{"id":323905,"date":"2025-11-07T22:51:10","date_gmt":"2025-11-08T03:51:10","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=137574"},"modified":"2025-11-07T22:51:11","modified_gmt":"2025-11-08T03:51:11","slug":"root-review","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/car\/root-review\/","title":{"rendered":"Root Car Insurance Review"},"content":{"rendered":"\n\n            <span class=\"b-toc-anchor\" id=\"Report\" title=\"Reviews Report\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Reviews Report<\/h2>\n\n\n\n<ul class=\"is-style-blog-list\"><li>Root\u2019s insurance subsidiaries carry an A.M. Best B- (Fair) financial strength rating with a Stable outlook, and Root is not included in the latest J.D. Power U.S. Auto Insurance Study results (<a href=\"https:\/\/www.sec.gov\/ixviewer\/doc?action=display&#038;source=content&#038;filename=\/Archives\/edgar\/data\/1788882\/000162828024010072\/root-20231231.htm\">SEC 10-K disclosure<\/a>; <a href=\"https:\/\/ratings.ambest.com\/ratings\/guide.pdf\">A.M. Best rating definitions<\/a>; <a href=\"https:\/\/www.jdpower.com\/press-releases\/2025-us-auto-insurance-study\">J.D. Power study<\/a>).<\/li><li>Root is a telematics-first auto insurer that prices primarily on measured driving behavior captured through a smartphone-based Test Drive, with other rating factors applied as permitted by state law (<a href=\"https:\/\/www.rootinsurance.com\">how Root works<\/a>; <a href=\"https:\/\/www.rootinsurance.com\">Test Drive<\/a>).<\/li><li>Multi-policy savings are typically available when you bundle Root auto with renters insurance offered through Root Insurance Agency (availability varies by state). Auto is currently offered in 30+ states; check the live state list before quoting (<a href=\"https:\/\/www.root.com\/renters-insurance\">renters and bundling<\/a>; <a href=\"https:\/\/www.root.com\/availability\">availability by state<\/a>).<\/li><\/ul>\n\n\n\n<p>Root operates squarely within the <a href=\"https:\/\/content.naic.org\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\"> usage-based insurance (UBI)<\/a> space, using smartphone telematics to assess on-road behavior and exposure (including mileage) to personalize rates. UBI programs are increasingly smartphone-first, with growing use of embedded vehicle data exchanges to verify mileage and enrich risk signals (<a href=\"https:\/\/risk.lexisnexis.com\">LexisNexis Telematics Exchange<\/a>; <a href=\"https:\/\/www.cmtelematics.com\/drivewell\/\">Cambridge Mobile Telematics DriveWell<\/a>).<\/p>\n\n\n\n<p>Financially, Root\u2019s operating insurers are rated B- (Fair) by A.M. Best (Stable outlook), indicating a fair ability to meet ongoing insurance obligations but greater sensitivity to adverse conditions than higher-rated carriers (<a href=\"https:\/\/www.sec.gov\/ixviewer\/doc?action=display&#038;source=content&#038;filename=\/Archives\/edgar\/data\/1788882\/000162828024010072\/root-20231231.htm\">SEC filing<\/a>; <a href=\"https:\/\/ratings.ambest.com\/ratings\/guide.pdf\">A.M. Best guide<\/a>). Root is not currently ranked by <a href=\"https:\/\/www.jdpower.com\/press-releases\/2025-us-auto-insurance-study\">J.D. Power\u2019s U.S. Auto Insurance Study<\/a>. Beyond auto, Root distributes renters (and select homeowners via partners) through Root Insurance Agency, enabling auto + renters bundling where available (<a href=\"https:\/\/www.root.com\/renters-insurance\">learn more<\/a>).<\/p>\n\n\n\n<p>We reviewed Root\u2019s coverage, pricing model, discounts, customer experience, availability, and claims to see how it stacks up in 2025. Because Root\u2019s footprint is dynamic, verify current availability on Root\u2019s live <a href=\"https:\/\/www.root.com\/availability\">availability page<\/a> before buying or renewing.