Available in only 34 states (including Texas), Root is a specialized insurance provider that bases rates primarily on driving habits. While Root does look at factors such as age, credit score, and vehicle type when determining your flat rate for insurance, the most important factor will be how you perform on the Root safety driving test. On average, drivers pay up to $829 per year for Root. If you’re a safe driver in El Paso, we recommend trying Root for your car insurance needs.
While Root is generally not a good option for people with a bad driving record, it can be a great choice for high-risk drivers with a good driving record. Drivers with bad credit, young drivers, and people with vehicles that are likely to be stolen are all considered high-risk drivers, even if they have a clean driving record. Root is a great option for these types of high-risk drivers because Root will minimize those other factors (credit, age, etc.) and focus on your driving test.
Insurance Made for Safe Drivers
Root is a usage-based insurance program that requires drivers to complete a test drive in order to offer them a quote. The Root app will use your phone’s GPS, accelerometer, and gyroscope to measure your driving habits. After 30 days, you’ll get a score based on how many miles you drive, what time of day you drive, your turn speed, and other key driving metrics. If your driving is up to par, Root will approve your application and offer you some of the cheapest rates available in the state and city.
Root is able to keep its prices low because it offers policies to safe drivers only. On average, drivers pay $829 per year for car insurance with Root, and Root claims that drivers in El Paso can save up to $900 on their car insurance when they sign up for a policy.
You can sign up for Root, manage your policy, check your driving test, and review your driving from the Root app. Root’s policies are fully app-based, so everything you need, including communicating with agents, will be done from the app or website. While this offers flexibility for drivers, it limits your ability to communicate with agents and get more hands-on support.