible for coverage.

After the monitoring period ends, Root insurance will decide whether to approve you for coverage. Root’s website says it only insures good drivers, meaning people who get a Root auto insurance quote will likely enjoy low rates.

Compare Different Types of Root Auto Insurance Coverage

Root coverage options vary by state, so call the Root Insurance phone number to learn more about your options. Generally, Root offers the following coverages to its policyholders:

• Bodily injury liability auto insurance
• Property damage liability auto insurance
• Medical payments coverage
• Personal injury protection (PIP) auto insurance
• Uninsured/underinsured motorist coverage
• Collision auto insurance
• Comprehensive auto insurance
• Roadside assistance
• Rental car coverage

Root may not offer gap insurance or other optional coverages in your state, but speaking with a Root insurance representative could help you better understand whether the company would work for you.

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— AutoInsurance.org (@AutoInsurance) June 1, 2023

Keep reading this Root car insurance review to compare average rates and find the best deal in your area.

Compare Root Auto Insurance Rates

Interested individuals must complete the Root insurance driving evaluation process before getting an online quote. The company tends to offer fairly low rates for coverage, but your driving habits will determine your potential rates and whether the company is willing to cover you.

To get started, let’s look at the full coverage car insurance rates across the U.S.

Root vs. Competitors in Minimum Coverage Monthly Auto Insurance Rates

Explore the landscape of auto insurance affordability with our detailed comparison of minimum coverage rates from leading insurers. Discover how Root stands out as a cost-effective choice, challenging the norms in this overview of monthly premiums. The table below shows the minimum coverage rates from top insurance companies.

If you’re interested in Root auto insurance, you can always call the Root car insurance phone number in your state to speak with Root insurance customer service. However, a representative will likely tell you that your driving evaluation will impact your rates.

In addition to monitoring your driving habits, Root auto insurance also considers the following factors when determining your auto insurance rates:

• ZIP code
• Credit score
• Driving record
• Marital status
• Vehicle make and model
• Age
• Prior insurance information

If you believe you’re a good driver and your evaluation would reflect that, it’s a good idea to consider pursuing a policy with Root to get cheap car insurance rates.

Compare Root Auto Insurance Discounts

Root insurance offers its policyholders a few discount options on coverage, including multi-policy, paid-in-full, safe driving, and autosteer (for Tesla drivers) discounts.

Read More:

• How to Get a Pay-in-Full Auto Insurance Discount
• How to Get a Good Driver Auto Insurance Discount
• Electric Vehicle Auto Insurance Discounts
• Best Auto Insurance Companies for Teslas

Root doesn’t clarify how much policyholders could save with auto insurance discounts. Still, if you have a policy with Root, it’s a good idea to call the Root insurance number and ask a company representative whether you qualify for coverage discounts. You should also read more about how to save money by bundling insurance policies with Root.

Understanding Root Auto Insurance Reviews

Root insurance offers lower-than-average rates to its auto insurance policyholders by monitoring their driving habits and techniques before offering a policy. So if you’re a safe driver who avoids distracted driving and doesn’t mind Root monitoring your driving, Root could be a good fit for you.

If you want more robust coverage, or if you don’t want a company to monitor your driving, you shouldn’t consider Root for your insurance needs. Instead, you can find and compare cheap quotes from the best auto insurance companies in your area.