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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—Check this link to see if your state qualifies for payment extension. If your state is listed, email covidhelp@joinroot.com. We will respond shortly.

If you still need to cancel your policy, you can make that change 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 30 days or less: So long as your last payment was on time, you may still be able to reinstate your policy with 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.

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?

Please review our Non-weather emergency page to see if your state qualifies for a COVID-related payment extension. You might also find what you’re looking for in our frequently asked questions.

If you still have questions, email us at covidhelp@joinroot.com. Or, you can reach us at 866-980-9431, Monday-Friday 9 a.m to 8 p.m.

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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 February 08, 2021.

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Root Inc.

80 E. Rich Street

Suite 500

Columbus, OH 43215

Copyright ROOT 2021. 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. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.