Root Car Insurance Review

Updated November, 2020
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Root Car Insurance provides liability, collision and comprehensive coverage for your vehicle. Good drivers save up to $900 a year with Root Insurance by keeping track of their driving score on a mobile app. Get fast quotes, great savings and other benefits that give you the best auto insurance premium possible. 

Root Car Insurance overview

Roor Insurance is a leading auto insurance company that connects you with many providers to get the best auto premiums. Based in Ohio, Root Insurance specializes in helping you save on auto coverage. They serve as your ‘middle-man’ and help you find great deals, while also giving you many benefits.
Root Insurance offers you the chance to save up to $900 a year on your premiums. Your driving is monitored on their mobile app, allowing you to get rewards for having a good driving record. The better you drive, the more you save. 

Root Car Insurance also gives you the chance to personalize your auto insurance policy. You get the best coverage to suit your needs. They provide coverage in the following states: 

  • Arizona
  • Arkansas
  • Delaware
  • Illinois
  • Indiana
  • Iowa
  • Kentucky
  • Louisiana
  • Maryland
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • New Mexico
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • South Carolina
  • Texas 
  • Utah

Pros

  • Mobile App: The Root Insurance app not only helps you manage your policy, but also monitors your driving. The better your driving, the more you save. 
  • Make Money: Get cash offers after referring friends to Root Insurance. The more friends you refer, the more you make. 
  • Roadside Assistance: Get free roadside assistance with every policy. 
  • Lyft Credits: Earn free Lyft credits and save on select holidays. 
  • Online Portal: Easily manage your policies and make payments online.

Cons

  • No high-risk coverage: Drivers looking for high-risk or SR-22 insurance aren’t able to get coverage with Root Insurance. 

Coverage options

  • Collision Coverage: Damage caused to your car during an at-fault accident are covered.  
  • Comprehensive Coverage: Covers damage done to your car that isn’t caused by another vehicle. It includes fire, explosions, earthquakes, floods. 
  • Uninsured Motorists Coverage: If you’re involved in an accident with a hit-and-run driver, your auto repairs are covered. 
  • Property Damage Liability: Damages caused to someone else’s property during a collision are paid for. 
  • Rental Car Coverage: If your car is in for repairs, you’re covered for rental car fees. 
  • Bodily Injury Liability: You’re covered for injury that you cause to someone else. This is an essential service if you drive daily. 

Root Car Insurance discounts

Root Car insurance focuses on giving you discounts for good driving. Get back hundreds on your annual auto insurance premiums by maintaining a good driving score. The Root App allows you to easily get a discounted fee based on your driving record. Save up tp $900 a year on yearly car insurance rates. 

Use the mobile app or speak to a representative via their website to find out what other discounts you’re eligible for. 

Consider Root Car Insurance, if…

Root Insurance has a reputation for being reliable, fast and competitive. They’re a great option for anyone living in one of their listed states. If you’re a good driver with a clean record, then Root Insurance is the best option for you. Their rewards for good driving help you to save hundreds on your yearly premiums.

Consider alternatives to Root Car Insurance, if…

Drivers who don’t live in one of the areas covered by Root Insurance can’t get an auto policy. In this case, you need to look elsewhere for coverage. 

Root Car Insurance also isn’t the best option for people with many marks on their driving record. They also don’t offer SR-22 insurance, so if you have  a DUI you can’t get coverage. 

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