BMW insurance from Root
Whether you drive a BMW 328i, X3 or 535i, Root can save good drivers money.
Car insurance for safe BMW drivers
Savings made simple.
It’s auto insurance for your BMW, but better. No paperwork, no hassle. Get started in less than a minute when you download the app.
Drive your BMW
We use your iPhone or Android to measure your driving behavior during the Root test drive. Better driving = more savings.
Choose a recommended plan for your BMW or explore your coverage options to create your own. Then pay for your personalized policy—all in the app.
Want to know more about insuring your BMW 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.
Can I add other people to my policy?
Yes, you can add other people to your policy as long as they live at the same address. In fact, we encourage it.
Here’s how you invite others to the test drive:
When you create your profile, you will have the option to add more drivers.
Add the drivers’ information (scan their license or add manually) and tap Continue.
After you complete your profile, you will be taken to the invite screen. Tap Invite next to each new driver’s name.
The other drivers will receive a text message with a link to download the Root app (they have to use this link to be included on your policy).
Each driver will create an account (attached to yours) with their own email address, and will start their test drive.
Did you forget to add someone when you created your profile? No worries—you can invite drivers to the test drive at any point before your test drive is complete. Here’s what you do:
Open the app.
Tap the menu in the top left corner.
Select Auto Policy.
Tap Profile info.
Select Add new driver.
When everyone on the account finishes their test drives, you’ll get your quote. You can always add more drivers after you have a policy, but they won’t take the test drive, and of course their addition will increase your price.
What will my policy cover?
At a minimum, your policy will cover Liability Insurance (required by law), Roadside Assistance (included with every policy), and any coverages required by your state.
Your Root Insurance quote will likely offer you the same coverages provided by your previous insurance company—from there, you can customize your quote to include any additional coverages you need.
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.