At Root, your auto insurance rate is based primarily on your driving ability. And now, for select Root users, we’ll insure you at a discounted premium from day one while you drive to determine your final rate.
It’s the same great Root experience. Without the wait. Here’s how it works.
Download the Root car insurance app and get started in under a minute. If you’re insured from day one, pick your plan and we’ll insure you at a discounted 60 day rate while you test drive to determine your final rate.
The test drive takes 30 days. Our app will measure things like braking, turns, and smoothness.
When your test drive ends, we’ll let you know your final car insurance rate (or if we can’t continue to insure you) based on your driving. You’ll have 30 days to accept your final rate—or cancel with no questions asked.
The insurance industry is broken. We're here to fix it. To that end, Root is the first car insurance company that was founded on the relentless pursuit of fairness. We use an app to rate drivers based on how they actually drive—not just their demographics. By not insuring bad drivers, Root is able to save good drivers as much as 52% on their car insurance.
You’ll choose your plan and start with a discounted price that’s good for 60 days. Then you’ll begin the test drive. The Root app tracks your driving (think braking, turns, and how much you drive) and uses that information to calculate the rate you deserve. If you’re a good driver, you’ll receive a final quote after 30 days—the better driver you are, the better your rate will be. You then have another 30 days to accept your final rate—or cancel with no questions asked. Unfortunately Root doesn’t work for everyone, so if we can’t continue to insure you, we’ll let you know when the test drive ends and you’ll have 30 days to find another carrier.
The Root app also makes accessing and using your car insurance easy. You can find your insurance card, make changes to your policy, and file a claim in the app. You can even choose to have us cancel your old insurance policy for you.Get the app
If you’re offered insurance from day one, you don’t have to wait to complete your test drive—you’re insured right after you choose your policy. This means you’re covered by Root while you drive to determine your final rate.
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.
Nope. Everything you need is in app. Plus, our customer support team is available to answer emails 7 days a week from 8:30 a.m. to 11 p.m. EST. (We do our darn best to return all emails within 24 hours). Or, give us a call at 1 866 980 9431 Monday through Friday 9 a.m. to 5 p.m. EST to speak with someone on our team directly. Claims are available to be filed 24/7 in app or call 1 844 767 2514.
You won’t know until you do the test drive—it depends on your driving skills and habits—but many of our customers have saved 52% (or more) off their previous rate. Only one way to find out!
Policyholders can transfer states if Root is offered in the new state. Check the availability map to see if the new state is covered and contact customer support to make the change.
Driving ability is the single largest factor we consider when deciding your quote, as you can see in this colorful graph (look at all that orange!).
We do take into account several standard factors which are mathematically predictive of risk or fraud—it’s the responsible thing to do—but we’re committed to eliminating as many factors as we can as technology progresses and artificial intelligence gets smarter.
This one is simple—because 30% of drivers cause 50% of all accidents! We don’t think good drivers should have to pay for other people’s bad driving, so we don’t insure bad drivers. That means good drivers save.
The test drive is how we determine your good driving habits. We then use that information to calculate your final rate.
Here’s how it works:
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.
Download the app, sign up, and if you’re offered insurance from day one, purchase a policy at the discounted 60 day price.Get the app
Nope. You actually give it permissions to run in the background on your phone when you sign up.
Nope, you have to take the test drive.
Yes. Without GPS, we won’t be able to determine your quote!
(You enable GPS when you set up permissions after installing the app. Or, you can enable it later by updating your settings to "always allow location access.")
Have a friend with a lead foot? A NASCAR racer moonlighting as your Uber driver? Don’t worry. Those trips won’t be factored into your quote. Once you download the app, we use machine learning algorithms to identify patterns in the location and motion data we receive from your phone. These patterns are different based on whether you are driving a car or are a passenger. The patterns also change for other modes of transportation, so we can tell if you’re driving a car, riding a bike, or taking the subway. By only using the data collected from when you’re driving, we are able to determine your quote based on your driving habits alone.
Once the test drive is complete, there are four possible outcomes based on how your test drive went:
You will then have 30 days to accept your final rate. If you do not receive a final quote, you will have 30 days to find another insurance carrier before your policy ends.
We start everyone off with a hefty discount, but your final rate is based on your test drive. So, if you receive a slightly higher final rate, it just means you are a good driver, but we are unable to give you as big of a discount as you started with. Even at a higher final rate, Root is often still less expensive than other insurance companies.
Yep! If you paid in full and your final rate is less than your 60 day rate, we will send you a refund for the difference.
