Root Car Insurance
from day one

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.

Here’s how it works for drivers who are insured from day one

  • Day 1

    If you’re offered insurance from day one, pick your plan and we’ll insure you at a great rate that could last up to 60 days. Then take the test drive to determine your final rate.

  • 30 days to drive

    The test drive takes up to 30 days. Our app will measure things like braking, turns, and focused driving.

  • 30 days to decide

    Once we’ve measured your driving, your test drive ends. We’ll give you a new rate and 30 days to decide, or—if we can't continue to insure you—we'll let you know as soon as we can so that you can find coverage with someone else.

About Root

  1. What is Root?

    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.

  2. How does Root work?

    You’ll choose and buy your plan—it starts with a great rate that could last up to 60 days. Then you’ll begin the test drive. The Root app monitors your driving (think braking, turns, focused driving, and how much you drive) and uses that information to calculate your final rate.

    Why 60 days? If you’re a good driver, you’ll receive your final rate 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.

    Unfortunately, Root doesn’t work for everyone. If we can’t continue to insure you, we’ll let you know as soon as possible based on your state’s laws. That way, you can find coverage with 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.

    Get a quote
  3. What is different about Root’s Insurance from Day One?

    If you’re offered insurance from day one, 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. Unfortunately, Root doesn’t work for everyone. If we can’t continue to insure you, we’ll let you know as soon as possible based on your state’s laws. This could be during the test drive or your final 30 days. That way, you can find coverage with another carrier.

  4. How do I get Root’s Insurance from Day One, before taking the test drive?

    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. Either way, you’ll take the test drive. The better you drive, the better your rate!

  5. You don’t have agents?

    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 8 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.

  6. How will I know I’ll save money with Root? How much can I really save?

    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!

  7. What if I move to another state?

    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.

  8. What if Root is available in my state but I have an out-of-state license?

    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.

  9. Which phones does Root support?

    Root is available for iPhones (5s and above) and most Android phones. Check the Google Play Store to see if we support your Android phone.

  10. Is my rate based completely on my driving ability?

    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.

    Learn more about how Root prices insurance.

  11. Why don’t you insure everyone?

    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.

Test Drive

  1. What is the test drive?

    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:

    1. Purchase your policy at a great price that could last up to 60 days.
    2. Drive as you normally do—just keep your phone with you when you do. We’ll use driving data from your phone during the test drive to determine your good driving habits.
    3. If you qualify, you’ll get a great final rate based on your good driving.
    4. If we can’t continue to insure you, we’ll let you know as soon as possible based on your state’s laws.

    Test drive screen on the Root app

  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 rate. You basically just need to follow the rules of the road and be mindful of other drivers when you’re behind the wheel.

  3. Okay, I’m ready to do the test drive. How do I start?

    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
  4. Does the Root app need to be open for trip tracking to work?

    Nope. You actually give it permissions to run in the background on your phone when you sign up.

    App permissions

  5. Can I just keep my insurance at the 60 day rate and not take the test drive?

    Nope, you have to take the test drive.

  6. Do I need to leave GPS on during 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.")

  7. How do you know that I’m the driver and not the passenger?

    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.

  8. I paid for the full six months at the 60 day rate but then received a lower final rate. Will I get a refund?

    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.

  9. Will my rate ever change from my final rate?

    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.

  10. Can I add other people to my policy?

    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:

    1. When you create your profile, you will have the option to add more drivers.
    2. Add the drivers’ information (scan their license or add manually) and tap Continue.
    3. You will be taken to the invite screen. Tap Invite next to each new driver’s name.
    4. The other drivers will receive a text message with a link to download the Root app (they have to use this link to be included on your policy).
    5. Each driver will create an account (attached to yours) with their own email address, and will start their 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).

    Invite drivers

  11. I got a high score on the test drive but wasn’t offered a rate. What gives?

    We appreciate everyone who gives us a shot. Unfortunately, our models don’t work for everyone. Driving is the number one factor we consider when we determine if Root is the right fit for someone, but there are also other predictive factors we have to consider. Unfortunately, that means we still may not be able to offer you a final rate, even if you received a high test drive score. If you paid for a six month policy, we’ll refund you the difference for the remainder of the policy.

  12. I took the test drive and didn’t get a final rate. Can I try again?

    Not at this time, sorry!

  13. Will you sell my data to other companies?

    Never. We care about your privacy. Learn more about our commitment to protecting your data.

