Root Car Insurance Review for 2025 [See Rates & Discounts Here]

This Root car insurance review covers how the company offers personalized rates starting at $16 per month based on your driving behavior.

Root Insurance Car Insurance Rating

Rating Criteria
Overall Score	3.9
Business Reviews	3.0
Claim Processing	4.5
Company Reputation	4.0
Coverage Availability	4.4
Coverage Value	3.8
Customer Satisfaction	1.7
Digital Experience	4.0
Discounts Available	3.7
Insurance Cost	4.1
Plan Personalization	4.0
Policy Options	3.4
Savings Potential	3.9

Root Insurance Company uses a mobile app to track your driving, potentially lowering rates for safe drivers. While ideal for tech-savvy drivers, those with poor driving records may face higher rates.

Root’s app makes it easy to manage policies and claims, making it simple to understand how to file a car insurance claim, but it’s still wise to compare quotes for the best deal.

Quit overpaying for auto insurance. Our free quote comparison tool allows you shop for quotes from the top providers near you by entering your ZIP code.

Root Car Insurance Cost

Root Insurance monthly car insurance rates vary by age, gender, and coverage level, with younger drivers paying the highest premiums and costs decreasing with age. For instance, a 16-year-old male pays $130 for minimum and $230 for full coverage, while a 45-year-old male pays only $16 and $43, respectively.

Root Car Insurance Monthly Rates by Coverage Level

Female drivers generally receive slightly lower rates across all age groups, and full coverage is consistently more expensive than minimum coverage due to the added protection it provides. Therefore, it is important to compare options when searching for the best full coverage car insurance.

Full coverage car insurance rates vary significantly by credit score, with drivers with good credit paying the lowest premiums and those with poor credit facing much higher costs. Among the companies listed, Root offers the most affordable rates across all credit tiers at $105 for good credit, $130 for fair credit, and $190 for poor credit.

Full Coverage Car Insurance Monthly Rates by Credit Score

Insurance Company	Good Credit	Fair Credit	Poor Credit
	$130	$160	$220
	$128	$158	$218
	$120	$150	$200
	$110	$140	$180
	$135	$170	$230
	$122	$152	$210
	$115	$145	$205
	$105	$130	$190
	$125	$155	$210
	$132	$162	$222

In contrast, insurers like Liberty Mutual and Travelers charge up to $230 and $222 for drivers with poor credit. This data shows that maintaining a strong credit score can lead to substantial savings on full coverage premiums through good credit car insurance discounts.

Root Insurance car insurance rates increase with driving infractions, reflecting the added risk associated with a less-than-perfect record.

For minimum coverage, drivers with a clean record pay $23 per month, while those with one ticket, one accident, or one DUI pay $29, $34, and $40, respectively. Full coverage follows a similar pattern, with rates rising from $30 for a clean record to $40 for a DUI, depending on your driving habits. Root is a potential option for cheap car insurance after a DUI, depending on your driving habits.

Car Insurance Monthly Rates by Provider & Coverage Level

Insurance Company	Minimum Coverage	Full Coverage
	$87	$228
	$62	$166
	$76	$198
	$43	$114
	$96	$248
	$63	$164
	$56	$150
	$23	$61
	$47	$123
	$53	$141

Root offers some of the best options for cheap car insurance, with monthly premiums starting at just $23 for minimum coverage and $61 for full coverage. In contrast, other providers like Liberty Mutual and Allstate charge considerably more, with Liberty Mutual reaching $96 and $248, respectively.

Geico, State Farm, and Progressive offer relatively competitive rates but still exceed Root’s pricing, making Root a standout choice for cost-conscious drivers.

Root Car Insurance Discounts & Other Ways to Save on Your Premium

Root Insurance separates itself by providing multiple opportunities for drivers to cut the cost of their car insurance if they meet more than mere traditional demographics, but also demonstrate safe habits and wise policy decisions.

Root Car Insurance Discounts

Discount
Safe Driver	30%
Anti-Theft	25%
Military	20%
Bundling	10%
Good Student	10%
Pay-in-Full	10%
Safety Features	10%
Paperless	5%

From built-in discounts to behavior-based savings through the Root app, customers can lower their monthly premiums and get the most value from their coverage.

• Take the Test Drive Early: Download the Root app and complete the test drive early to access personalized rates and maximize potential savings.
• Customize Your Coverage Wisely: Using the Root app to adjust coverage and deductibles, raising or lowering optional coverage can reduce your premium while keeping you protected.
• Maintain a Good Credit Score: Although Root focuses on driving behavior, credit still plays a role in some states. Improving your credit score can help unlock better pricing tiers, especially for full coverage.
• Avoid Gaps in Coverage: Maintaining continuous insurance coverage shows you’re a responsible driver. Like most insurers, Root may offer lower rates to drivers who haven’t let their policies lapse.
• Drive Less Frequently: While not a direct discount, driving fewer miles and avoiding risky habits like hard braking or late-night trips can help lower your rate during Root’s test drive analysis.