If you paid in full and your final rate is higher than your 60 day rate, we will withdraw the balance on day 60. (Please note: we will not do this without your permission! If you receive a higher final rate, you must accept your new rate in the app to continue with Root.)
Your final rate only applies to your initial six month policy. Your rate may change at renewal. Your rate may also be affected at any time by policy or coverage changes that you make. Learn more about why rates change here.
Yep. When you create your profile or during the test drive, you can add other people to your policy as long as they live at the same address. (We encourage it!) However, between days 30 and 60 you are not able to make any changes to your policy, including adding or removing drivers.
Not everyone is the right fit for Root, so we may not offer you a final quote after the test drive. If we can’t continue to insure you, you will have 30 days to find another insurance carrier. On day 60 (60 days after you purchased your policy), we will cancel your Root policy and you will no longer be insured by Root. If you paid for a six month policy, we’ll refund you the difference for the remainder of the policy.
Not at this time, sorry!
Never. We care about your privacy.
Currently, every trip you take during the test drive will count toward your final rate, regardless of why you’re driving. For people that drive for work, like EMT's, police officers, mail delivery personnel, and truck drivers, this means the trips you take for work will be used in addition to your personal driving to calculate your rate. Unfortunately, we don’t have a solution for this yet, but we have very smart people working very hard on it. We want everyone to get the discount they deserve.
We encourage you to take the test drive anyway! Good drivers are often surprised at how low their quote is—even with their work trips. We can also let you know if your work driving has impacted your score (just message us at [email protected]).
We do our best to make sure that our test drive is as battery friendly as possible—many customers report no change or very little change. The good news? Any short-term inconvenience can lead to big savings.
When your phone senses a change in location, you’ll sometimes get a notification to let you know we’re paying attention.
If you see this notification when you’re not driving, it’s just a false start. Your phone realizes pretty quickly that you are not actually driving, but it still may send this notification—don’t worry, the algorithms on our end will sort everything out.
Not a problem! In most cases, as long as Root is available in your state, you can still sign up or be added to a policy. We’re still working on a few states, so if you have any trouble, shoot us a note.
The driver scorecard is how you can keep tabs on how the test drive is going. When you drive, we consider these driving habits when we calculate your score: braking, turns, consistency, and safe hours.
You can see how you’re doing for each driving habit to make sure things are going well or so that you know where to make improvements. Once we’ve recorded enough trips, we’ll give you an overall number score for how you’re doing.
We show you a score at the top of the scorecard once we’ve calculated enough data from your driving. If you don’t see a score, it just means you haven’t driven enough yet for us to determine how you’re doing.
Consistency refers to how smooth your driving is. Basically we want you to go easy on the brake and gas pedal, and try to avoid a lot of sudden starts and stops. But we also get that sometimes this just can’t be helped, such as in heavy traffic. The good news is we’re able to weigh how much we consider your consistency based on where you live. And it’s just one of the factors that we use to determine your score, so, as long as you’re driving safely, everything should be fine.
Sometimes we aren’t able to upload a trip immediately as you’re driving. This may be due to poor cell service or a weak WiFi connection. So we upload that trip data at a later time, and, as a result, you may notice changes to your score even though you’re not driving.
But the most important thing is not to worry! Your final score will be based on your driving.
While we do recommend drivers avoid driving super late at night whenever possible, we understand that some folks will still have to. The good news is that when you drive is only one factor we consider in your overall score, so as long as you’re driving safely, everything should be fine.
If this happens, make sure your location services are on. If they are, follow these steps:
If you still have problems after 24 hours, contact customer support.
Please note! Your payment will be processed immediately when you purchase your policy, even if you choose to start your policy at a later date.
If you choose monthly:
If you choose full term (6 months), you will make a one-time payment when you purchase your policy, even if the policy starts at a later date. We will then automatically process your payment again at your 6 month renewal using the payment method in your profile.
That depends! You will not be able to change your billing date for the first 60 days of your policy. However, after the first 60 days you can change your billing date to be up to 5 days before your current billing date or up to 5 days after.
You can only change the billing date for the current month, but the next month you can change it again if you need to. (If you change your billing date in April, it won’t be changed for May. You’d have to go back in and change it again.)
Yep! You choose a start date before you purchase the policy. The start date just has to be within the next 60 days. But—this is super important—you pay the day you purchase the policy, even if it doesn’t start yet.
Every 6 months your policy will automatically renew. Your price may change, so we will let you know ahead of your renewal date what the new price will be. If you don’t have any policy changes or questions, you won’t have to do a thing.
