Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Nov 29, 2021

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Company Details
Address: 80 E Rich Street Suite 500
City: Columbus
State: Ohio
ZIP Code: 43215
Phone Number: 1-866-980-9431
Website: https://www.joinroot.com/
Year Founded: 2015
AM Best Rating: N/A
Company Rating 0 (0 reviews)

Just the Basics

  • Root car insurance rates start as low as $65 if you drive less than 1,000 miles per month
  • Root insurance is only available in 31 states
  • Despite its affordable rates, Root car insurance has a high NAIC complaint index of 1.85

If you work from home and aren’t driving as much as you used to, you might be thinking about reducing your car insurance coverage. It’s better to look at other options like Root car insurance.

Consider getting usage-based car insurance coverage (UBI) from companies like Root. Root car insurance offers affordable liability-only and full coverage policies for drivers who drive less than 1,000 miles per month.

How much insurance do I need for my car? Driving without the right coverage could end up costing you thousands after an accident. However, many car insurance companies are changing their coverage to meet the needs of drivers who aren’t taking those long commutes to work anymore.

Keep reading to learn how Root car insurance works, if coverage is available in your state, and to compare Root car insurance rates to the top insurers in your area. Enter your ZIP code above to get free car insurance quotes from local companies today.

How much is Root car insurance?

Unlike traditional insurance companies, your driving habits heavily influence your Root car insurance rates. Costs can be as low as $65/mo for good drivers who drive less than 1,000 miles in a billing period.

Many usage-based insurance companies offer similar rates. See how Root compares in the table below:

Car Insurance CompanyAverage Monthly RatesA.M. Best Rating
Root$65N/A
Metromile$65N/A
GEICO$84A++
Nationwide$95A+
Progressive$98A+
State Farm$100A++
Travelers$109A+
Allstate$161A+
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A.M. Best financial ratings reflect a company’s ability to pay their claims. Root and Metromile aren’t rated yet because they are smaller companies, but both offer the cheapest rates.

Many of the companies on this list only offer a discount on car insurance with telematics. For example, when comparing Root car insurance vs. GEICO, GEICO only offers an average of 15% off your rates, while Root can offer you significantly lower rates.

According to Root’s website, your driving habits will influence up to 25% of your total insurance costs. Good drivers can also earn an additional 10% off their rates with a good driving discount after three years.

However, your Root car insurance quotes will vary based on where you live and what time of day you typically drive. For example, if you tend to drive more at night, you may find cheaper rates elsewhere.

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How does Root car insurance work?

Many insurers use credit scores, marital status, age, and gender to determine rates. In some states, it’s illegal for credit score and gender to influence your car insurance rates because it really has nothing to do with your driving habits. 

In this sense, Root bases its insurance rates mainly on driving behavior. The driving habits that impact your Root car insurance quotes are:

  • Time of day
  • Ride smoothness
  • Speed (including turning speed)
  • Hard braking

Does Root always track your driving? Yes, Root insurance uses the GPS in your smartphone to track real-time driving. This is how the company determines rates and eligibility.

If you’re looking for free Root car insurance quotes, you will have to download the Root insurance app and participate in a test drive. The test is completely free and lasts between three and four weeks. After the test period, Root will determine if you’re eligible for coverage.

Before you download and create a Root car insurance login for the test drive, be aware that many drivers are denied coverage. 

Because driving habits are vital to your rates, Root will deny coverage to risky drivers who speed or drive too much at night during the test period. These driving habits can raise your rates after the first six months, as well.

By refusing to cover riskier drivers, Root car insurance can keep its rates very low. This is good news for good drivers, but if you have a few speeding tickets on your record, you may have more luck comparing quotes from other companies in your area.

Does Root offer full coverage car insurance?

Yes, Root car insurance offers full coverage policies. Full coverage insurance includes both collision and comprehensive coverage.

Take a look at the table below to see Root car insurance policy limits and deductibles:

Policy TypePolicy Limits and Deductibles
Liability-only$100,000/$100,000/$500,000
Collision coverage$500 deductible
Comprehensive coverage$1,000 deductible
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Root also offers personal injury protection (PIP), medical payments coverage (MedPay), and uninsured/underinsured motorist coverage:

  • PIP coverage up to $10,000 per person
  • MedPay coverage up to $10,000 per person 
  • Uninsured/underinsured motorist coverage limits of $30,000/$50,000/$60,000

These policy types are optional in most states, but you may be required to carry it. Research your state insurance laws to learn more.

Does Root offer customizable car insurance?

If you’re looking for specialized policies, such as motorcycle or rideshare insurance, Root doesn’t provide the options you need. 

However, if you’re looking for basic coverage, Root does provide free roadside assistance with every policy. 

Every auto policy automatically comes with Root roadside assistance that covers up to three services every six months (up to $100), including towing and tire changes. 

