Last Updated: 04/18/2025
SuperMoney User Recommendation Score 0
Mostly recommended6 total votes
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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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Root Auto Insurance Community Reviews
Would you recommend Root Auto Insurance to your friends?
Bella M.
Oct 25, 2020
May or may not recommend
I tried out Root once because I kept seeing the ads about the month long test drive. At the time, I was adding a second car to my insurance and thought switching to Root might save me money. I don’t drive a lot so it seemed like after the test drive I would save money. My monthly rate actually tripled so I canceled my policy.
SS
Sehr S.
Oct 6, 2020
May or may not recommend
I've been using Root for over a year. It is cheap, it saved me around $90 per month going to Root. They have very good customer service. Few months back I had to file a claim and the process was easy and fast from start to finish. I’ve never been so satisfied with an insurance claim before, I know I won't be switching any time soon.
TH
Tina H.
May 2, 2020
May or may not recommend
I had them for going on second year now and just renewed and my rate went up. I had no claims at all. No accidents or violations. No difference in my driving habits. I called and asked why and was told that it was based on the area I live. Which by the way I own my home and have lived here since I got the policy. And it is ...Show More
AI
Andy I.
Jun 19, 2019
May or may not recommend
Garbage Insurance Company. Would not recommend to anyone for any reason
VB
Veronica B.
Jul 20, 2018
May or may not recommend
Root just saved me $125 a month on my car insurance payment!
Sharief M.
Jun 1, 2018
May or may not recommend
i love it so cheap with full coverage, i use to pay $450 for 6 months these guys offered $230 for 6 months with same coverage
Showing 6 of 6 reviews
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