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Root Insurance review 2024

Updated Oct 03, 2024
  • At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict ,this post may contain references to products from our partners. Here's an explanation of .Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our .

At a glance

3.1
Rating: 3.1 stars out of 5
Bankrate Score
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Auto

Rating: 3.1 stars out of 5

3.1

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Cost & ratings

Rating: 3 stars out of 5

3.0

Coverage

Rating: 2.5 stars out of 5

2.5

Support

Rating: 4 stars out of 5

4.0

About Bankrate Score

Bankrate's take

Customers interested in digital-focused auto insurance providers specializing in usage-based telematics car insurance may find a good fit in Root Insurance.

  • Primarily uses driving behavior to determine car insurance costs, which could reduce rates in certain cases
  • Investing in after-market anti-theft devices could save you anywhere from 5 to 15 percent on your car insurance, according to Root
  • Can conveniently bundle home and auto insurance policies within the company’s app
  • Roadside assistance is included in every policy except in California and Nevada

Root car insurance review

Root is upfront about its strict eligibility requirements. Only drivers that pass the carrier's test drive will be offered a quote for car insurance. The company’s rationale is that if it only offers coverage to good drivers, every driver that is part of the insurance pool will pay less in premiums overall.

Root car insurance may be a good option for drivers who want their car insurance rates to be based on how safely they drive. This could be an advantage for demographics that typically face high rates, such as young and new drivers. The company has also pledged to remove credit scores as a rating factor by 2025, eliminating further barriers for people to obtain affordable car insurance.

Root car insurance is currently only available in 34 states. To get started, drivers can download the Root mobile app and test drive with it for a few weeks. If drivers pass the test, they will be offered a quote. The company offers the minimum standard coverage options, like bodily injury and property damage liability, but add-on coverage options are fairly limited. Policyholders can opt to add rental car reimbursement as well as uninsured and underinsured motorist coverage. Drivers who prioritize safety may be interested to know that roadside assistance is included on every Root car insurance policy.

Pros and cons of Root car insurance

Comparing benefits and drawbacks for multiple carriers may help you decide which company is the best fit for your insurance needs. Here are some key points we identified with Root car insurance:

Green circle with a checkmark inside

Pros

  • Car insurance rates are based primarily on real-time driving behavior
  • Car insurance policy can be managed through mobile app
  • Credit score might not be used as a rating factor in some states
Red circle with an X inside

Cons

  • Limited add-on coverage options
  • Not rated by AM Best for financial strength or J.D. Power for customer satisfaction
  • Not available in every state and drivers must first pass a initial test drive phase
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 Root car insurance cost

While the average cost of a Root car insurance policy is not available, the national average cost of car insurance is $740 per year for minimum coverage and $2,542 for full coverage. Your car insurance rates may be higher or lower depending on various car insurance rating factors and Root’s proprietary method of calculating rates.

Most insurance experts recommend comparing quotes from more than one car insurance company to find the most affordable rates for your unique situation.

Root customer satisfaction 

When reviewing an insurance company, it may be helpful to get a sense of how satisfied customers are with its insurance products and customer service. This may help give you an idea of what it might be like to be a policyholder. Third-party agencies like J.D. Power, AM Best, Standard & Poor's and the National Association of Insurance Commissioners (NAIC) may provide additional insights on customer satisfaction and financial strength. You might also consider speaking with current policyholders to get an idea of their experience with a carrier. Root does not have much data available on customer satisfaction, and is not scored nor rated with J.D. Power or AM Best.

Root auto insurance customer complaints

The National Association of Insurance Commissioners (NAIC) keeps track of customer complaints and scores companies based on how many complaints they receive relative to other businesses in their industry. One is considered a baseline score that captures the industry average. In contrast, scores above one indicate a higher-than-average level of complaints, and a score below one indicates a lower level of complaints.

For the last three years of available data, Root private passenger insurance has scored consistently above the industry average for complaints.

Root car insurance discounts

Root claims that good drivers can save up to $900 per year by switching to one of its auto policies. Part of Root’s aim to streamline the quoting process is to automatically apply money-saving discounts during the quoting process so that drivers won’t have to check if they qualify. This means that the company does not offer many specifics about its discounts, but lists some common ones that may be factored in during the quoting process. Some of its mentioned discount factors include:

  • Safe driver discount: Drivers must demonstrate safe driving habits to qualify for Root coverage, but policyholders may save on their rates if they demonstrate especially safe habits.
  • Usage-based discount: Root measures your driving habits and range during your test drive period. The company may incorporate a low mileage discount based on how much you drive during this period.
  • Bundling discount: Root may extend a discount to policyholders who carry an auto insurance policy and a homeowners or renters insurance policy with the carrier or its homeowners insurance partner Homesite.
  • Paid-in-full discount: Policyholders who pay their policy premium in full, rather than in monthly installments, may earn a discount.

