Last Updated: 04/18/2025
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Highlights
Root Auto Insurance Review
Root Insurance is a car insurance carrier based in Columbus, OH. The insurance company was founded in 2015 and offers car insurance in 11 states in the USA.
If you're considering whether Root car insurance is a good option for you, read on.
Root car insurance Pros & Cons
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Root car insurance FAQ
What types of car insurance coverage options does Root car insurance offer?
Although we often talk about car insurance in the singular, it really includes several types of coverage options.
Root car insurance customers can also add the following riders or endorsements to their insurance policies:
- Rental Car Coverage: Rental car coverage, also known as rental car reimbursement, pays for the cost of a car rental if you can't drive your vehicle because of a covered loss, such as a car accident, theft, or vandalism.
- Emergency Roadside Service: Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.
Does Root car insurance have roadside assistance?
Emergency Roadside Service available. Yes, Root Insurance offers roadside assistance to policyholders. Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.Does Root car insurance offer ridesharing insurance?
No, Root car insurance does not offer ridesharing coverage as a rider or endorsement.What benefits does Root car insurance offer?
Root car insurance offers the following benefits to its customers:
- 24/7 Phone Availability: Customer service is staffed around the clock.
- Digital Claims Reporting: Never fax or mail a document again.
What insurance discounts does Root car insurance offer?
When you ask for an insurance quote with Root car insurance, make sure you ask for all the insurance discounts you qualify for. These are the insurance discounts currently available that are specific to car insurance.- Alternative Fuel / Hybrid: For some reason, possibly because they drive fewer miles, people who own hybrids or alternative fuel vehicles pose a lower insurance risk. If your car is green, make sure you earn the rewards.
- Telematics Device (Usage-Based Insurance): You can qualify for an insurance discount if you agree to install a sensor that records your driving habits.
Want more insurance discounts? Check the insurance discounts tab for a full list of general policy insurance discounts you can qualify for with Root car insurance.
How does Root Insurance calculate insurance rates?
Car insurance companies guard their risk-assessment algorithms as a trade secret, and Root Insurance is no exception. However, you can be confident that Root car insurance will take into consideration your driving record, age, gender, marital status, and address.
Other factors it will take into consideration are your vehicle (make and model), insurance history, and how you use your car.
Does Root car insurance use your credit score?
It is safe to assume that, when legal, a car insurance company will use your credit score as a rating factor. There are two exceptions.
- If you live in California, Hawaii, or Massachusetts, a car insurance company is not allowed to use your credit report as a rating factor.
- There are also a handful of car insurance companies that base their insurance rates exclusively on telematic data. These companies collect information on your driving behavior and use it to determine the risk you pose as a driver.
How can I get a Root car insurance insurance quote
- Visit the Root Insurance website.
- Fill out the insurance online quote application form. You will typically need to provide personal information, such as your name, vehicle, driver's license, and address.
- Check the information is accurate and submit your application.
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