Root is proud to call the Buckeye State home. We started in Ohio because it’s where innovation, hard work, and fair play intersect. And Root is founded on the principle of fairness, which means good drivers get up to 52% off their current rates.
We base rates primarily on how you actually drive, not just your demographics like age, credit score, marital status, and ZIP code.
Here’s how it works:
Root is disrupting the broken insurance system and driving Ohio into the future!
Since Ohio is now an electronic proof of insurance state, you’ll always have legal proof of coverage on hand. Root’s competitive quotes and simple app prove that car insurance can be affordable and easy for the best drivers of Ohio—from Cleveland to Cincinnati, Toledo to Dayton, and in every corner of our mighty state.
Ohio requires drivers to carry valid proof of insurance with them at all times (Root policyholders can find their electronic proof of insurance right in the Root app). Liability coverage—the minimum coverage Ohioans must carry—helps to pay for any bodily injuries or property damage that occurs from a car accident you cause. It does not cover you or your passengers (that’s what Medical Payments or Personal Injury Protection coverages are for) or your vehicle (but Collision and Comprehensive coverages do). And don’t worry, Ohioans are not required to carry no-fault insurance.
Learn all about Root’s coverage options here:Our Coverages
Good news! Ohio ranks 2nd for cheapest car insurance rates in the United States. This means competition is fierce among insurers in our state and you’re more likely to pay less. The average Ohioan pays $919 2 per year for their auto policy, but many people are paying much more. Root customers are saving up to $1,142 per year, on average—all while enjoying simple, fair car insurance.