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Fair and affordable car insurance

Better driver? Better rate.

The safer you drive the more you could save.

Coverage levels to fit your budget

Adjust coverages in the app at any time.

How we price car insurance

With Root, your driving behavior is the #1 factor in your rate.

Traditional auto insurance companies base your rate only on demographics like how old you are, your credit score, marital status, ZIP code, and whether you own a home. We don’t think that makes sense.

Instead, Root uses smartphone technology to measure your driving behavior and offer a rate based primarily on how safe you are behind the wheel. Just drive like you normally would and the Root app does the rest. We’re taking an old industry and making it fair. 

Why switch to Root?

Beyond saving good drivers money, we’re making car insurance easier, faster, and more helpful than ever before. Here’s how:

Savings of up to $900/year

Roadside Assistance included in every policy

Focused driving discount of up to an additional 10%

Easily buy and manage your policy in the Root app

Free Lyft credits on select holidays

A referral program where you can earn cash offers

File a claim in the app in about 3 minutes

Insurance cards on your phone

An easy-to-use app with a 4.7 average rating

Root has 4.7 stars for a reason

Safe Driving. Great Insurance! I switched from Geico, paid 6 months upfront and went from $1,100/6 months to $743/6 months.

Connor S.

Trying Root was the best decision I could have made. I now have full coverage while spending $400 less than what I was paying Progressive for only partial coverage.

Jennifer P.

Prices are at least half of what everyone else wants (Progressive, State Farm, etc.) and when our car got destroyed by a fallen tree limb, Root was in touch the next day and had everything done by the end of the week. If I could give more than 5 stars I would.

Tanya P.

Compare companies before making a choice

Saving money is important and so is having quality coverage. Comparing auto insurance quotes can be complicated. Here are tips to make sure Root is the right choice for you. (See what others say about us, too.)

Tips for comparing

Look at quotes side by side

When you are gathering quotes from several car insurance companies, be sure that you’re using the same drivers, vehicles, limits, and deductibles so that the comparisons are accurate. 

Consider more than price

Yes, price is important. But coverage quality, reviews, and convenience should play into your decision, too. Choosing less coverage could cost you more in the long run if you’re in an accident. 

Know your state’s minimum requirements and what each coverage means. Do you need comprehensive coverage? What about Rental Car coverage? Root explains each type to help you determine what’s best for your situation—all in the Root app or when you get a quote online.

Reevaluate your coverage with big life changes

Insurance needs change when your life changes. Root helps you navigate each stage of life so you can have the right level of coverage when you buy a new car, get married, have kids, or when you add your teenage driver to your policy. Switching insurance companies is easier than you think.

Weigh the benefits and discounts

Some companies offer discounts and perks with confusing small print. We offer Roadside Assistance with every policy and an additional 10% off for focused driving. It’s simple and fair. 

Start saving

Get a Root car insurance quote now, and see the savings when you compare rates.

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Learn more

5 tips on how to switch car insurance companies

It’s easier than you think to change insurance companies. And the amount you could save is often worth the small hassle.

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How much coverage do I (really) need?

Everyone is different, so we’re making it easy to decide if you need a coverage or if you don’t.

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How to choose Liability, Bodily Injury & Property Damage coverage

We're telling you not just what a coverage means, but what it will cost you and how to know if you even really need it.

Read more

4.7 out of 5 based on 26.7K ratings for the Root app in the App Store as of September 2019.

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Root Insurance Company

80 E. Rich Street

Suite 500

Columbus, OH 43215

Copyright ROOT 2020. ROOT is a registered servicemark of Root Insurance Company, Columbus, OH. Disclaimer for quotes: We reserve the right to refuse to quote any individual a premium rate for the insurance advertised herein. Disclaimer for coverage: Coverage is available in the event of a covered loss. Exclusions may apply. Not available in all states. Disclaimer for savings: Based on savings reported by actual customers who purchased a new Root policy between October 2019 - July 2020; changes in coverage levels not evaluated. For California residents: Telematics is not used and resulting represented savings are not applicable. Referral program not applicable. Roadside Assistance purchased as separate coverage. Visit joinroot.com/califaq for more information.