Root coverages illustration

From the state minimum to the whole package

Which Root car insurance coverages do you need?

The right coverage for you is waiting in the Root app. Some coverages are required by law, some are required by car leasers, and some coverages can help you avoid serious expenses in the event of a major accident.

Explore your options here, and then customize your policy in the Root app.

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  • Bodily Injury

    Required by law in all states

  • Property Damage

    Required by law in all states

  • Collision

  • Comprehensive

  • Medical Payments

    Required by law in 8 states

  • Personal Injury Protection

    Required by law in 17 states

  • Uninsured and Underinsured Motorist Bodily Injury

  • Uninsured Motorist Property Damage

    Required by law in 8 states

  • Rental

  • Roadside Assistance

    Included with every policy

  • 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

    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).

  • 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. 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.

  • 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.

  • 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.

  • 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 app makes sure you have the right coverage for your state.

  • 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.

  • 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 credits.

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

  • 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:

    • We reimburse you for the roadside assistance you need. Just send us photos of the receipts.

    • Roadside Assistance is included with every Root policy.

    • We help to set you up with our preferred provider, but you can use any company you’d like.

    • We cover 3 incidents per 6-month policy term, up to $100 per incident.

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. We only insure good drivers

    Root doesn't insure high-risk drivers. So good drivers save up to 52%.

  2. Rates based on data science

    We use mobile technology and artificial intelligence to give you the rate you actually deserve.

  3. Car insurance in your pocket

    Policy, claims, and insurance card—all in one beautiful app.

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, Delaware, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maryland, Mississippi, Missouri, Montana, Nebraska, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Texas and Utah 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