What if good drivers didn’t have to pay for bad drivers? Welcome to Root Insurance. We think the old way of pricing car insurance is unfair, so we developed a mobile app that measures driving behavior. By removing bad drivers from the equation, we’re able to keep our rates low. Good drivers save up to 52%, an average of $1,187 a year. There's a reason we’ve been featured in Forbes, TechCrunch, Wired, The Washington Post, and Fortune Magazine. (See disclaimers below.)
A higher score on the test drive means you pay less. Test drive? Just download the app and sign up in less than a minute. Then drive your car around like you normally would for a few weeks—that’s the test drive. The Root app does the rest. Your driving score is the #1 factor that goes into your auto insurance quote. Other companies only base your rate off of things like credit score, age, gender, and ZIP code. But Root is a progressive company—we base rates primarily on how you drive, not who you are.
Once you’ve driven enough miles and get a quote, you can customize your coverage to get the the exact policy that works for you. It’s easy and all in the app. You can instantly see how much it will cost to add or remove coverages—you control your rate, based on your budget. We’ll even help to cancel your old car insurance plan, and we include Roadside Assistance in every policy.
Your Root insurance card is available right from your phone, and if you get into an accident, you can file a claim directly in the app. We know accidents can be stressful, so we walk you through every step. And you can snap photos to submit immediately—the whole process only takes 5 minutes.
What’s even better than a low rate? Actual cash. Referrals save us money, so we can pass the savings on to you. You get paid, they get paid.
No agents. No paperwork. No hassle. Get the good driver discount you deserve and download the Root app today.
Why choose Root Car Insurance?
GOOD DRIVERS SAVE UP TO 52%
• Drive with the Root app for a free quote
• Your driver score is the #1 factor that goes into your rate
• Don’t pay for bad drivers (like you would with other companies)
CAR INSURANCE, ALL IN AN APP
• Customize and pay for your policy
• Make changes and instantly see the difference in price
• File a claim and snap photos to submit in 5 minutes
ROOT MEMBER BENEFITS
• Good driver discount automatically applied
• Roadside Assistance included with every policy
• Free Lyft rides on select holidays
• Earn referral bonuses
Start saving with a car insurance rate based primarily on how you drive. Download the Root app now and get a free quote.
Spreading our roots
It's been an exciting few weeks at Root as we move faster and faster In our quest to bring innovative car insurance across the United States. The latest news? We've finally arrived in Tennessee, California, and Virginia.
Fun fact: you can now draw a line across the whole country without leaving a state full of happy Root customers. That would be a pretty long line.
Ratings and Reviews
Can’t Stop Raving
I’ve already posted a review, but I HAD to make another one because Root is AMAZING! Auto insurance these days is a nightmare- I had one accident in 15 years of an otherwise perfect driving record. I’ve never had a ticket and my credit isn’t horrible, but for some reason, all the other insurance companies want to charge me over 200 dollars a month for insurance! Even the pay by mile insurance wants that from me. It’s absolutely insane! I used to pay under 40 dollars a month and, after turning 25, though I can’t expect the same rate with this economy, I did expect much better than what everyone wants to give me. Root gives me the best rate out of everyone! I had to change my policy because I just got a new car and, though the price isn’t ideal, compared to what everyone else is charging, it’s absolutely amazing. I had to make an actual phone call so the dealership could speak to someone and I didn’t wait on hold for long and the lady who answered- her first name is Angela but I didn’t get her last name- was so incredibly nice and super competent. I always get a fast reply when I email you guys, too. I didn’t know what to expect with an app-based insurance but it’s so nice. I don’t know what affects the rates- maybe once a certain amount of time has passed since I had my accident it’ll get better? I don’t know. What I do know is that Root is wonderful.
Developer Response ,
Update: Thank you so much for your ongoing support, ShatnerLover! We're lucky to have you in the Root family. 😍 Regarding your rates, we look at a number of factors every 6 months upon the renewal of your policy, and you can read about some of them here: bit.ly/RootRateChange.
Looked at Root insurance about a year ago and they were not in my state (Kentucky). This time, they were though! When first signing up, I had an issue with setting up two drivers. Customer service was very responsive and got the issue resolved. After 3 weeks, we got a quote. The rate Root offered was great! The rate with Root is saving us $320 a year over Liberty Mutual and we got higher coverages like $50,000 Personal Injury Protection and no deductible compared to $10,000 with and a deductible with Liberty Mutual. And, we no longer need to pay for AAA since roadside assistance is included!
The Root app is so easy to use and we were really happy to see that if we need to make any changes to our policy, we can do so right in the app and see how it affects our rate. I can’t say enough good things about this app and company! I also sent an app suggestion to them and got a very quick and friendly response! Considering the price, benefits, and exceptional customer service, I have a feeling we will be staying with Root insurance for a very long time!
Root has certainly gone above and beyond in finding ways to put their customers first and treat us like an insurance company should! I will definitely be referring other customers to Root and highly recommend them for auto insurance!
Developer Response ,
Aw! We love to hear stories like these! Thanks for sharing, thebulder! 😍
Quality company and App. Few complaints
Setup is easy! That’s the biggest trait with root. Everything is just easy. It’s why we all have an iPhone, and it’s why McDonalds is still a popular place to eat. I got 20% reduced from my original policy with State Farm, which is HUGE since I’m a college student in Mississippi. You can also specifically choose what you need in your policy package. Don’t think your car is will get stolen? No problem. Don’t pay for that premium in your package builder!
The few things that bother me are the following:
1. The iPhone X has been out since November, yet its almost Summer 2018 and the app still does not support the X screen! They have a photo of the app on the X without black bars on their website, which mislead me and makes me wonder why a company based on tech isn’t up to date with the display. This has nothing to do with the company itself, but it’s makes me question their sense of quality. Everything else is well made and fun to look at!
2. Root uses machine learning to determine if you are driving, if you are flying, or cycling, etc. I took a trip to NYC and rode a taxi (they are crazy drivers), and my driving score went from a 9 to an 8! I sent an email and got a response within 24 hours. Their response was that they have analysts who look at the data and see what was happening. With a company this new, I decided to trust them. Nevertheless, couldn’t ask for a better deal.
Developer Response ,
Hey, MilkdotWhole — thanks so much for the fair and honest review. 🙌🏼
We are, however, a little confused why the iPhoneX isn't working for you (or where you might have seen that). Our app works with any iPhone that's a 5s and above. If you wouldn't mind following up with us, we'd love to look into this issue more. You can reach us at email@example.com.
- Root, Inc.
- 156.3 MB
Requires iOS 9.0 or later. Compatible with iPhone.
- Age Rating
- Rated 4+
- This app may use your location even when it isn't open, which can decrease battery life.
- © 2019 Root
With Family Sharing set up, up to six family members can use this app.