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The right coverage for you is waiting in the Root app.

Take the coverage quiz to get a recommended coverage plan or explore your coverage options below.

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Types of coverage

Car insurance can be confusing. We make it simple by letting you know what coverages are required in your state and which are optional. Learn about the coverages we offer here and then customize your policy in the Root app any time.

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Liability coverage

If an accident is your fault and someone else’s property is damaged or anyone else is injured, Liability coverage covers those costs.

Bodily Injury

Required by law in all states

Bodily Injury covers injuries to others when you cause an accident.

Bodily Injury

Bodily Injury covers injuries to others when you cause an  accident. Learn more about choosing Bodily Injury coverage.

Why is this important?

Bodily Injury will pay for medical and funeral expenses and lost wages for other people when you cause an accident.

Important details to consider:

Property Damage

Required by law in all states

Property Damage covers damage to other vehicles or property when you cause an accident.

Property Damage

Property Damage covers damage to other vehicles or property when you cause an accident. Learn more about choosing property damage coverage.

Why is this important?

If you cause an accident that damages another vehicle or any other property, Property Damage will cover those costs.

Important details to consider:

  • It's the law! Everyone is required to have Property Damage insurance.

  • It does not cover your vehicle (that's where Collision and Comprehensive coverages come in).

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Car coverage

If something happens to your car, these coverages help to get it fixed so you can be back on the road quickly.

Roadside Assistance

Included with every policy

When you need help because your car won't go... Roadside Assistance to the rescue.

Roadside Assistance

When you need help because your car won't go... Roadside Assistance to the rescue. Learn more about choosing Roadside Assistance coverage.

Included with every policy

Why is this important?

If you need a tow truck or a jump start—or if you lock your keys in the car—we'll cover the help you need to get back on the road. (It makes us feel like superheroes.)

Important details to consider:

  • Roadside Assistance is included with every policy.

  • If you need Roadside Assistance, you can make a request through the app. Our Roadside Assistance partner is ready to help.

  • If you choose to use another Roadside Assistance provider, email all receipts to [email protected] for reimbursement.

  • For vehicles on your policy, you’re covered for three incidents per vehicle, per 6-month policy term, up to $100 per incident.

Collision

Collision pays for covered damage to your vehicle when you cause an accident.

Collision

Collision pays for covered damage to your vehicle when you cause an accident. Learn more about choosing Collision coverage.

Why is this important?

If you cause an accident, Collision coverage will pay for repairs to your car or for a replacement vehicle when needed. Without it, you're paying out of pocket. Or learning the bus routes.

Important details to consider:

  • This also covers damage to your vehicle if you are hit by someone without insurance or are involved in a hit-and-run.

  • Coverage costs vary based on your vehicle. Have a newer or more expensive car? Expect Collision to cost more. You can find the cost easily in the app.

  • Financing or leasing your vehicle? Your lien holder (leasing company) may require you to have Collision.

  • Remember, claims always work on a case-by-case basis.

Comprehensive

Comprehensive pays for covered damage to your vehicle caused by anything other than an accident.

Comprehensive

Comprehensive pays for covered damage to your vehicle caused by anything other than an accident. Learn more about choosing Comprehensive coverage.

Why is this important?

If your car is damaged by a storm or if it's stolen, Comprehensive coverage will pay for repairs or for a replacement vehicle. Without it, you may be paying out of pocket. Or learning the bike paths.

Important details to consider:

  • This pays for covered damage such as hail or other storm damage, flood damage, car theft, a broken windshield, or damage from hitting your friendly neighborhood deer.

  • Coverage costs vary based on your vehicle. Have a newer or more expensive car? Expect Comprehensive to cost more. Find out the cost right in the app.

  • Financing or leasing your vehicle? Your lien holder (leasing company) may require you to have Comprehensive.

  • Needless to say, there are still other limitations like intentional acts. So if you push your car off a cliff, you’re shucks out of luck.

Rental

When your vehicle is being repaired and you need a ride, Rental has you covered.

Rental

When your vehicle is being repaired and you need a ride, Rental has you covered. Learn more about choosing Rental coverage.

Why is this important?

If you were in an accident and your car is being repaired, you may need some wheels to get around. With Rental coverage, you have one less thing to worry about.

Important details to consider:

  • We offer you options — car rental or Lyft reimbursement.

  • We'll help you choose which option is best for you depending on your claim.

Uninsured Motorist Property Damage

Required by law in 8 states

Uninsured Motorist Property Damage (UMPD) covers your property when it is damaged by an uninsured driver.

Uninsured Motorist Property Damage

Uninsured Motorist Property Damage (UMPD) covers your property when it is damaged by an uninsured driver. Learn more about choosing UMPD coverage.

Why is this important?

Accidents happen, but if you’re hit by someone without insurance, you could get stuck paying for damage caused to your property. With UMPD, your property is covered regardless of whether the at-fault driver can pay. That’s good news for you.

Important details to consider:

  • UMPD also covers damage caused from a hit-and-run.

  • Collision and UMPD both cover damages caused by uninsured drivers. If you have Collision coverage, you typically do not need UMPD, although UMPD may have a lower (or no) deductible.

  • We currently only offer UMPD in certain states.

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Medical coverage

If you or your family are injured in an accident, medical coverage helps to pay for the medical expenses.