For an additional cost, drivers can also add Root ridesharing rental reimbursement. This add-on covers up to $50/day and $1,500/accident in rental car or rideshare costs after an accident. Unlike other insurers, the perk here is that Root drivers can choose a rental car or rideshare reimbursement. 

Does Root offer other types of property insurance?

On top of car insurance, Root offers affordable homeowners and renters insurance. Availability will depend on where you live.

Drivers can earn a 5% car insurance discount when bundling their property insurance policies. 

You don’t need a Root car insurance policy to buy homeowners insurance, but renters insurance is only available to current policyholders with auto coverage.

Is Root car insurance available in my state?

Root car insurance is subject to state insurance laws. Some states don’t allow usage-based car insurance.

In 2022, Root insurance is available in 31 states. 

However, Root homeowners and renters insurance coverage is even more limited. Take a look at the table below to see if Root car insurance is available in your state and if you’re eligible for a bundling discount.

StateCar InsuranceHomeowners InsuranceRenters Insurance
ArizonaYesYesNo
ArkasasYesNoYes
CaliforniaYesNoNo
ColoradoYesYesNo
ConnecticutYesYesNo
DelawareYesYesNo
GeorgiaYesYesYes
IllinoisYesYesNo
IndianaYesNoNo
IowaYesYesNo
KentuckyYesYesYes
LouisianaYesNoNo
MarylandYesNoNo
MississippiYesNoNo
MissouriYesYesYes
MontanaYesNoNo
NebraskaYesYesNo
NevadaYesYesYes
New MexicoYesNoYes
North DakotaYesNoNo
OhioYesYesYes
OklahomaYesYesNo
OregonYesYesNo
PennsylvaniaYesYesNo
South CarolinaYesNoNo
TennesseeYesYesYes
TexasYesYesNo
UtahYesYesYes
VirginiaYesNoNo
West VirginaYesNoNo
WyomingYesNoNo
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If your state isn’t listed, Root car insurance coverage isn’t available there yet.

Also, be aware that not all policy types and coverage options are available in all states. For example, Root roadside assistance is not available in California. Check your state laws before you buy Root car insurance.

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What ratings does Root car insurance have?

Root car insurance company does not have any financial ratings with A.M. Best or other companies because it’s a smaller company. This isn’t necessarily a bad thing — it just means that Root doesn’t have the same market share as some of its larger competitors, like GEICO and State Farm.

However, most Root car insurance reviews from customers are negative. The Better Business Bureau accredits root with an A+ rating, but its customer rating is a 1.29/5.

Its NAIC complaint ratio is 1.85, with 1 being the average. That means it sees more complaints than other companies its size.

Most complaints are directed towards the claims department for slow response times and not being able to get in touch with an adjuster. Other customer complaints are toward the insurance test drive. Most notably, denial of coverage after the test drive and an increase in rates after the first six months are the most common complaints.

Increasing rates are typical with usage-based insurance programs. Even GEICO will raise your rates if it tracks bad driving habits. But if you have good driving habits and stick to mostly daytime driving, you can easily reduce the cost of car insurance with Root.

Unfortunately, a slow claims process is not a minor thing. Root’s competitive car insurance rates don’t mean much when drivers can’t get in touch with an adjuster. The good news is that Root responds to many of its complaints directly.

To decide if Root is right for you, read customer reviews closely to see if the company’s customer service values align with your expectations.

How can I reach someone at Root car insurance?

To speak with an agent, cancel your policy, or file a claim, you can call the Root car insurance phone number at 1-866-980-9431. However, the company prefers to do most of its business through its mobile app or on its website.

If you need to file a claim, follow the prompts in the Root insurance app. Drivers can upload photos and relevant information regarding where the accident happened and the other drivers involved.

Root car insurance reviews do warn that customers can wait as long as three days before hearing back from a claims adjuster. This may be because offices are closed on the weekends, and agents are only available during business hours between 9 a.m. and 8 p.m.

If 24-hour customer service is important to you, then Root car insurance may not be the best match.

Should I buy Root car insurance?

Depending on where you live and how much you drive, Root car insurance could be an affordable alternative to your traditional insurer. If you work from home and drive less than 1,000 miles per month, you could see rates as low as $65.

However, Root isn’t available everywhere. And you won’t be eligible for the bundling discount if you can’t buy Root homeowners or renters insurance in your state. 

Root doesn’t offer many other car insurance discounts, either. If you qualify for more discounts with other companies, including military or membership discounts, you should shop around to see which company actually offers you the cheaper rates. 

Root car insurance reviews are also lackluster. While most customer complaints about the test drive won’t apply if you’re a good driver, a slow claims process may outweigh cheap rates if you’re looking for a company that focuses more on customer service.

Before you buy Root car insurance, compare your options and get quotes from at least three different companies. Start here with our free comparison tool below. Enter your ZIP code to get started with free quotes from local companies today.