Root Insurance Reviews 2023

Last Updated: March 2, 2023

TLTR: Explore the services offered by Root Insurance to its customers. This review focuses on what the company offers and how much the policies cost insurance buyers. Read on to find out why they are one of the most sought-after car insurance companies in the country.

About Root Insurance

Root Insurance is a relatively new entrant into the car insurance market, founded in 2015. The company operates on the premise of using data and technology to offer personalized insurance rates to customers. Root Insurance is available in over 30 states in the United States and has been gaining traction in recent years.

One of the most significant advantages of Root Insurance is its use of telematics to determine insurance rates. Customers download the Root app, which tracks their driving habits, like speed, braking, and acceleration. Root Insurance then uses this data to determine personalized rates based on the individual’s driving habits. This approach can be beneficial for safe drivers looking for lower insurance rates, and it provides a unique selling point for Root Insurance.

Root Insurance also offers standard car insurance options, including liability, collision, and comprehensive coverage. Customers can choose the level of coverage that they need, and the company offers competitive rates for each level of coverage.

Pros and Cons

• Root can keep rates low by refusing to cover risky drivers
• Easy to obtain SR-22
• Extremely user-friendly app
• Transparent about how it determines rates
• Telematics-based approach

• More likely than other companies to decline coverage
• Not available in all states
• More complaints to state regulators than expected
• Lack of traditional discounts
• Limited coverage options

Root Insurance policy rates

Root Insurance’s policy rates are determined through telematics, which track the policyholder’s driving habits through the Root app. This approach means that policy rates vary widely depending on the individual’s driving habits.

For safe drivers, Root Insurance can offer very competitive rates. The company claims safe drivers can save up to 52% on their car insurance premiums by switching to Root. This is because Root’s telematics-based approach allows the company to assess risk better and provide personalized rates to customers.

However, for drivers with poor driving habits or a history of accidents and traffic violations, Root Insurance may not be the most affordable option. Because the company primarily focuses on safe drivers, those with a less- than- perfect driving record may receive higher rates than they would with other insurance companies.

It’s worth noting that Root Insurance does not offer a standard no-claims discount, which is a common feature of traditional car insurance policies. Instead, policyholders are incentivized to maintain safe driving habits and avoid accidents throughtelematics. By driving safely, policyholders can earn lower rates over time.

Overall, Root Insurance’s policy rates can be very competitive for safe drivers but may not be the most affordable option for those with poor driving habits or a history of accidents and traffic violations. The use of telematics to determine rates provides a unique selling point for the company and can be an excellent option for drivers looking for personalized car insurance rates.

Discounts by Root Insurance

Root Insurance offers a variety of discounts to policyholders. These discounts incentivize safe driving habits and reward loyal customers. Here are some of the discounts that Root Insurance offers:

Safe driving discount: Root Insurance’s telematics-based approach means that safe drivers can earn lower rates. By driving safely and avoiding accidents, policyholders can earn discounts of up to 52% on their car insurance premiums.

Multi-car discount: Root Insurance offers a discount for policyholders who insure more than one car with the company. This discount can help families or households with multiple vehicles save on insurance premiums.

Loyalty discount: Root Insurance rewards loyal customers with a discount on insurance premiums. The longer a policyholder stays with the company, the higher the loyalty discount they can earn.

Good student discount: Students who maintain a high GPA can earn a discount on their car insurance premiums with Root Insurance. This discount is designed to incentivize safe driving habits and encourage academic success.

Homeowner discount: Root Insurance offers a discount to policyholders who own their homes. This discount can help homeowners save money on their car insurance premiums.

It’s worth noting that the availability of discounts may vary depending on the state in which you live and the specifics of your policy. However, Root Insurance offers a variety of discounts to help policyholders save money on their car insurance premiums. By driving safely and taking advantage of these discounts, policyholders can save significant money on their car insurance over time.

Customer Reviews

Filed a claim and received payment 7 days later!! Answered all of my questions on the spot. Great customer service, great company.

I love that Root is so much more affordable than all the other insurance companies I’ve gotten quotes from. We have better coverage and more options and are saving $60/mo.

There’s a lot that I like about the app and the company… but I’ll tell you what I hate. When I’m trying to watch videos, text friends, or even surf the net, the app turns itself on and hogs all of my phone resources. Causing videos to lag and freeze, other apps to shut down and media texts to fail to send it be received. You can’t turn it off once it’s on and you have to hope it turns off sooner than later. Everything else about the app’s usability is great.

I love the concept, yet the app needs a lot of work. My girlfriend goes with me almost everywhere, so she is always choosing music. There isn’t a way to let the app know the person who has the phone isn’t driving so it thinks it’s me. Also, root will continue to keep drive tracking on even after I stop and get out of the car. Or if I get in my car, it will activate even if I haven’t started driving yet. The app needs more accuracy please.

Source: Root Insurance, Google Reviews

Our Review

Overall, Root Insurance is an excellent option for safe drivers who are looking for personalized insurance rates and a user-friendly experience. The use of telematics to determine rates is a unique approach that sets Root Insurance apart from other companies. However, if you have a history of accidents or traffic violations, you may want to consider other insurance options.

Sources

• Root Insurance
• Nerd Wallet
• Value Penguin
• Google Play Store