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"overview\" title=\"Root Insurance Overview\"><\/span>\n    \n\n\n<section id=\"block_60b7c5cc073de\" class=\"block b-stats-overview\">\n    <h2 class=\"b-stats-overview-title\">Root Insurance Overview<\/h2>\n    <div class=\"b-stats-overview-grid\">\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\" b-stats-overview-grid-item-title\">\n                Reviews.com Score:\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">4.6<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\" b-stats-overview-grid-item-title\">\n                In business since\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">2015<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\"tooltip b-stats-overview-grid-item-title\">\n                AM Best:\n                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">B- (Fair)<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\"tooltip b-stats-overview-grid-item-title\">\n                J.D. Power\n                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">N\/A<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\" b-stats-overview-grid-item-title\">\n                States served\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">30+<\/span>\n        <\/div>\n            <\/div>\n<\/section>\n\n\n\n<p>For drivers confident in their safe driving, Root\u2019s app-first model can deliver a highly personalized rate. Start an online quote and complete a short Test Drive; your final rate is driven largely by how you actually drive, with other factors applied as permitted in your state (<a href=\"https:\/\/www.rootinsurance.com\">details<\/a>).<\/p>\n\n\n\n<p>Industry and business coverage from outlets like<a href=\"https:\/\/www.spglobal.com\/marketintelligence\/en\/news-insights\/research\/insurtech-startup-root-is-growing-like-a-weed\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\"> S&amp;P Global<\/a> and <a href=\"https:\/\/www.bloomberg.com\/news\">Bloomberg<\/a>, along with Root\u2019s own <a href=\"https:\/\/ir.joinroot.com\">investor relations updates<\/a>, describe a focus on profitable growth, selective state expansion, and embedded distribution partnerships\u2014consistent with market-wide momentum toward telematics-driven pricing.<\/p>\n\n\n\n<br>\n\n\n\n<section id=\"block_60b7cd57073e4\" class=\"block b-pro-cons\">\n            \n<div class=\"b-pro-cons__wrapper\">\n    <h4 class=\"b-pro-cons__title b-pro-cons__title--important\"> PROS<\/h4>\n    <ul class=\"b-pro-cons__list b-pro-cons__list--pros\">\n                                <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Premiums based on driving behaviors<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Root\u2019s pricing is anchored to your in\u2011app driving score from the Test Drive, aligning your rate to measured braking, speed, cornering, and exposure; traditional factors still apply where allowed (<a href=\"https:\/\/www.rootinsurance.com\">how Test Drive works<\/a>; <a href=\"https:\/\/content.naic.org\">NAIC on telematics<\/a>).<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Ease of obtaining quote<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Digital quote + app-based Test Drive streamline onboarding; policy management, ID cards, payments, and claims reporting are handled in-app (<a href=\"https:\/\/www.rootinsurance.com\">program details<\/a>).<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Offers referral rewards<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Root periodically runs promotions and savings opportunities alongside standard discounts like multi-car and multi\u2011policy (auto + renters); availability and amounts vary by state\u2014verify in\u2011app at quote time (<a href=\"https:\/\/www.rootinsurance.com\">discounts overview<\/a>; <a href=\"https:\/\/www.root.com\/renters-insurance\">bundling renters<\/a>).<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Completely app-based<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">With the <a href=\"https:\/\/www.joinroot.com\/app\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Root app<\/a>, policyholders can view their policies and ID cards, pay bills, submit and monitor claims, call for roadside assistance, and manage all other aspects of their policy.<\/span>\n                            <\/li>\n                <\/ul>\n<\/div>\n    \n            \n<div class=\"b-pro-cons__wrapper\">\n    <h4 class=\"b-pro-cons__title b-pro-cons__title--important\"> CONS<\/h4>\n    <ul class=\"b-pro-cons__list b-pro-cons__list--cons\">\n                                <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Coverage not offered in all states<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Availability varies by state and can change; confirm your eligibility on Root\u2019s live map before quoting (<a href=\"https:\/\/www.root.com\/availability\">state availability<\/a>).