Root Insurance
Claim this toolCar insurance that rewards safe driving with personalized rates.
Paid plans onlyVisit WebsitePaid Visit Website
Reviews on G2
2 reviews trackedThe Bottom Line
- Price
- Paid plans only. Compare plans
Key facts
- Car insurance rates are primarily based on actual driving behavior.
- Uses a smartphone app to monitor driving for a personalized quote.
- Offers potential savings for safe drivers and in-app policy management.
Pros
- Potential for significant savings for safe drivers
- Policy rates are primarily based on individual driving habits, not just demographics
- Convenient in-app policy management and claims filing
- Roadside assistance available as an add-on
Cons
- Requires a few weeks of driving with the app to get a quote
- Relies on smartphone data collection, which some users might find intrusive
- Availability is limited to specific US states
What is Root Insurance?
Root Insurance offers car insurance rates primarily based on an individual's actual driving habits, rather than traditional metrics. Users download the Root app, which utilizes smartphone sensors to monitor driving behavior over a few weeks. This data is then used to generate a personalized insurance quote, aiming to provide better rates for safe drivers.
The service is designed for individuals who consider themselves good drivers and want their insurance premiums to reflect their driving safety. The app also allows for easy policy management, claims filing, and offers features like roadside assistance and a referral program. Root aims to simplify the car insurance process by leveraging technology to provide fair and transparent pricing.
Available on: iOS
Louis Corneloup Source joinroot.com ↗
Ratings Across the Web
4.5 (2 reviews)
Root Insurance holds an aggregate rating of 4.5 out of 5 from 2 reviews across G2, last checked March 19, 2026.
Ratings aggregated from independent review platforms. Learn more
Preview
Key Features
- Driving behavior-based insurance rates
- Smartphone app for driving data collection
- In-app policy management
- In-app claims filing (3-minute process)
- Roadside Assistance option
- Referral program for rewards
Pricing
Paid
Root Insurance offers paid plans. Visit their website for current pricing details.
Reviews
$99 Free with your review
Write a reviewReview Root Insurance, get a free AI guide
Share your experience and we will send you Improve Your Thinking Patterns Using ChatGPT, free.
Best Root Insurance Alternatives
Top alternatives based on features, pricing, and user needs.
Hippo Insurance Paid
Modern home insurance that combines tailored coverage with proactive home protection.
Ladder Insurance Freemium
Flexible term life insurance in minutes, designed to protect your loved ones.
Clearcover Paid
Smarter car insurance that's fast, easy, and affordable, powered by AI for rapid claims.
Policygenius Free
Compare and buy insurance online with expert advice.
Still deciding?
Most buyers shortlist 2 or 3 tools before committing. Pull a side-by-side comparison or browse the full alternatives shortlist below.
Explore More
Root Insurance FAQ
How does Root determine my insurance premium if it's based on driving behavior?
Root uses data collected from your smartphone's sensors while you drive over a period of a few weeks. This data analyzes various aspects of your driving habits, such as braking, acceleration, and turning, to create a personalized driving score. Your insurance premium is then primarily calculated based on this score, rewarding safer drivers with lower rates.
What specific driving behaviors does the Root app track to assess my driving safety?
The Root app tracks various driving behaviors through your smartphone's sensors, including hard braking, rapid acceleration, aggressive turning, and phone usage while driving. These metrics contribute to your overall driving score, which directly influences your personalized insurance quote.
Can I manage all aspects of my Root car insurance policy directly through the mobile app?
Yes, the Root app allows you to manage your policy conveniently. You can get a quote, view policy details, make payments, and even file a claim directly from within the application. The claims process is designed to be quick, often taking only about three minutes to initiate by taking pictures through the app.
Is Roadside Assistance automatically included with a Root policy, or is it an optional add-on?
Roadside Assistance is an optional feature that you can choose to opt into with your Root policy. If you select this option, it covers services such as tow trucks, jump starts, and assistance if you lock your keys in your car, helping you get back on the road quickly.
What happens if I don't drive for a few weeks after downloading the app to get a quote?
To generate an accurate, personalized quote, Root requires a period of active driving with the app. If you don't drive for a few weeks, the app may not collect sufficient data to assess your driving habits, which could delay or impact your ability to receive a quote based on your driving behavior.
How does the referral program work, and what kind of reward can I expect?
The referral program allows you to invite friends to try Root. When a friend you refer completes the 'test drive' period and receives a quote, both you and your friend will earn a reward offer. Specific details about the reward can be found on the referral page within the app or website.
Source: joinroot.com