How much you can expect to spend on car insurance with Root
Root Insurance bases its rates on how each customer drives. A customer’s behavior behind the wheel gets more weight than anything else when it provides a quote. Root claims its safe driving discount could shave up to $900 per year off auto premiums for some customers. On this page, we detail how much you can expect to pay for auto insurance with Root, how you can get your premiums even lower, and some of the best aspects of the company in general.
In addition to a person’s driving record, Root takes a person’s age, credit score, marital status, gender, ZIP code, and previous insurance when calculating auto insurance rates. Average annual premiums with Root range from $702 to $984. Of course, the cost for each driver depends on many factors, such as how much coverage they get:
Root uses a person’s driving history to provide an auto insurance rate.
To compare Root’s insurance cost with those of other car insurance companies, get auto insurance quotes from multiple providers. Good drivers will have lower costs across all coverage options.
Root offers discounts to policyholders who purchase renters or homeowners insurance along with auto insurance.
Customers who pay their policies’ premiums in full with Root could receive a discount as well.
Like many auto insurance companies, Root offers customers discounts for safe driving. It uses its mobile app to measure driving behavior and determine a policyholder’s driving habits.
Policyholders could also receive a focused driving discount of up to an additional 10 percent off annual premiums. Root defines focused driving as drivers who ignore texts and keep their attention on the road.
Root includes roadside assistance with every auto policy it sells. Customers can use the service for a jump-start, tow truck, or locked vehicle three times per vehicle during a six-month policy term, with a cap of $100 per incident. No states require roadside assistance, as it’s an add-on and not insurance coverage.
Every auto policy with Root has roadside assistance.
The company also provides rental car coverage as an add-on to its car insurance policies. Customers can choose between a car rental or Lyft reimbursement.
Root Insurance provides its customers with free Lyft ride credits on three holidays:
The company emails current policyholders a special Lyft code to use during the period of eligibility on those three days. However, Lyft on Us isn’t available in North Dakota.
As of November 2022, Root is available in 33 states and the District of Columbia. Here are the states where Root is not available:
Root customers who wish to cancel their policies can do so by visiting the Root app or by calling 866-980-9431. If a customer cancels their policy before the end of its term, the company will refund any amount on a daily prorated basis.
You can cancel your auto insurance via the Root app.
In 2015, Root began with the goal of changing the car insurance pricing model. While less than a decade old, Root has expanded throughout the U.S. rapidly, as well as added insurance options beyond auto policies.
You can reach the Root customer service team by phone, email, and online chat Monday through Friday from 9 a.m. to 8 p.m. ET:
File claims:
Root bases its auto premiums on each customer’s driving habits. The company utilizes technology through its app to rate drivers and complete policy paperwork. By focusing on how policyholders actually perform behind the wheel, Root helps customers save up to $900 annually on auto insurance premiums.
The Root app works with your smartphone sensors to gather and analyze data while you drive. The company analyzes these areas:
Drivers who avoid distracted driving, stay within the speed limits, brake smoothly, turn gently, and drive during safer hours get lower rates.
Users must disengage the Root app to stop the company from monitoring their driving habits. Root uses its app to gauge how safe users’ driving is during a test period of several weeks. Once a customer has purchased Root car insurance, they can stop the app’s tracking.
No, Root does not offer insurance to anyone who applies. Because it bases its insurance premiums on the driving habits of a customer, the company routinely denies auto insurance to those who perform poorly during the test period. This practice keeps rates low for safe drivers it insures because it weeds out the unsafe drivers.