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Root home insurance review

Root home insurance is offered in 17 states through its partner company, Homesite. Although home policies are not offered directly by Root, customers may be able to use the Root mobile app to manage their homeowners insurance policy and file claims. Homesite offers the standard homeowners insurance coverage like dwelling coverage, personal property and personal liability.

Depending on where you live, you may be able to include other add-ons such as water backup coverage, earthquake insurance, service line coverage and coverage for roof damage due to wind or hail.

Pros and cons of Root homeowners insurance

Finding the best homeowners insurance could be a key part of your financial plan. In reviewing Root homeowners insurance options, it may help to take a closer look at Homesite. Here is a summary of Root homeowners insurance pros and cons may help you decide if it could work for your needs:

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Pros

  • Online quoting available
  • Variety of optional coverage types available
  • Condo and renters insurance also available
Red circle with an X inside

Cons

  • Underwritten by partner company Homesite, not Root itself
  • Only available in 17 states
  • Not rated by J.D. Power for customer satisfaction
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Root home insurance cost

Although Bankrate does not have average premium data for Root or Homesite, the 2024 national average cost of homeowners insurance is $1,687 for $300K in dwelling coverage. You may contact a Root or Homesite agent to get a homeowners insurance quote.

While requesting home insurance quotes, your actual premium may vary depending on factors like the location of your home, square footage, coverage selections and more. Each home insurance company also has its own method for calculating rates, so you likely won’t know your estimated premium until you request a quote.

Root customer satisfaction

Evaluating customer satisfaction with an insurance provider like Root can provide valuable insights into what it might be like to be a policyholder. Third-party ratings from organizations such as J.D. Power, AM Best, Standard & Poor's and the National Association of Insurance Commissioners (NAIC) often offer perspectives on customer satisfaction and financial strength. While Root Insurance lacks extensive data on customer satisfaction and hasn't been scored by J.D. Power or rated by AM Best, considering feedback from existing policyholders and reviewing available customer reviews might offer some understanding of the company's service quality. It's important to approach these reviews with the awareness that individual experiences can vary widely.

Root home insurance customer complaints

The National Association of Insurance Commissioners (NAIC) tracks and scores insurance companies based on customer complaints, with a score of one representing the industry average. Root's home insurance has seen a remarkable improvement in customer satisfaction, achieving perfect NAIC complaint indexes in 2021, 2022 and 2023, indicating fewer complaints than average and a better policyholder experience. Despite not being evaluated by J.D. Power for customer satisfaction, these scores reflect Root's dedication to effectively addressing customer concerns.

Root home insurance discounts

Homesite offers a number of home insurance discounts that may help policyholders save money. These include:

  • Home safety discount: Homes with central monitoring or a direct line to fire or burglar alarms and sprinklers in every room might qualify for this discount.
  • Newer roof discount: Homeowners may qualify for this discount if they have a roof that is less than 10 years old.
  • Age of home discount: Homeowners could earn a discount on their home insurance policy based on the age of their home. Newly constructed homes may be more likely to receive this discount.
  • Retired occupant discount: Homeowners above a certain age or who have retired may be able to add this discount to their policy.

Get personalized home insurance quotes

Answering a few quick questions to check your availability with Root

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Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Compare Root with other insurers

If you're not sure that Root is the best car insurance company for you, you might consider getting a quote from one of the following comparable companies:

Root vs. Lemonade

Lemonade could be a good option if you are looking for another car insurance provider that uses telematics data to calculate your car insurance policy. The company also takes a socially conscious approach by planting trees to offset its customers' CO2 emissions and allowing customers to choose which charities to donate unused premium to. Lemonade also underwrites its own home insurance policies and won our 2024 Bankrate Award for best digital home insurance company. However, Lemonade car insurance is currently only available in Illinois, Ohio, Tennessee, Arizona, Oregon, Washington and Texas.

Learn more: Lemonade Insurance review

Root vs. Allstate

Allstate is a national carrier that also offers its Drivewise telematics program for those who want to earn discounts and further rewards based on real-time driving behavior. As a bonus, drivers don’t need to be an Allstate customer to participate. Allstate also offers an array of home, auto and life insurance products which could be ideal for customers who want to handle all their insurance needs with a single company. Although Allstate also has robust digital tools, the carrier's average rates are significantly higher than the national average.