  14. I drive for a living. Will that affect my test drive?

    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

  15. Won’t the test drive drain my phone battery?

    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.

  16. What does it mean when my Android phone says it’s “crunching numbers”?

    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.

  17. What is the driver scorecard?

    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.

    Driver score card

  18. Why isn’t my scorecard showing me a score?

    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.

    Driver score card needs more data

  19. What do you mean by “consistency” on the scorecard?

    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.

    Driver score card consistency

  20. Why does my consistency score change when I’m not driving?

    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.

  21. I can’t avoid driving late at night. Will this affect my score?

    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.

  22. Help—my test drive has gotten stuck on the last couple of days!

    If this happens, make sure your location services are on. If they are, follow these steps:

    1. Delete the app.
    2. Restart your phone.
    3. Download the Root app again and the test drive will pick up where you left off.

    If you still have problems after 24 hours, contact customer support.


  1. How do I pay for my policy?

    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.

  2. How does payment work?

    If you choose monthly:

    • We will process your first payment on the date you purchase the policy, even if your insurance will start at a later date.
    • We will automatically process your second payment 30 days after your policy start date, using the payment method in your profile.
    • We will continue to automatically withdraw your payment each month, using the payment method in your profile.

    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.

  3. Can I change my payment date?

    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.)

    1. Tap on Policy & Payments.
    2. Select Payments.
    3. Select Next payment date and make your adjustment.

  4. I’m not ready to start my policy yet. Can I choose a later start date?

    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.

  5. How do renewals work?

    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.

  6. What if I already have an insurance policy?

    We can request cancellation of your old insurance policy for you. You can choose that option in the app. Easy! It may take up to 2 weeks for your old carrier to process the cancellation, but it will be retroactive to the day you started your Root policy. Here are some tips on switching to Root.

  7. Where is my insurance card?

    You can access it anytime in the app! We’ll also mail you a physical copy.

  8. Will my policy change after I receive my final rate?

    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.

  9. What if I want to make changes to my policy?

    You can make changes to your policy right in the app. It’s easy:

    1. Open the app.
    2. Tap Policy & Payments on the bottom of the home screen.
    3. Tap Policy, then Profile information to make edits for drivers, vehicles, or address. Or select Coverages to make changes to your coverage.

    You’ll know if your policy changes affect your rate before you commit. Learn more.

  10. When do the changes to my policy go into effect?

    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.

  11. If I make a change to my policy, will it affect my rate?

    Maybe! But you’ll know how it will affect your rate before you commit.

  12. Why did my rate change/increase after my final rate?

    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:

    1. Changes on your end (you moved, added or removed vehicles or drivers, or your driving record changed).
    2. Changes around you (serious weather changes, amount of accidents around you goes up or down, cars around you get more or less expensive to repair).
    3. Changes on our end (statewide mandatory rate change, risk actuarial changes).

    Learn more about why insurance rates change here.

  13. Do I need to let my lien holder (loan/lease company) know that I’ve switched insurance companies?

    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:

    1. Tap Policy & Payments on the bottom of the home screen.
    2. Select Policy and then tap Vehicle loans and leases.
    3. Add loan/lease company.
    4. Enter the lien holder's name and address.
    5. Choose the vehicle with the lien.
    6. Choose if the vehicle is leased.
    7. Submit.

    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.

  14. How do I reinstate my policy?

    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 may still be able to reinstate.

    Here’s what you do:

    1. Open the app.
    2. Underneath the inactive insurance card are instructions to Tap here to reinstate your policy.
    3. Answer a few questions (we’ll want to know if anyone on your policy was in an accident since you canceled).
    4. Purchase. You will be charged for the days between cancellation and reinstatement. Your bill for the next month will come on the date it usually did.

    If it is too late to reinstate, the option will not be available in the app. Please reach out our Customer Service team if you have any questions.

    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.

  15. If my car is totaled in an accident, will you remove it from my policy?

    We are not able to make changes to your policy for you, but removing a vehicle from your policy is quick and easy.

    1. Open the app.
    2. Tap on Policy & Payments.
    3. Select Policy, and then Profile information.
    4. Select the vehicle you wish to remove and then tap the trash can icon in the upper right corner.
    5. Delete to confirm.

  16. Who is the primary named insured (PNI) on an insurance policy?

    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.


  1. Do you cover motorcycles, ATVs, exotic, or commercial vehicles?

    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.

  2. Do you cover vehicles with rebuilt or salvage titles?

    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).

