At Root, your auto insurance rate is based primarily on your driving ability. For qualifying Root users, we’ll insure you at a great price from day one while you drive to determine your final rate for the policy term. The better you drive, the better your rate.
It’s the same easy 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 great 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 that 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 and buy your plan—it starts with a great price that lasts for 60 days. Then you’ll begin the test drive. The Root app measures 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 rate after 30 days—the better driver you are, the better your final rate will be. 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. We can even request cancellation of 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 and buy your policy. This means you’re covered by Root while you drive to determine your final rate.
We’re expanding across the nation quickly and creating different insurance models to fit the needs and laws of each state. Depending on the state you live in, and after downloading the Root app and answering a few questions, you may have the option to have Root Insurance immediately. Right now, the only way to get insurance immediately is if it’s offered to you in the app. Either way, you’ll take the test drive. The better you drive, the better your 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.
Everything you need is in the app. Plus, our customer support team is available to answer emails 7 days a week from 8:30 a.m. to 11 p.m. ET. (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. ET to speak with someone on our team directly. Claims are available to be filed 24/7 in the app, or you can reach our claims experts directly during business hours by phone. To report a new claim that’s only for glass damage, call 1 866 903 7243. For all other new claims, call 1 866 903 8451.
You won’t know until you do the test drive—it primarily 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.
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.
Driving ability is the single largest factor we consider when deciding your quote.
We do take into account several standard factors that 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 nearly 45% of all accident costs! 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 rate. 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 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 rate!
(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 rate. 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. And don’t worry, it takes a little time for your Driver Scorecard to update. By only using data from when you’re driving, we are able to determine your quote based on your driving habits alone.
Yes! 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.
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, you can add other people to your policy as long as they live at the same address. (We encourage it!)
Here’s how you invite them to the test drive:
Did you forget to add someone when you created your profile? No worries! You can invite drivers to the test drive at any point before your final quote (after 30 days). Simply open the app, tap Edit your info on the bottom of the home screen, select Add driver, and follow the steps above.
That’s it! After your policy is in full effect, you can always add more drivers (but they won’t take the test drive, and of course their addition will increase your premium).
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. Learn more about our commitment to protecting your data.
Currently, every trip you take during the test drive will count toward your final rate, regardless of why you’re driving. For people who drive for work, like EMTs, 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.
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.
Right in the app. We accept credit cards and Apple Pay, and you can choose to pay monthly or every 6 months. You can change your payment frequency, but it will not go into effect until your 6 month renewal.
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 payment date for the first 60 days of your policy. However, after the first 60 days, and if you’re paying monthly, you can change your payment date to be up to 5 days before your current payment date or up to 5 days after.
You can only change the payment date for the current month, but the next month you can change it again if you need to. (So if you change your payment 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.
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.
Immediately, unless you choose a specific date for your changes to go into effect. If you’re changing your payment frequency (from monthly to full term or vice versa), changes will go into effect at your policy renewal.
Maybe! But you’ll know how it will affect your rate before you commit.
Your final rate only applies to your initial six month policy. Your rate may change at renewal. At Root, we are committed to fairness. We will always give our good drivers the lowest rates we can sustainably offer. That said, risk is always changing and insurance rates can fluctuate for a variety of good reasons.
Here are a few:
Learn more about why insurance rates change here.
Nope—we’ll take care of that for you. If you have a loan/lease company, you do need to add them to your policy. Here’s what to do:
Once you’ve filled out this information in the Root app, we’ll contact your loan/lease company for you. They’ll receive all of the information they need within one week.
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 payment 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.
If you’re trying to cancel your old insurance policy in the app, you must be listed as the PNI for your old policy. This means you’re listed as the main account holder with editing/canceling privileges. If you are the PNI, we’ll be able to easily end your old policy on your behalf, with your e-signature.
We don’t cover these vehicles at this time. We’re working on excelling in 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 cover cars with rebuilt or salvage titles as long as you are able to provide us with a VIN for the vehicle (and as long as the vehicle satisfies our other criteria for coverage).
A limit is the highest amount Root will cover if you’re in an accident that’s your fault. Pay a little more per month for a higher limit and know you’re covered in case of a major accident. Pay less per month for a lower limit, but risk paying out-of-pocket later if an accident costs more than your limit.