Learn more: Allstate Insurance review

Root vs. Clearcover

Clearcover aso takes a tech-forward approach to car insurance, with online quoting and claims services. All policy management and billing can be handled through its mobile app, and customer service agents are available at any time for assistance. Like Root, Clearcover's homeowners insurance is underwritten by a partner company, Hippo Insurance. Compared to Root, Clearcover is available in fewer states.

Learn more: Clearcover Insurance review

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Why you can trust Bankrate

Read our full methodology

Our insurance editorial team includes licensed agents with decades of combined experience, and we used our intimate knowledge of the industry to conduct this in-depth Root insurance review.

46

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

Is Root a good insurance company?

Bankrate’s insurance editorial team reviewed over a hundred carriers to help you find the best car insurance. Drivers who want a robust mobile and online platform to handle their car insurance needs might find that solution in Root Insurance. Because of its strict eligibility requirements and requires a test drive, not every driver will qualify for coverage. However, those that do may pay premiums based mostly on their driving abilities, and not factors like age and credit score (although this hasn’t been fully phased out yet).

For those that also want home insurance coverage, Root has a partnership through Homesite, but does not underwrite policies itself. This also means that policyholders would not be able to manage their home insurance through the Root app, which could be an inconvenience.

What are real-life customers saying about Root?

To gain insight into the Root customer experience, we turned to platforms where individuals openly share their thoughts and encounters: Reddit and Quora. These forums allow for candid discussions among users, offering a plethora of personal stories, tips and critiques about their insurance companies, including Root. While neither Reddit nor Quora serves as a traditional review site, the depth and variety of user-generated content available on these platforms can provide valuable perspectives from those who have navigated policies, claims and customer service interactions with Root firsthand.

Reddit

Reddit users' opinions on Root Insurance are mixed. Some users praise the company for offering lower premiums and view it as a promising alternative to traditional insurers. Conversely, others express strong dissatisfaction, labeling the company as deceptive, particularly criticizing the test drive process and issues related to policy cancellation and classification of driving versus passenger status.

Reddit user 1
Feb 26, 2021
I had a fantastic experience with Root. They...
“I had a fantastic experience with Root. They are awesome. My premium was lower. They are a start up and I expect some initial issues, but this is a great alternative to other insurers.”
Reddit user 2
Feb 20, 2024
This company is a SCAM!!!! They falsely...
“This company is a SCAM!!!! They falsely advertise to get you in. After they collect your money they cancel after a week and give you 10 days to find a new policy. The test drive is a scam. Beware if you use GPS and you are not driving they consider you the driver. They don't test drive for 2 to 4 weeks They only test for a week and they don't give 30 days to find new coverage. They also don't show proof of when you are a driver versus passenger because I have been a passenger majority of these past 8 days but they logged me as a driver.”

Quora

On Quora, the feedback regarding Root Insurance also spans a wide spectrum. One user shared a negative experience, highlighting difficulties with policy cancellation and unexpected charges, leading them back to their previous insurer. In contrast, another individual praised Root for their exceptional customer service and responsiveness, emphasizing the value of communication with real, unscripted humans and expressing a strong loyalty to the company based on their positive experiences.

Quora user 1
Feb 28, 2023
Root sucks. I switched because I thought I...
“Root sucks. I switched because I thought I was getting a better deal but ended up going back to Progressive. I have 2 vehicles and when I tried to add the 2nd vehicle, they wanted to charge me full coverage on it (a vehicle that is paid for and gets driven about 1 time a month). Canceling my policy with Root was very stressful. I had conformation that I was canceled but they turned around and charged me on the next billing date. That really screwed me up. I had to pay Progressive and Root. Still waiting for my refund. I went back and forth with them for almost 2 weeks. We will see if I ever get my refund.”
via Quora
Quora user 2
Jan 22, 2020
Root does and will continue to have your back...
“Root does and will continue to have your back. They have been the absolute best and they are honest. Its super nice to talk to a real person. When I had a question I did not want to email - I decided to call. I got a really nice person who did their research. With research, I still received all the info I needed in the same day. They are that responsive! I am never leaving ROOT insurance, plain and simple. If you know you are a good driver then let it track you and get under their umbrella.”
via Quora

Root company details

For those seeking assistance or more information on Root Insurance, here are the essential contact details:

  • Customer service: Agents can be reached via live chat on Root’s website, Monday to Friday, from 9 a.m. to 5 p.m., Eastern time
  • Claims: File claims online, call 1-866-980-9431 or email claims@joinroot.com
  • Claims mailing address:
    • Root Insurance Attn: Claims Department
      80 E Rich Street, Suite 500
      Columbus, OH 43215

State availability

Currently, Root car insurance is not available in Alaska, Florida, Hawaii, Idaho, Maine, Massachusetts, Michigan, Minnesota, North Carolina, New Hampshire, New Jersey, New York, Rhode Island, South Dakota, Vermont, Washington, Wyoming or the District of Columbia.

