Root Auto Insurance Review: Should you buy in 2023?

What You Should Know About Root Insurance

There are many benefits to being a Root customer. Since Root will only cover safe drivers, it is able to charge less because it doesn’t have to worry about paying out claims for unsafe driving behavior. Safe drivers are rewarded by paying less for their policy. However, there are also drawbacks as well. 

Due to the fact that Root only insures safe drivers, potential customers are more likely to be declined coverage. This is how the company is able to keep its rates low. Whether or not you can get coverage also depends on where you live, because Root isn’t available in all states just yet. 

However, the number of complaints is higher than the typical average found in the industry. Most complaints are regarding the amount of time involved in handling a claim and the lengthy period for reimbursement. Other complaints include rate hikes and drivers having their coverage dropped. Root Insurance is also not currently rated with A.M. Best. 

How Root Insurance Works

Root uses real-time road data in order to provide insurance quotes. Using telematics via Root’s app on your phone, your driving habits are monitored in order to give you a personalized quote on the coverage you want. 

The way that a potential customer receives a quote is a little different when it comes to Root. First, you have to sign up for the “test drive,” which is how the company gauges your driving techniques. You can do this either from the website or the app, though you must have the app installed on your phone in order to proceed. 

Through the app, Root uses your GPS to measure your driving habits and behaviors. The amount of distance you cover, your driving routines, and habits such as hard braking and turning speed are all measured. 

Once your test drive is complete, Root will either provide you with a quote or decline to take you on as a customer. Since the company only partners with safe drivers, many drivers will not be offered a quote once they’ve completed the test drive.

This process is why Root is able to offer such low prices on its policies. Dangerous drivers often drive up the cost of car insurance. By removing these hazardous drivers from the system, Root can charge less. 

Root Insurance Coverage Options

Your Root insurance policy is going to be unique based on your personal preferences and where you live. Each state has different requirements when it comes to auto insurance, so what you need will vary. Often the coverage required by your state is going to include liability auto insurance and protection from uninsured motorists. 

However, if you want more than just the minimum level of insurance, you can also get full coverage from Root. This means you would have not just liability, but collision and comprehensive coverage as well. 

The following are the coverage types that Root offers: 

• Collision coverage. Collision provides coverage for any repairs that will be necessary after an accident, no matter who is at fault. 
• Comprehensive coverage. Comprehensive allows for protection against anything outside of an accident, including hitting a deer or any weather-related damage. 
• Bodily injury and property damage liability. This coverage will pay for any injuries, property damage, or fatalities that are caused by an accident where you were at fault. 
• Uninsured/underinsured motorist coverage. If another driver does not have insurance or a minimum policy that doesn’t cover the damage they’ve done, this coverage will protect you. 

Root also offers 24/7 roadside assistance with every policy, except in California and Nevada, where it must be purchased separately. 

Root Insurance App and Website 

Root has both an app and a user-friendly website. According to its website, you can get a quote in less than five minutes, though you’ll still need to take the test drive first. 

Root also states that you’re able to file a claim in minutes minus any paperwork. Reviews for Root Insurance have been mixed. While there are many positive testimonials on its website, there have also been customers who complain about the claim process. Root has received an A+ from the Better Business Bureau (BBB).

If you’re interested in a Root Insurance quote and you want to talk to an agent, all you have to do is enter what state you live in and the website will tell you the number to call.

Root Insurance Rates Breakdown

How much you pay for auto insurance with Root depends on the results of your test drive and whether Root decides to send you a quote. Your “scorecard” on the app will tell you how you did, such as whether or not you had smooth braking and stayed focused behind the wheel.

The test drive lasts about three weeks, and you only get one shot. Should you fail the test drive, you won’t be able to retake it. That being said, there are many reasons why drivers choose to take the test. Root offers both monthly and six-month policies, which you can pay for and manage easily through the website or the app.

While your driving habits will be the primary focus in determining what your rate will be, Root also uses a few other factors as well.

Common variables used by most auto insurance companies are the following:

• Where you live
• Your age
• Your credit score
• Your driving record
• What vehicle you drive

Below is an example of what drivers can expect to pay for minimum coverage across the country.

Compare these rates with full coverage auto insurance below. You will notice a large increase in price but you are also a lot more protected.

Besides your coverage options, insurance companies will use your driving record to set premiums. A driver with several speeding tickets or other infractions will be seen as high risk and companies will charge more to cover anticipated future claims. For more information, see cheap auto insurance companies that accept drivers with multiple accidents.

Take a look below at how much you can expect rates to increase after a single traffic ticket.

Drivers will see an even larger increase after a car accident where you are considered at fault.

Does auto insurance cover DUI accidents? It will be no surprise that the largest rate increases will happen if you get a DUI on your record.

Your credit score can also play a role in how much an insurance company charges. Insurance companies consider drivers with bad credit to be high risk. For more information, see buy cheap auto insurance for drivers with bad credit.

Take a look at the table below to see how rates fluctuate depending on a driver’s credit score.

You should also note that Root is only available in some states. According to the company website, Root is available in the following states:

• Alabama
• Arizona
• Arkansas
• California
• Colorado
• Connecticut
• Delaware
• Georgia
• Illinois
• Indiana
• Iowa
• Kansas
• Kentucky
• Louisiana
• Maryland
• Mississippi
• Missouri
• Montana
• Nebraska
• Nevada
• New Mexico
• North Dakota
• Ohio
• Oklahoma
• Oregon
• Pennsylvania
• South Carolina
• Tennessee
• Texas
• Utah
• Virginia
• West Virginia
• Wisconsin

Root also offers an availability map to show where coverage is going to become available soon.

Root Insurance Discounts Available

If you’re hoping to get a Root insurance discount, you may find that your choices are limited. Since insurance like Root is based on usage, and the company only takes on safe drivers, it’s difficult to tack on an additional safe driver discount. 

The following are the auto insurance discounts that are offered with Root: 

• Multiple-policy discount. Root offers homeowners, renters, and auto insurance, which means you can bundle and save. 
• Discount for paying up front. If you purchase a six-month policy, paying for the entire six months can net you some savings.
• Don’t use your phone while driving. You can save up to 10% off your insurance rates if you don’t make calls, text, or use any other apps on your phone while driving.
• Autosteer. If you’re a Tesla driver, this is a discount given if you use the automated steering feature.

As with most auto insurance companies, you will want to keep your policy updated if anything changes, because some discounts may not automatically apply.