<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Financial stability still uncertain<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Root\u2019s operating insurers hold an A.M. Best B- (Fair) rating with a Stable outlook\u2014below the A-range typical of large national carriers (<a href=\"https:\/\/www.sec.gov\/ixviewer\/doc?action=display&#038;source=content&#038;filename=\/Archives\/edgar\/data\/1788882\/000162828024010072\/root-20231231.htm\">rating disclosed in SEC filing<\/a>; <a href=\"https:\/\/ratings.ambest.com\/ratings\/guide.pdf\">what B\u2011 (Fair) means<\/a>).<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Limited coverage options<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Compared with larger carriers, Root focuses on core auto coverages and a narrower menu of traditional discounts, emphasizing your driving score for savings (<a href=\"https:\/\/www.rootinsurance.com\">program scope<\/a>).<\/span>\n                            <\/li>\n                <\/ul>\n<\/div>\n    <\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"highlights\" title=\"Root Car Insurance Highlights\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Root Car Insurance Highlights<\/h2>\n\n\n                \n<section id=\"block_60b81633073ec\" class=\"block b-highlights-tabs\">\n    <h2 class=\"b-highlights-tabs__title\"><\/h2>\n    \n    <div class=\"b-highlights-tabs__tabs-list\">\n        <div class=\"b-highlights-tabs__tabs-list-nav\">\n                            <div class='b-highlights-tabs__tabs-list-nav-item active' data-index=\"1\"> Coverage <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"2\"> Customer <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"3\"> Discounts &#038; Add-ons\r\n\r\n <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"4\"> Claims <\/div>\n                    <\/div>\n\n        <div class=\"swiper-container\">\n            <div class=\"swiper-wrapper\">\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Coverage\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p><span style=\"font-weight: 400;\">Root offers core personal auto coverages (liability, collision, comprehensive, medical payments\/PIP, uninsured\/underinsured motorist) with app-based policy management. Availability and add-ons vary by state.<\/span> <a href=\"https:\/\/www.rootinsurance.com\">See how Root auto works<\/a>.<\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Customer\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p>Root is not currently scored in <a class=\"achor-toggles\" href=\"https:\/\/www.jdpower.com\/press-releases\/2025-us-auto-insurance-study\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" aria-label=\" (opens in a new tab)\">J.D. Power\u2019s U.S. Auto Insurance Study<\/a>. For a normalized, regulator-sourced view, check Root\u2019s latest Private Passenger Auto Complaint Index via the NAIC Consumer Insurance Search (1.00 = market average; higher indicates more complaints relative to share): <a href=\"https:\/\/eapps.naic.org\" target=\"_blank\" rel=\"noopener\">NAIC CIS<\/a>. For app experience, Root\u2019s mobile apps are highly rated by users\u2014see the <a href=\"https:\/\/apps.apple.com\">Apple App Store listing<\/a> and <a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.joinroot.root\">Google Play listing<\/a>; independent sites like <a href=\"https:\/\/www.trustpilot.com\/review\/joinroot.com\">Trustpilot<\/a> provide additional perspective.<\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Discounts &#038; Add-ons\r\n\r\n\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p><span style=\"font-weight: 400;\">Your biggest savings lever is the Test Drive driving score; Root also lists multi-car and multi-policy (auto + renters) savings where available, with amounts varying by state.<\/span> <a href=\"https:\/\/www.rootinsurance.com\" target=\"_blank\" rel=\"noopener\">Car insurance discounts<\/a> and <a href=\"https:\/\/www.root.com\/renters-insurance\">renters bundling<\/a> can stack depending on state rules.<\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Claims\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p><span style=\"font-weight: 400;\">Root supports fast, app-based first notice of loss: answer guided questions and upload photos directly in the app.