How you drive matters most
What you drive could matter
Your car can be described in many ways—color, number of doors, year—but when it comes to insuring it, you’ll need to know the make and model of your vehicle. The make is the brand (Ford, Chevrolet, Audi, etc.). The model is the specific type of car you’ve selected like Focus, Silverado, or Q5. So, your make and model might be a Ford Focus, Chevy Silverado, or an Audi Q5.
Some makes and models are more expensive to repair than others. That’s why all insurers, including Root, need that information to offer a quote. The good news is that with Root how you drive is more important than what you drive.
Still have questions about insuring your make and model with Root?
How does Root car insurance work?
The Root app uses technology in smartphones to measure driving behavior—such as braking, speed of turns, driving times, and route consistency—and determines who is a safe driver and who isn’t. By only insuring safe drivers, Root can offer more affordable rates. And the entire Root experience is simple and easy.
You can do everything in the app—customize and purchase your policy, find your insurance card, make changes to your policy, and file a claim. We can even request cancelation of your old insurance policy for you.
What is the test drive?
The test drive is how we determine your good driving habits. We then use that information to help calculate your rate.
Here’s how it works:
Sign up in less than a minute
Drive as you normally would-keep your phone with you when you do
We'll use driving data from your phone to measure your driving behaviors. It takes about 3 weeks.
If you qualify, you'll get a quote based primarily on your good driving. The better you drive, the more you could save.
Do you cover motorcycles, ATV, exotic, or commercial vehicles?
Do you offer “full coverage?” What does “full coverage” mean?
There’s actually no such thing as full coverage in the industry. But the term usually refers to Liability (Bodily Injury and Property Damage), Collision, and Comprehensive coverages. Root offers all of these coverages.
Do you offer Roadside Assistance?
We not only offer it, we include Roadside Assistance with every Root policy. Simply make a request through the app. Any service less than $100 is covered for vehicles on your policy, up to three incidents per 6-month policy term.
Roadside Assistance is purchased separately in California.