Root Insurance Company Review 2024

Trusted Choice's Root Insurance Score

4 Stars

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We award Root Insurance a final rating of 4 out of 5 stars. The insurance company has been around since 2015 and has recently added renters insurance and homeowners insurance to its catalog, which is mainly known for auto insurance. Root Insurance offers affordable car insurance with a unique pricing feature that allows customers to complete a test drive before receiving their quote. However, coverage is not offered in every state, and limited information is available about the carrier's more recent policy offerings, including home insurance.

Root Insurance has an excellent rating of "A+" from the Better Business Bureau. The insurance company provides claims reporting via phone, online, or mobile app, as well as online bill pay. Overall, we highly recommend looking further into Root Insurance to be your next trusted carrier, along with the help of your independent insurance agent.

Root Insurance Company Pros and Cons:

Pros:	Cons:
Rated "A+" (excellent) by the Better Business Bureau (BBB)	Coverage is not available in every state
Offers affordable car insurance	Not rated by AM Best
Offers multiple types of personal coverage
Offers online claims reporting
Offers a mobile app

To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.

Root Insurance Products by Type

Root Insurance offers a wide selection of insurance products, including:

Root Insurance Auto Insurance

Root Insurance offers all the important auto coverage you could need. Whether you're seeking liability-only or full coverage, Root has got you covered.

Coverage types, features, and benefits:

Liability

Root Insurance's liability coverage can help cover you against lawsuit expenses related to personal property damage and bodily injury claims. 

Comprehensive and collision

Root Insurance provides both collision and comprehensive coverage to protect policyholders against losses related to physical damage to their vehicles caused by a number of sources, including accidents with other cars, accidents with large animals, broken windshields, hail damage, and more.

Uninsured/underinsured motorist

Root Insurance provides uninsured and underinsured motorist coverage for both property damage and bodily injury to protect policyholders against expenses that may not be fully covered by the other party's insurance.

Roadside assistance

Root Insurance provides roadside assistance coverage to help customers who experience a breakdown or other issues on the side of the road pay for professional services like tow trucks and more. Coverage is provided for up to three incidents for every six-month policy term at $100 per incident.

Rental reimbursement

Root Insurance's rental reimbursement coverage is unique in that it provides customers a choice of a rental car or reimbursement for a Lyft if their car is undergoing repairs for a covered accident.

Root Insurance Auto Insurance Average Prices

Root Insurance offers affordable auto insurance for many customers. The carrier offers a unique pricing feature that allows drivers to save money on their premiums by completing a test drive with Root's mobile app, which reports data about driving behaviors. 

The average cost of an auto insurance policy from Root Insurance is $984 per year. The carrier's minimum coverage or liability-only policies cost an average of $702 per year.

• Standard coverage average: $984/year
• Minimum coverage: $702/year

To get an estimate of car insurance pricing per age, state, etc., check out our car insurance calculator. 

Root Insurance Property Insurance

Root Insurance now offers homeowners insurance and renters insurance. However, these policies have been added to Root Insurance's catalog very recently, so limited information is available without contacting the carrier directly. The carrier's official website has yet to include any details about its home policies. 

Root Insurance's renters policies include the following types of coverage:

Liability

Root Insurance provides personal liability coverage for renters to protect against losses related to third-party lawsuits resulting from claims of bodily injury or personal property damage. 

Medical expenses for others

Root Insurance provides coverage to pay for a third party's medical expenses if they are injured on your property due to a covered cause. 

Personal property

Root Insurance provides coverage for your personal belongings against many different threats, including theft and fire damage. The carrier also offers unique protection for personal property during travel, such as if a policyholder's luggage is stolen from their hotel room.

Loss of use

Root Insurance's renters policies can reimburse policyholders for additional living expenses, such as hotel rooms if they're temporarily unable to live in their home due to a covered incident that requires extensive repairs.

An independent insurance agent can help you learn more about the renters insurance and home insurance available from Root Insurance. 

What Discounts Does Root Insurance Offer?

Root Insurance offers a unique pricing model that sets the carrier apart from most others. Root Insurance rewards drivers for safe habits on the road. Since the carrier already offers much lower rates than most car insurance companies, it doesn't offer the long list of discounts you typically see. 

However, there are a few ways you can save even more money on the carrier's car insurance:

An independent insurance agent can provide better discount information and premium quotes for coverage through Root Insurance. When it comes to coverage, independent insurance agents work hard to help get you the most for your money.

Root Insurance Customer Service

Root Insurance offers online support, phone customer service, and mobile app support. The carrier provides the following customer service options: 

• Online claims reporting
• Mobile app
• Phone customer service department has the following hours:

To ensure a great customer service experience, work together with an independent insurance agent. These agents can help handle claims and other matters for you so you can relax and enjoy your coverage. 

Connect with a Root Insurance Agent Today.

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