Download the app

Understanding your car insurance options during COVID-19

At Root, we are committed to being responsive to the needs of our customers as the coronavirus (COVID-19) situation evolves. We know that car insurance is a significant expense, and we’ve gathered the following resources to help you during this time.

How do I reduce my coverages to lower my bill?

If you need to, you can update your policy to carry state minimum coverage and reduce your price. You can always review your coverages to be sure you’re paying for what you need right now. Adjustments can be made right in the Root app.

  1. Tap Policy & Payments

  2. Select Policy

  3. Tap Coverages

  4. Make the desired changes to your coverages, limits, and/or deductibles

  5. Select Continue to see your updated price

Why is it important to keep state minimum coverage?

Even though you may be driving less, it’s still important to keep your insurance. Lapses in coverage could raise your price when you buy insurance in the future, even if you switch to another company.

What if I can’t pay my bill?

We understand that many of our customers are experiencing financial hardship at this time. Many state insurance departments are implementing new policies around payment grace periods and extensions. This may mean that different options are available to different customers, depending on the state you live in.

Payment options by state  *If your state isn’t listed yet, use the link above to check for daily updates

To request a payment extension, please email covidhelp@joinroot.com and include: 

  • Your name and date of birth

  • Your account number

  • The name of your employer

  • Your last day worked

  • The type of unemployment you are experiencing (furlough, layoff, self-employed)

  • Any other details of your COVID-related hardship that are not employment related

If you still need to cancel your policy, you can make changes in the app. When you’re ready to come back, the app makes it easy. Here’s what you need to know:

  • If it’s been less than 30 days since you canceled, you’ll be able to reinstate your policy in just a few taps and avoid a lapse in coverage.

  • If it’s been more than 30 days, you’ll see a new quote available. Please note, your new quote could be higher than what you were previously paying.

 If you don’t see an option in the app, please contact us to see if we can provide you with a new quote.

Are you going to refund premiums to customers?

Root has always been committed to pricing insurance based on actual driving behavior. We understand how much less some of our customers are driving. And we want to support them based on their individual driving behaviors that have helped limit the spread of COVID-19, as well as limit the risks of an accident for themselves and others on the road. For those customers, they can earn the Stay Home Driving Bonus.

Reduce your driving by 20% in April and May and you could save up to 10% each month. Make sure your app permissions are turned on, including location and motion permissions. You can check your permissions in the app by tapping Stay Home Driving Bonus.

Learn more about the Stay Home Driving Bonus here: joinroot.com/stay-home-driving-bonus.

*The Stay Home Driving Bonus is not available in California.

What if I need to file a claim?

You can file a claim in the Root app at any time. It takes about 3 minutes.

Where do I go if I still have questions?

Here are our most frequently asked questions.

How can I speak with a customer support representative?

We’re available to connect with you personally to review your options. The fastest way to reach us is via email at covidhelp@joinroot.com.

If you are writing about COVID-related hardship, please include:

  • Your name and date of birth

  • Your account number

  • The name of your employer

  • Your last day worked

  • The type of unemployment you are experiencing (furlough, layoff, self-employed)

  • Any other details of your COVID-related hardship that are not employment related

We will get back to you as quickly as we can.

Looking ahead

We greatly appreciate all of our customers and are working diligently to continue to serve you. We will continue to update this page regularly, as new information becomes available.

*Last updated on April 21, 2020.

Car insurance FAQCar insurance coverageRenters insuranceHomeowners insuranceClaimsTest driveReferralsAffiliatesContact

Root Inc.

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.