Root Car Insurance: A Modern Take on Auto Insurance
Root Insurance has quickly gained attention in the auto insurance world. Unlike traditional insurers, Root uses a technology-first, telematics-based approach to price policies — all through a smartphone app.
Instead of relying on old-school metrics like age, gender, or ZIP code, Root calculates premiums based on your actual driving habits. This can lead to lower rates for safe drivers.
Root Car Insurance: A Newcomer in a Historic Industry
Founded in 2015, Root is practically brand new compared to major competitors. Here’s how Root stacks up on the timeline:
- The Hartford – Founded in 1810
- Travelers – Founded in 1864
- Liberty Mutual – 1912
- Amica Mutual Insurance – 1907
- AAA Insurance – 1902
- Auto-Owners Insurance – 1916
- State Farm – 1922
- USAA – 1922
- Safeco Insurance – 1923
- Erie Insurance – 1925
- Nationwide – 1926
- American Family Insurance – 1927
- Farmers Insurance – 1928
- Allstate – 1931
- GEICO – 1936
- Progressive – 1937
- National General Insurance – 1939
- CSAA Insurance Group – 1914
- Mercury Insurance – 1961
- MetLife Auto & Home – 1972
- Root Insurance – 2015
While its young age means Root hasn’t weathered as many financial storms, the upside is that it’s free from outdated systems — making it more agile and consumer-focused.
How Root Car Insurance Pricing Works
Root’s pitch is simple:
“Car insurance, based on how you drive — not who you are.”
Here’s how it works:
- Download the Root Insurance app.
- Allow it to track your driving behavior.
- Safe drivers often receive lower premiums.
This model can feel fairer, especially if you’re a good driver tired of being lumped in with riskier drivers in your demographic.
Is Root Car Insurance Cheaper?
For many safe drivers, Root Insurance offers competitive rates. But insurance pricing is local, so your savings will vary based on:
- Your state.
- Your driving habits.
- Market conditions.
It’s always smart to get quotes from multiple companies — Root could surprise you, but comparison shopping is essential.
Root Car Insurance: Customer Reviews and Complaints
Root has a higher-than-average complaint rate with the National Association of Insurance Commissioners (NAIC) — mainly for claims handling and customer service.
The good news? Complaint rates have been dropping over the past three years, likely due to increased investment in customer support.
Should You Choose Root Car Insurance?
Root Insurance could be a great fit — especially for tech-savvy, safe drivers. But here’s the golden rule of car insurance:
Always compare quotes from multiple companies.
The easiest way? Work with an independent insurance agent. These agents:
- Work for you, not the insurance company.
- Compare offers from 200+ insurance providers.
- Help you find discounts and proper coverage.
- Advocate for you if you ever file a claim.
Our partner at The Yukon Project connects you with one of the largest independent insurance agencies in the U.S.
It costs you nothing — their fees are covered by the insurer’s marketing budget. No obligation, just potential savings.
Share Your Root Insurance Experience!
If you’ve used Root, drop your thoughts in the comments — your experience could help others make an informed choice.