We’ll cancel your old insurance policy for you. You can choose that option in the app. Easy!
Your policy remains the same until renewal unless you change it. You can make any policy changes right in the app. Your rate may go up or down based on your changes. Learn more about why rates change here. .
You can make changes to your policy right in the app. It’s as easy as:
However, you will not be able to make any changes to your policy between days 30 and 60.
Immediately, unless you choose a specific date for your changes to go into effect.
Maybe! But you’ll know how it will affect your rate before you commit.
Yep! You want to make sure they know about your new policy with Root. We help you do that right in the app. Here’s what to do:
This will create a PDF that you can send to your lien holder. To send it, there are just a few more steps.
We can also fax the document to your lien holder. After you complete steps 1-6, simply send an email to [email protected] with the fax number.
That depends on when the policy is canceled! Here’s the deal:
After day 60: If you cancel your policy or it is canceled due to nonpayment, you can reinstate it up to 30 days after the most recent billing date (and hey, we’re glad you’re back!).
Here’s what you do:
Before day 60: If you cancel your policy or it is canceled due to nonpayment, the policy cannot be reinstated.
If we cancel your policy for any other reasons, you will not be able to reinstate your policy.
We are not able to make changes to your policy for you, but removing a vehicle from your policy is quick and easy. Simply open the app, tap on Policy, and update the vehicles included on your policy.
We don’t cover these vehicles at this time. We’re working on dominating the personal vehicle industry at the moment, but you can sign up for our email list to be notified of any changes.
We do cover Uber and Lyft drivers—but only when you’re driving on your own time. Once you are “for hire” as an Uber or Lyft driver, your Root personal auto policy does not cover you. Uber and Lyft each offer their own coverages for when you are working as a driver. Please refer to their websites to learn more.
We do not offer gap coverage at this time, but we will be sure to let you know if that changes! Click here to sign up for notifications.
Yes, and they’re free!
Yep! We insure good drivers of any age. In fact, teenagers who are good drivers can get much lower rates with Root, because most traditional insurance companies rate solely based on demographics—leaving teenagers with the most expensive rates. At Root, we take into account how teenagers actually drive, so they can save some serious $$$.
Your Root Insurance quote will likely offer you the same coverages provided by your previous insurance company—from there, you can customize your quote to include any additional coverages you need.
Yes! If you’re driving a rental car anywhere in Canada, the United States, or the US territories, you’re covered by your Root policy.
Please note: we can only provide the same coverage you purchased on your own vehicle. So, if you only have liability on your covered car, you’ll only have liability on your rental, and you may want to purchase additional coverage from the rental car company if you want expenses covered for any damage you may cause to the vehicle. Otherwise, you could end up paying out of pocket.
We make it easy. Here’s what to do:
A no-fault state limits liability in an accident. Each person in the accident has their own insurance cover any injuries or lost wages they sustain (Personal Injury Protection coverage, or PIP), up to a certain amount. All no-fault states require PIP coverage.
Accidents are tough. We make filing your claim easy. Here’s what to do:
We will send you a check in the mail.
Usually 7-10 business days, which is significantly faster than the industry standard. Just be sure to keep in contact with your adjustor throughout the claims process, and to keep your contact information up to date in the app.
We highly recommend you file your claim immediately, while the details are still fresh on the brain. The more details we have of your accident, the more efficiently we’ll be able to resolve your claim.
If you have a claim during the test drive, we treat it the same as any other claim. Just tap the Claims tab within the app or give us a call and a claims expert will contact you to handle the rest.
Not a problem. Your claim will be treated the same as any other claim until your policy is canceled.
If you purchased rental coverage before the accident, yes! We offer coverage for a car rental or Lyft credits (for short-term needs) while your car is being repaired. A quick note on terms: Rental insurance covers the cost of a rental vehicle when a covered car is in the shop after an accident—it isn’t insurance coverage for vacation rentals.Rental coverage
You can! (Pretty cool, we agree.) If your car is going to be in the shop for just a few days—especially if you live in the city or have a short commute—Lyft ridesharing may be an easier way for you to get around. And we want this to be easy.
It’s up to you! You choose your own limits when you buy rental coverage.
Nope. You can decide at the time you use your rental coverage.
If you’ve been involved in a car accident and you need a tow truck to move your car, contact the police. They will help move your vehicle to a safe location once you report the accident.
Our roadside assistance will not cover a tow truck in the event of an accident. If the other party is at fault for the accident, their insurance will cover those costs. If you’re at fault, collision will cover the towing costs. If you don’t have collision, you will be responsible for the tow truck costs.