Standard discounts and unique savings based on driving behavior make Root one of the best car insurance discounts, making it easy for policyholders to cut costs without sacrificing protection.

Whether you have a great driving record, a new driver, or are loving your coverage through the app, Root’s approach to car insurance puts you in control by giving you the confidence behind the wheel.

Essential Root Car Insurance Coverage Options

Selecting the best car insurance involves knowing the coverage you need to protect yourself, your car and others on the road. Root Insurance offers various essential coverages that meet legal requirements and provide added peace of mind in the event of an accident, theft, or unexpected damage.

• Bodily Injury Liability Coverage: This coverage pays for others’ medical costs, lost wages, and funeral expenses if you’re at fault. It’s required in most states and shields you from expensive injury claims.
• Property Damage Liability: Required in all states, covers repair costs for someone else’s vehicle or property if you’re at fault, helping you avoid out-of-pocket expenses.
• Collision Coverage: Collision insurance pays to repair or replace your car after an accident, no matter who’s at fault, and often covers hit-and-run or uninsured driver incidents.
• Comprehensive Coverage: Comprehensive coverage protects your car from non-collision damage like theft, vandalism, weather, and animals, covering repairs or replacement up to its fair market value.
• Uninsured Motorist Property Damage (UMPD): UMPD helps pay for damage if you’re hit by an uninsured driver or in a hit-and-run and may offer a lower deductible than a collision.

With these core coverage options, Root helps ensure you’re protected from common and costly scenarios, such as an at-fault accident, storm damage, or an uninsured driver.

By customizing your policy in the Root app, you can select the coverages that best suit your needs and budget while keeping your protection strong. This is especially true when you use tools like comparing car insurance by coverage type to make informed decisions.

Root Car Insurance Ratings & Customer Satisfaction

Root Insurance has made its name as a reliable provider in the auto insurance industry, and it’s scored high marks with major agencies as well as with customers. From customer satisfaction to volume of complaints, the figures show a company committed to service and transparency.

Root Car Insurance Business Ratings and Consumer Reviews

Agency
	Score: 850 / 1,000 Above Avg. Satisfaction
	Score: A+ Excellent Business Practices
	Score: 78/100 Good Customer Feedback
	Score: 0.85 Fewer Complaints Than Avg.

Consumer Reports rates it 78 out of 100, indicating solid customer feedback. According to NNARoots, the complaint index stands at 0.85, receiving fewer complaints than the industry average. Customer satisfaction ratings like these often reflect better service and more reliable experiences with car insurance companies.

Comment
byu/jledwards7 from discussion
inpersonalfinance

A Reddit user with expertise in telematics-based insurance shared that Root is a legitimate, state-regulated provider, and their pricing heavily favors low-mileage drivers.

While driving behavior matters, the reviewer notes that miles driven is the top factor in Root’s algorithm. For those who don’t drive much, Root can offer significant savings, just be sure to match coverage limits when comparing quotes.

Pros and Cons of Root Car Insurance

Root car insurance takes a fresh approach to auto coverage, using mobile technology and telematics to price policies based on how you drive.

Pros

• Usage-Based Pricing: Root calculates rates based on actual driving behavior, not just demographics, rewarding safe drivers with lower premiums.
• Referral Rewards: Root offers referral incentives, so you and a friend can benefit when they take a test drive and get a quote.
• Potential for Major Savings: Some users report savings of up to $900/year, especially low-mileage drivers and those with clean driving records.

Root Insurance suits safe, low-mileage drivers with its savings and app-based features, but may not fit frequent drivers or those wanting traditional service.

Cons

• Mixed Claims Experience: While some report fast claims processing, others have cited delays or inconsistent service, particularly for complex claims.
• May Not Be Cost-Effective for Riskier Drivers: Drivers with poor records or inconsistent driving behavior may receive higher rates than traditional insurers.

Root stands out for its usage-based pricing and ability to deliver actual savings to responsible, low-mileage drivers, a key factor when considering how much does mileage affect car insurance rates, since driving fewer miles often leads to lower premiums.

However, weighing that against potential downsides like claims variability and higher rates for riskier drivers is essential. Root may be an innovative, cost-effective choice if your driving habits are strong.

Root Car Insurance Offers Smart Savings for Drivers

Root Insurance offers a modern, usage-based approach by pricing policies based on driving behavior rather than demographics. This Root car insurance review highlights its strengths, including low rates for safe, low-mileage drivers, a top-rated app, and easy policy management.

However, drawbacks include limited availability, a required test drive, and mixed claims experiences. For a broader look at coverage options, it’s wise to also compare comprehensive car insurance. Root is a solid choice for tech-savvy drivers looking to save through responsible driving.

Need the cheapest car insurance possible? Enter your ZIP code into our free comparison tool to find the most affordable rates for your vehicle.