<\/span><a href=\"https:\/\/www.rootinsurance.com\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\"> submit a claim<\/span><\/a><span style=\"font-weight: 400;\">. Telematics is increasingly used for crash detection and triage across the industry, improving speed and accuracy of claims setup (<\/span><a href=\"https:\/\/www.cmtelematics.com\/drivewell\/\" target=\"_blank\" rel=\"noopener\">CMT DriveWell<\/a><span style=\"font-weight: 400;\">).<\/span><\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                            <\/div>\n\n            <div class=\"swiper-navigation-wrapper-refresh\">\n                <div class=\"swiper-button-prev\"><\/div>\n                <div class=\"swiper-pagination\"><\/div>\n                <div class=\"swiper-button-next\"><\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"bundle\" title=\"Root\u2019s Car Insurance Bundling Discounts\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Root\u2019s Car Insurance Bundling Discounts for Cheaper Insurance<\/h2>\n\n\n\n<p>Root markets renters insurance through Root Insurance Agency and, in select states, homeowners via partner underwriters. Some offers may be available only to customers who also carry Root auto. Where offered, bundling Root auto with renters can unlock multi\u2011policy savings that are applied within your quote\u2014amounts vary by state (<a href=\"https:\/\/www.root.com\/renters-insurance\">renters and bundling<\/a>).<\/p>\n\n\n\n<p>Start by checking Root\u2019s live <a href=\"https:\/\/www.root.com\/availability\">availability page<\/a> to confirm whether auto (and any bundled products) are currently offered in your state. Because Root\u2019s footprint can change with regulatory approvals, confirm availability with a Root representative if needed.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"competition\" title=\"Root Car Insurance vs. The Competition \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Root Car Insurance vs. The Competition&nbsp;<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Provider<\/strong><\/td><td><strong>Reviews.com Score<\/strong><\/td><td><strong>J.D. Power Customer Satisfaction*<\/strong><\/td><td><strong>AM Best<\/strong><\/td><td><strong>Number of Available Discounts**<\/strong><\/td><\/tr><tr><td>Root<\/td><td>4.6<\/td><td>N\/A<\/td><td>B- (Fair)<\/td><td>Varies by state&nbsp;<\/td><\/tr><tr><td><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/travelers-review\/\">Travelers<\/a><\/td><td>4.2<\/td><td>Varies by region<\/td><td>A+<\/td><td>Varies by state<\/td><\/tr><tr><td><a href=\"https:\/\/www.reviews.com\/insurance\/car\/geico-review\/\">Geico<\/a><\/td><td>4.8<\/td><td>Varies by region<\/td><td>A++<\/td><td>Varies by state<\/td><\/tr><tr><td><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/auto-owners-review\/\">Auto-Owners<\/a><\/td><td>4.4<\/td><td>Varies by region<\/td><td>A++<\/td><td>Varies by state<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>Information current as of 2025<\/em><\/p>\n\n\n\n<p><em>*J.D. Power\u2019s <a href=\"https:\/\/www.jdpower.com\/press-releases\/2025-us-auto-insurance-study\" rel=\"nofollow\" class=\"achor-toggles\">2021 Auto Insurance Satisfaction Study<\/a> rankings vary by region. Based on a 1,000-point scale where published.&nbsp;<\/em><\/p>\n\n\n\n<p><em>**Discounts available may vary depending upon state requirements and driver eligibility.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Root vs. Travelers<\/h3>\n\n\n\n<p>Both Root and<a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/travelers-review\/\"> Travelers<\/a> offer behavior-based pricing. Travelers is a large multiline carrier with a broad menu of endorsements and discounts plus its <a href=\"https:\/\/www.travelers.com\/car-insurance\/programs\/Intellidrive\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">IntelliDrive program<\/a>, which can deliver savings for safe driving and, in many states, higher premiums for risky driving (<a href=\"https:\/\/www.travelers.com\">discounts and program details<\/a>). Root is \u201call-in\u201d on telematics with a short Test Drive to personalize your rate\u2014compare full quotes (including telematics options) from both to see which fits best.