A deductible is the amount you pay toward repairs (or maybe a replacement car) before Root pays for the rest. The lower your deductible, the higher your rate. That’s because you would pay a lower amount toward the repairs of your vehicle, and we would pick up the rest. For example, your deductible could be as little as $100.
And of course, the opposite is true. You could choose a higher deductible—say, $1,000—and pay less for your insurance. But if you ever need to use your Collision or Comprehensive coverages, you'd have to pay this higher amount first before your insurance kicks in and covers the rest of the costs.
Deductibles are per incident. It's not like health insurance where once you pay your deductible for the year, insurance covers the rest. If you need to use your Comprehensive coverage three times in a year, you would have to pay your deductible each time.
Yes. There’s actually no such thing in the industry. But the term usually refers to Liability (Bodily Injury & Property Damage), Collision, and Comprehensive coverages. And yes, Root offers all of these coverages., You can see all of the coverages we offer here. Check out Car insurance in everyday English to better understand what these coverages mean.Coverages
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.
There are many factors to consider when choosing insurance coverage, but we make sure you meet any state minimum requirements. You can learn more about our coverages, and use the app to see personalized recommendations, options, and costs.
You can also read our 5 tips for first-time car insurance buyers or the 4-part series on How to choose car insurance coverage, in everyday English:
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 not only offer it, we include it with every Root policy. Need a jump-start or a tow? Roadside Assistance comes with every Root policy. Simply make a request through the app. Any service under $100 is covered, up to three incidents per vehicle, per 6-month policy term.Roadside Assistance
We make it easy. Here’s what to do:
If you choose to use another Roadside Assistance provider, email all receipts to [email protected] for reimbursement.
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.
We understand that life happens, and we’re committed to being there to make things easier for our customers when it does. We also understand that one accident is rarely an indicator of driving ability. That said, it wouldn’t be fair or responsible of us to ignore a pattern of accidents, and we reserve the right to cancel coverage in certain circumstances.
Yes, if you give permission to someone else to drive your car, and they get into an accident, your vehicle will still be covered by your Root policy. However, if someone in your household is regularly driving your car, they should be listed on your policy.
Your Root policy also covers you if you drive another car, but if the vehicle is insured separately on another policy, damages would be covered by that policy.
We do! We have found that good drivers know other good drivers. If our customers refer their friends, they can help us grow our community of good drivers. The referral program is our way of saying thanks. Sure, we could spend our marketing dollars on flashy commercials and celebrity endorsements, but we’d rather see that money in your hands.
You’ll be able to claim your bonus right in the app. You can do a bank account transfer, get a Visa prepaid card, use PayPal, or choose a gift card to any of the provided vendors.
(Due to some restrictions, some people may not be able to claim their bonus in the app. Don’t worry we’ll send you a check in the mail. The referral program is also not currently available to all users, including those in North Dakota.)
No. It’s our sincere way of thanking our customers for spreading the word about Root and helping us build a community of good drivers.
There are a few things to keep in mind when using our awesome referral program.
It depends on your state, but it ranges from $10 to $100. Check to see how much you can get per referral by tapping Refer others at the bottom of your home screen in the app and then tapping $ in the top right corner.
Nope! If Root isn’t the right choice for you, you can still refer the friends who you think would be a good fit. Just download the app, create a profile, and tap Refer others on the bottom of the home screen.
As many as you want, but keep in mind that our referral program isn’t yet available to all users, including those in North Dakota.
It depends on how you choose to claim your bonus:
If we send you a check, you can expect it in 2-3 weeks.
Accidents are tough. We make filing your claim easy. Here’s what to do:
We will send you a check in the mail.
We will complete your claim as soon as possible. Recently, we brought our claims team in-house. So things are taking a bit longer than we’d like. We’re working hard to make the Root member experience as smooth as possible. Be sure 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 File a claim 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.
Accidents and vehicle damage are tough. Filing a claim is easy in the Root app. Here’s what to do:
If you carry Comprehensive and Rental coverage on your policy and you’ve filed a covered claim (like storm/flood damage or a broken windshield), Root will help you to set up a rental car while your vehicle is being repaired. Alternatively, you can choose Lyft credits to help you get around. Learn more about coverage options here.