Root tools and benefits

Root does not offer an extensive list of additional perks and services, but a few benefits are worth noting.

  • Referral rewards: New Root members can win up to $100 when they sign up using a referral code. The provider of that referral code will win the same amount.
  • Roadside assistance: All Root car insurance policies include roadside assistance as part of the package.

Frequently asked questions about Root

CTA Root has 0 review

Root has 0 review

Dive into community reviews below and see what others think about Root.

4.2 Star Icon
25 ratings
Info Icon
76% of consumers
recommend this insurer
Score breakdown
5 stars
48%
4 stars
28%
3 stars
16%
2 stars
8%
1 star
0%
Score by category
Overall rating 4.2 / 5
Original cost 4.0 / 5
Coverage 4.0 / 5
Customer Support 3.9 / 5
In May 2024, Bankrate collaborated with market research firm SliceMR to survey over 1,500 insurance customers nationwide, asking policyholders to rate their insurer’s cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders’ policy details and personal experience, and therefore cannot be verified for accuracy. All ratings are unedited, have not been reviewed or approved by insurance carriers and do not impact Bankrate’s own carrier reviews.

Community Reviews

See what users like you are saying about Root.
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Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
Pretty comparable but have not filed a claim and hope not to.
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Codt
Insurance Type
Auto
Score by category
Original cost 3 / 5
Customer Support 4 / 5
Coverage 4 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
It's the most cost effective and based on current driving abilities and history. Love this provider.
How does this insurer compare to insurance companies you’ve had in the past?
It's way cleaner and more fare then any other company that I have used. Root is the best in business
Insurance Type
Auto
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
Just like most insurance companies but overall been great dealing with them
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Price
Insurance Type
Auto
Score by category
Original cost 3 / 5
Customer Support 3 / 5
Coverage 3 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
Low premium.
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Low cost price inflatuation
Insurance Type
Auto
Score by category
Original cost 4 / 5
Customer Support 2 / 5
Coverage 2 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
CHEAPEST I COULD FIND
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
WHEN U SIGN UP DOWNPAYMENT IS GREAT, AFTER A YEAR PRICE WENT UP N THATS Y I WOULD LEAVE
Insurance Type
Auto
Score by category
Original cost 3 / 5
Customer Support 4 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
Cheapest
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Cheapest and I would leave for a better deal
Insurance Type
Auto
Score by category
Original cost 3 / 5
Customer Support 3 / 5
Coverage 3 / 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
Good and prices are good
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Good care good customer service
Insurance Type
Auto
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
They are their for me when I need them
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
They have great customer service and it they cheap
Insurance Type
Auto + Home
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
They did offer easy payment and affordable rates over others but not as cheap as advertised and customer service wasn’t very helpful explaining things.
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Price and flexibility makes me stay coverage and flexibility would make me consider leaving
Insurance Type
Auto
Score by category
Original cost 3 / 5
Customer Support 3 / 5
Coverage 3 / 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
I wish it covered more, but the price fits my budget. i saw an advertisement for it on TV, and i checked it out. compared to other companies, Root fit my budget the best.
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Number one reason I’d stay is the affordable price. Reason i’d stay is because i may want more range of coverage in the future.
Insurance Type
Auto
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 4 / 5

Methodology

Auto

Bankrate utilizes Quadrant Information Services to analyze October 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female homeowners with a clean claims and incidents history, good credit and the following coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Age: Rates were calculated by evaluating our base profile with the ages 16-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts.

The rates for drivers ages 16-20 added to their parents' policy reflect the good student and driver's training discounts applied. The rates for drivers aged 16-20 on their own policy do not include the good student and driver's training discounts. Additionally, 25-year-old rates are based on the driver as a renter and 30+ on the driver as a homeowner.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket and single at-fault accident.

Homeowners

  • Coverage A, Dwelling: $150,000, $300,000, $350,000, $450,000, $750,000
  • Coverage B, Other Structures: $15,000, $30,000, $35,000, $45,000, $75,000
  • Coverage C, Personal Property: $75,000, $150,000, $175,000, $225,000, $375,000
  • Coverage D, Loss of Use: $30,000, $60,000, $70,000, $90,000, $150,000
  • Coverage E, Liability: $500,000
  • Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply. 

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Bankrate Scores

Our Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories. 
5
Rating: 5 stars out of 5
Overall Score
  • Cost & ratings 50%
  • Coverage & savings 30%
  • Support 20%
Like our previous Bankrate Scores, each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.
Written by
Ashlyn Brooks
Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.
Edited by Editor, Insurance