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Root vs. Geico<\/h3>\n\n\n\n<p>This is a challenger vs. incumbent comparison: Root is a mobile-first insurer with selective state availability, while <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.reviews.com\/insurance\/car\/geico-review\/\" target=\"_blank\" rel=\"noreferrer noopener\" class=\"achor-toggles\">Geico<\/a> has nationwide presence and extensive coverage options plus DriveEasy telematics for safe-driving savings (<a href=\"https:\/\/www.geico.com\">program and discounts<\/a>). Root may offer strong, behavior-based pricing for consistently safe drivers; Geico provides a wider set of traditional discounts and endorsements.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Root vs. Auto-Owners<\/h3>\n\n\n\n<p><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/auto-owners-review\/\">Auto-Owners<\/a> generally scores among top performers in independent satisfaction and repair-experience benchmarks, while Root is often unrated in those studies. Root\u2019s subsidiaries hold an A.M. Best B- (Fair) rating; Auto-Owners carries A++ financial strength. J.D. Power rankings and CRASH Network report cards provide additional context by region and claims experience (<a href=\"https:\/\/www.jdpower.com\/press-releases\/2025-us-auto-insurance-study\">J.D. Power 2025<\/a>; <a href=\"https:\/\/www.crashnetwork.com\/irc\">CRASH Network Insurer Report Card<\/a>).<\/p>\n\n\n\n<p>With Auto-Owners, you can work through independent agents to customize coverage and discounts (including optional telematics). Root\u2019s app-centric model lets customers manage everything digitally and potentially earn lower premiums based on measured driving behavior (<a href=\"https:\/\/www.rootinsurance.com\">how Root works<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"faq\" title=\"Root Car Insurance FAQ \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Root Car Insurance FAQ&nbsp;<\/h2>\n\n\n<div id=\"block_60b81939073f1\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is Root car insurance legit?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Yes. Root underwrites personal auto through its licensed insurance subsidiaries, which hold an A.M. Best B- (Fair) financial strength rating with a Stable outlook. Root does not appear in the latest J.D. Power U.S. Auto Insurance Study, so use other indicators such as NAIC Complaint Index and app-store ratings when evaluating customer experience (<\/span><a href=\"https:\/\/www.sec.gov\/ixviewer\/doc?action=display&#038;source=content&#038;filename=\/Archives\/edgar\/data\/1788882\/000162828024010072\/root-20231231.htm\"><span style=\"font-weight: 400;\">SEC filing<\/span><\/a><span style=\"font-weight: 400;\">; <\/span><a href=\"https:\/\/ratings.ambest.com\/ratings\/guide.pdf\"><span style=\"font-weight: 400;\">A.M. Best rating definitions<\/span><\/a><span style=\"font-weight: 400;\">; <\/span><a href=\"https:\/\/www.jdpower.com\/press-releases\/2025-us-auto-insurance-study\"><span style=\"font-weight: 400;\">J.D. Power study<\/span><\/a><span style=\"font-weight: 400;\">; <\/span><a href=\"https:\/\/eapps.naic.org\"><span style=\"font-weight: 400;\">NAIC CIS<\/span><\/a><span style=\"font-weight: 400;\">).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60b81963073f2\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How does Root car insurance work?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Root bases premiums primarily on driving behavior measured via its smartphone app during a short Test Drive. Signals can include braking, speeding, cornering, time of day, and distraction\u2014augmented by other permitted rating factors. UBI programs like Root\u2019s are part of a broader industry shift toward smartphone-first telematics, with growing use of embedded vehicle data for mileage verification (<\/span><a href=\"https:\/\/www.rootinsurance.com\"><span style=\"font-weight: 400;\">Root Test Drive<\/span><\/a><span style=\"font-weight: 400;\">; <\/span><a href=\"https:\/\/content.naic.org\"><span style=\"font-weight: 400;\">NAIC explainer<\/span><\/a><span style=\"font-weight: 400;\">; <\/span><a href=\"https:\/\/risk.lexisnexis.com\"><span style=\"font-weight: 400;\">data exchange context<\/span><\/a><span style=\"font-weight: 400;\">).