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Root Car Insurance Review 2022 – Forbes Advisor – Forbes

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Updated: Mar 21, 2022, 6:00am
Root car insurance is suited only for good drivers who aren’t seeking specialized coverage options and who are comfortable with managing their policies online.
Related: Best Car Insurance Companies
Root Insurance uses a smartphone app to record your driving habits and then bases your rates primarily on driving behavior. The idea is that better drivers should pay less for car insurance. Root Insurance believes the result is a simple and more personalized experience compared to a traditional car insurance policy.
Root offers the following types of auto insurance coverage:
Root’s level of complaints is substantially above the industry average. Car insurance complaints tend to be about claim denials, unsatisfactory settlements and delays.
In a survey of collision repair experts by CRASH Network, Root Insurance earned a C grade.
The opinions of auto body experts are valuable because they see how insurers compare in terms of using lower-quality repair parts, whether they encourage the use of repair procedures recommended by car manufacturers, and whether insurers have claims processes that lead to fast and satisfactory claims for policyholders.
Root Insurance doesn’t take the traditional approach of offering “driver initiated” discounts that you may have to ask for at other insurance companies, such as good driving discounts, good student discounts and vehicle-specific discounts (like having seatbelts, airbags and anti-theft devices).
Instead, Root Insurance says its discounts are built into a car insurance quote. Since Root’s rates are based on measuring actual driving, the company says good drivers can save up to $900 per year.
Root uses a smartphone app to track customers’ driving behaviors. The app can track your car’s location, speed and mileage. Root’s app also monitors the following safe driving factors:
Once you install the Root app, it evaluates your driving, based on the metrics above, over the course of about three weeks in what Root calls a “test drive.” The company then lets you know if you qualify for coverage and, if so, gives you a quote.
If you do poorly on the test drive, Root likely won’t offer you coverage. If you don’t score well enough to buy Root insurance, you can’t retake the driver test.
Root sells six-month policies, which you manage and pay for through the app.
The company says that driving gets more weight than any other single factor when pricing a policy, but it does take into account some non-driving variables. Root factors in where you live, your credit, your driving record, marital status, type of vehicle you have, your age and if you had prior insurance coverage.
Root is not available in the following states: Alabama, Alaska, District of Columbia, Idaho, Florida, Hawaii, Maine, Massachusetts, Michigan, Minnesota, New Hampshire, New Jersey, New York, North Carolina, Rhode Island, South Dakota, Washington, Wyoming and Vermont.
Roadside assistance for incidents covered by your policy is included with all Root policies. Services include battery jump-starts, lockouts, fuel delivery, towing, winching and spare-tire installation. Root covers these services up to $100, up to three times per vehicle, per six-month policy.
Root also offers homeowners insurance in 18 states. If you have car insurance with Root, you will get a discount for bundling your auto and home insurance. In certain states, you can buy homeowners insurance without bundling a Root car insurance policy.
In addition to standard home insurance coverage types, you’ll find options from Root such as coverage for water backup and sump pump overflow, additional dwelling coverage, service line coverage, identity theft expense insurance and earthquake insurance.
Root offers renters insurance in nine states, starting at $6 per month. Renters insurance covers your belongings for problems like theft, fire, explosions and tornadoes. It also includes liability coverage in case you’re legally liable for certain injuries or property damage to someone else. If you cannot live in your home due to a problem covered by your policy, renters insurance also includes additional living expenses.
In 2015, Alex Timms co-founded Root Insurance with the guiding principle of pricing car insurance based on driving behaviors. The company uses mobile technology to track driving habits and then prices policies accordingly.
Root has committed to removing credit scores as a pricing factor by 2025 through it’s “Drop the Score” initiative.
Root’s charitable causes run the gamut from social issues to cancer research. Here are some of the causes Root helps:


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