Personal Injury Protection

Required by law in 17 states

Personal Injury Protection covers medical expenses and lost wages for you and your family members, no matter who causes the accident.

Personal Injury Protection

Personal Injury Protection covers medical expenses and lost wages for you and your family members, no matter who causes the accident. Learn more about choosing Personal Injury Protection coverage.

Why is this important?

If you're in an accident, Personal Injury Protection covers medical expenses and lost wages for you and your family members. Your state may require this coverage.

Important details to consider:

  • Some states offer Medical Payments, others offer Personal Injury Protection. A few offer both.

  • All no-fault states require you to have Personal Injury Protection coverage.

  • Not sure if you need Personal Injury Protection or Medical Payments? Don't worry. Our app makes sure you have the right coverage for your state.

Medical Payments

Required by law in 8 states

Medical Payments coverage helps pay for injuries to you or your family members, no matter who causes the accident.

Medical Payments

Medical Payments coverage helps pay for injuries to you or your family members, no matter who causes the accident. Learn more about choosing MedPay coverage.

Why is this important?

If you're hurt in an accident, MedPay covers medical expenses for you or your family members. Without it, you may be paying out of pocket, and that can really add up (think ambulance rides, surgery, hospital stays, etc). Your state will offer either Medical Payments or Personal Injury Protection.

Important details to consider:

  • This coverage follows the policyholder and applies both in and out of state. That means if you're hurt in an accident using public transportation, riding a bike, or in a friend's car, you're covered.

  • If you don’t have health insurance, and are in a car accident, this could come in pretty handy.

  • Some states offer Medical Payments, others offer Personal Injury Protection. A few offer both. Our app makes sure you get the right coverage for your state.

Uninsured and Underinsured Motorist Bodily Injury

Uninsured/Underinsured Motorist Bodily Injury (UM/UIM) covers your medical expenses when you are injured by an uninsured or underinsured driver.

Uninsured and Underinsured Motorist Bodily Injury

Uninsured/Underinsured Motorist Bodily Injury (UM/UIM) covers your medical expenses when you are injured by an uninsured or underinsured driver. Learn more about choosing UM/UIM coverage.

Why is this important?

Unfortunately, not everyone on the road has liability insurance or enough insurance to cover your medical expenses if they cause an accident. If that happens, UM/UIM kicks in and you're covered. Otherwise, you might be stuck paying stacks of medical bills yourself.

Important details to consider:

  • You may see this coverage referred to as UM/UIM. Because really that's way simpler.

  • Some states require that UM and UIM coverages be sold separately.

  • Not sure if you need them separately? Don't worry. Our appmakes sure you have the right coverage for your state.

You can play around with different limits for these coverages in the app to see just how much it changes your insurance rate. Try Root for free today and see how much you can save on your car insurance.

Get a quote

Looking for “full coverage”?

There’s actually no such thing in the industry. But the term usually refers to Liability (Bodily Injury & Property Damage) + Collision & Comprehensive. Good news—Root offers all of these coverages.

  1. Bodily Injury

  2. Property Damage

  3. Collision

  4. Comprehensive

Here's why Root is the better choice for your auto insurance policy.

  1. Benjamin C.

    “Root is absolutely amazing. This cut my insurance down by over $140 a month. I'm so happy to be confident in high quality insurance at an affordable price. Every day on the road I know I'm covered and covered well. Also customer service has responded quickly and efficiently to every issue and question. 5/5 isn't good enough in my opinion.“

  2. Kyle M.

    “Awesome! I was quite skeptical since everywhere claims to be cheap and the best way to go however these guys are not like any other company. The set up was super easy. Took me about 4-5 weeks however I live like 2 miles from work so that’s understandable. It dropped my insurance rate from $1200 through Allstate for 6 months down to a little over $600! That’s amazing! Especially with me having MORE coverage than before. It’s amazing what this company is doing and their app is great to! It’s about time I get the insurance I deserve!“

  3. Eric C.

    “Decided to give the test drive a shot, and after about 3 weeks got my quote and I had to do a double-take. My wife and I previously had separate policies, but the price through Root was cheaper for both of us than just myself alone. Not only that, but it includes more coverage and a lower deductible. Will see about 6 months from now if anything changes, but so far the customer service has been great at answering my questions and very helpful.“

Root app for iPhone and Android

Choosing your car insurance coverage just got easier.

Our app makes it quick and easy to get the coverage you need—from the state minimum to the whole package. Try Root out and see how much you can save.

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Still have questions?

  1. Which states are you available in?

    We are currently available in Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Georgia, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maryland, Mississippi, Missouri, Montana, Nebraska, Nevada, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, and Virginia with more states coming soon.

  2. What qualifies me as a good driver?

    Braking, speed, turns, times of day, miles driven, and driving routes are all considered when calculating your quote. You basically just need to follow the rules of the road and be mindful of other drivers when you’re behind the wheel.

  3. Are you a real car insurance company?

    Yes. We do not represent or front for any other company, and we are backed by the biggest reinsurers in the business. When we started, we didn’t intend to become an insurance company, but we found it was the only way to fix a broken system and make insurance fair. We have fully embraced this challenge and our team is determined to change car insurance for the better.

  4. View all questions