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60b8199c073f3\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is Root better than Geico? <\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">It depends on your priorities and state. Root may deliver strong savings for consistently safe drivers via its telematics Test Drive, while Geico offers wider coverage options and a broad discount menu plus DriveEasy telematics. For third-party satisfaction benchmarks, Geico appears in J.D. Power\u2019s regional rankings while Root is not included\u2014compare in your region and run quotes from both.<\/span> <a href=\"https:\/\/www.rootinsurance.com\">Root details<\/a> | <a href=\"https:\/\/www.geico.com\">Geico discounts &#038; DriveEasy<\/a> | <a href=\"https:\/\/www.jdpower.com\/press-releases\/2025-us-auto-insurance-study\">J.D. Power study<\/a><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60b819bd073f4\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is Root insurance full coverage?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">\u201cFull coverage\u201d commonly refers to liability plus collision and comprehensive. Root offers these core coverages in states where it operates, with options varying by state. Manage quotes, ID cards, and claims in the app.<\/span> <a href=\"https:\/\/www.rootinsurance.com\">See coverages<\/a><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"methodology\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>We evaluated Root car insurance based on discounts, coverage, online resources, financial strength, availability, and customer satisfaction to determine Reviews.com scores and create our best car insurance reviews. To compare carriers on a consistent basis, we considered:<\/p>\n\n\n\n<ul><li>Discounts: Documented savings such as multi-car and multi-policy (auto + renters) were credited where publicly listed; availability and amounts vary by state (<a href=\"https:\/\/www.rootinsurance.com\">Root discounts<\/a>).<\/li><li>Financial Stability: We used A.M. Best financial strength ratings to benchmark stability and outlook (<a href=\"https:\/\/ratings.ambest.com\/ratings\/guide.pdf\">A.M. Best definitions<\/a>).<\/li><li>Customer Satisfaction: Where available, we referenced regional results from the latest <a href=\"https:\/\/www.jdpower.com\/press-releases\/2025-us-auto-insurance-study\" rel=\"nofollow\" class=\"achor-toggles\">2021 Auto Insurance Satisfaction Study<\/a>. For carriers not included (e.g., Root), we emphasized the NAIC Complaint Index (1.00 = market average) and corroborated with BBB and app-store indicators (<a href=\"https:\/\/eapps.naic.org\">NAIC CIS<\/a>).<\/li><li>Coverage: We awarded higher scores to carriers advertising options beyond state-minimum liability, such as comprehensive and collision, and to those with strong digital servicing (<a href=\"https:\/\/www.rootinsurance.com\">Root coverages<\/a>).<\/li><li>Online Resources: We reviewed digital features (mobile claim reporting, digital ID cards, payments) and in-app experiences, considering user ratings on iOS and Android (<a href=\"https:\/\/apps.apple.com\">App Store<\/a>; <a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.joinroot.root\">Google Play<\/a>).<\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Reviews Report Root\u2019s insurance subsidiaries carry an A.M. Best B- (Fair) financial strength rating with a Stable outlook, and Root is not included in the latest J.D. Power U.S. Auto Insurance Study results (SEC 10-K disclosure; A.M. Best rating definitions; J.D. Power study). Root is a telematics-first auto insurer that prices primarily on measured driving [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":362250,"parent":1760,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh-spr.php","meta":[],"categories":[1266],"tags":[21449],"post_author":[25484],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Root Car Insurance Review 2021 | Reviews.com<\/title>\n<meta name=\"description\" content=\"Root insurance reviews show a relatively new company with the potential for premiums savings for customers, compare quotes and Root insurance claims review.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/car\/root-review\/\" \/>\n<meta property=\"og:locale\" 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