Affordable car insurance quotes for good drivers
Drivers save $109/month on average when they switch.
See how easy finding the right auto insurance coverage can be.
Over 3 million drivers have already switched.
Over 3 million drivers have already switched
Better drivers deserve better car insurance rates
Root believes your safe driving habits should play a bigger role in what you pay for auto insurance. That's why we use mobile technology to understand how you drive and base your car insurance rate primarily on your driving behavior. Saving money on car insurance has never been so easy!
Get the app
Download the Root app and follow a few basic prompts to get started. The app uses your phone’s technology to measure your driving habits in the background. Just bring your phone and drive like you normally would.
Show us your safe driving
Over the course of a few weeks, the Root app measures your driving behavior and allows you to check your progress along the way. Keep driving as usual while we gather the information needed to personalize your car insurance quote.
Save based on your driving
Once your test drive is complete, Root can give you a personalized car insurance quote based primarily on how you drive. Safe drivers could qualify for better rates, making good driving even more rewarding.
Auto insurance coverage types we offer
We make car insurance simple by explaining what coverages are required in your state and which are optional. Below you can learn about the coverage types we offer, then customize your policy in the Root app any time.
Liability coverage
Liability coverage pays for another person’s injuries or property damage when you’re responsible for an accident.
Collision coverage
Get your car repaired or replaced after a collision with another vehicle or object regardless of who was at fault. Add optional Rental coverage.
Comprehensive coverage
Protect your car from damage beyond collisions, including theft, vandalism, severe weather, fire, and falling objects.
Medical coverage
Cover eligible medical expenses if you or your passengers are injured in an accident. Available coverage and benefits vary by state.
Uninsured motorist coverage
Stay protected if you’re in an accident with a driver who doesn’t have insurance or enough coverage to pay for eligible injuries or damages.
Roadside assistance coverage
Roadside assistance gets you back on the road when you're broken down with services like towing, jump-starts, and tire changes.
More reasons to choose Root car insurance
Car insurance with all the perks.
Rates primarily based on your driving
Drive like you normally would while the Root app uses mobile technology to measure your driving habits and help determine your car insurance rate.
Our best drivers save up to $1300/year
Save more when your safe driving habits help you qualify for a better rate. Root bases your rate primarily on how you drive, and our best drivers save up to $1,300 a year.
Easily manage your policy in the app
Keep your car insurance close at hand by managing your policy right in the Root app. Access your insurance information and take care of your policy on the go, all from your phone.
Earn a referral gift
Refer a friend and you could both earn a reward offer when they take the test drive and get a quote. Visit our referral page to learn more about eligibility and how the program works.
Get Roadside Assistance
Get help when the unexpected leaves you stuck. Opt into Roadside Assistance for services like towing, jump starts, lockouts, and more to help you get back on the road.
File a claim in 3 minutes
Start your car insurance claim right in the Root app as soon as an incident occurs. Upload photos and information from your phone, and let our dedicated claims team take it from there.
What can you save on your auto insurance?
Find out when you drive with the Root app. While you drive, we gather and analyze data from your smartphone’s sensors. After a few weeks, you can get a car insurance quote based on how you drive.
See where Root auto insurance is available
Don’t see your state listed here? Root is not available in all states yet, but we’re working on bringing fair car insurance to everyone in the US.
Root Car Insurance FAQs
How can I lower my car insurance rate?
Drive safely, compare car insurance quotes, and review your coverage and deductible to find opportunities to save. With Root, your driving behavior is the number one factor in determining your rate, so better driving could help you pay less for car insurance.
How do I find affordable car insurance?
Compare car insurance quotes and look at more than just the price. Consider the coverage, deductible, and how each insurance company determines your rate. Root bases rates primarily on how you drive, giving good drivers a chance to save.
How much car insurance coverage do I need?
Choose enough car insurance coverage to meet your state’s requirements and protect you financially if something happens. The right amount depends on factors like your vehicle, budget, and coverage needs. Explore different types of car insurance coverage to find what works for you.
How do I switch car insurance companies?
Compare quotes and choose your new car insurance policy before canceling your current one to avoid a gap in coverage. Once your new policy is active, you can cancel your old policy. With Root, you can get a quote and sign up right from your phone.
How does Root car insurance work?
Download the Root app and drive like you normally would. The app uses your phone’s technology to measure your driving behavior during the test drive. After a few weeks, you’ll get a car insurance quote based primarily on how you drive. Better driving could mean a better rate.
Can I bundle car and renters insurance with Root?
Yes, Root offers car and renters insurance bundles in select states. Bundling lets you keep more of your insurance coverage with Root and could help you save. Check availability where you live to see if you’re eligible to bundle car and renters insurance.
Start saving on car insurance
Get a rate based primarily on how you drive. The safer you drive, the more you could save.