  3. What is a limit?

    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.

  4. What is a deductible?

    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.

  5. Do you offer "full coverage"?

    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 Coverages
    Get the overview
  6. Do you offer gap coverage?

    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.

  7. Do you offer an SR-22?

    You can request your SR-22 form directly in the app by tapping on Policy & Payments, then Auto Policy, then Document Requests, and then SR-22. The app will guide you through the rest. It’s easy to do.

  8. Do you insure teenagers?

    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 $$$.

  9. What will my policy cover?

    At a minimum, your policy will cover Liability Insurance (required by law), Roadside Assistance (included with every policy), and any coverages required by your state.

    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.

  10. How much coverage do I 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:

    Choosing Liability, Bodily Injury & Property Damage coverage

    Choosing Collision & Comprehensive coverage

    Choosing MedPay, PIP & UM/UIM coverage

    Choosing Rental & Roadside Assistance coverage

  11. Does my policy cover me when I’m driving a rental car?

    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.

  12. Do you cover windshield repair/glass damage?

    If you have comprehensive coverage, yes! We cover any repairs to your windshield. If you need to replace the windshield, we may first apply your deductible.

    Comprehensive Comprehensive
    View details
  13. What if I have questions about changes to my coverage?

    You can review information about all of our coverages here. If you still haven’t found the answer you’re looking for, contact customer support and we’d be happy to help!

  14. Do you offer Roadside Assistance?

    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 is purchased separately in California.

    Roadside Assistance Roadside Assistance
    View details
  15. How does Roadside Assistance work?

    We make it easy. Here’s what to do:

    1. At the bottom of your home screen in the app, scroll left and tap File a Claim.
    2. Choose Roadside Assistance to be connected directly to Swoop, our preferred Roadside Assistance service provider.
    3. Any service under $100 is covered, up to three incidents per vehicle, per 6-month policy term.
    4. If you owe anything for a service, you can pay through the app.

    If you choose to use another Roadside Assistance provider, email all receipts to for reimbursement.

  16. What does it mean to be in a no-fault state?

    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.

  17. If I get into an accident, will I be deemed a bad driver and lose 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.

  18. If someone else drives my car and they get into an accident will my vehicle still be covered under my Root policy? (Or, if I drive someone else’s car, will my Root policy still cover me?)

    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.


  1. You have a referral program?

    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.

    Referral program

  2. How does the referral program work?

    1. Refer us to your friends using your personalized referral link (it’s in the app)
    2. Once a friend signs up, we’ll keep you updated on their progress.
    3. If they take the test drive and qualify for a quote, you get paid and they get paid. That’s what we call a win-win.
    4. Repeat steps 1-3. You can earn up to $1,000.

  3. How will I get paid?

    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 not currently available to all users, including those in California and North Dakota.)

  4. Is this a scam?

    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.

  5. Any catches?

    There are a few things to keep in mind when using our awesome referral program.

    1. You MUST use your personalized referral link to refer your friends. If you don’t, you won’t get paid (no exceptions). Sure, we love when you tell your friends about us over drinks. Blast how much you saved in your newsfeed. But unless a friend uses your link, we can’t pay you for the referral.
    2. You get paid when your friend takes the test drive and qualifies for a quote, whether they choose to purchase a policy or not. Unfortunately, we don’t pay for referrals when the friend does not qualify for a quote, but the more friends you refer, the more chances you’ll have to get paid!
    3. Bonuses are not available for senders and receivers who are on the same policy.
    4. The referral program is not currently available to all users, including those in California and North Dakota. (Sorry, folks! We’re doing our darn best to get you that moola soon.)

  6. How much money do I get for a referral?

    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.

  7. Do I have to have an insurance policy with Root to refer someone?

    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.

  8. How many people can I refer?

    As many as you want, but keep in mind that our referral program isn’t yet available to all users, including those in California and North Dakota.

  9. How long will it take to get paid?

    It depends on how you choose to claim your bonus:

    • Gift card - we’ll send it to your email immediately
    • PayPal - up to 1 business day
    • Bank transfer - 2-4 business days
    • Visa prepaid card - 5-7 business days (sent in the mail)

    If we send you a check, you can expect it in 2-3 weeks.


  1. How do I report a claim?

    Accidents are tough. We make filing your claim easy. Here’s what to do:

    1. Tap File a claim on the bottom of the home screen in the app.
    2. Choose File a claim to report your incident anytime directly in the app. It only takes five minutes, and it allows us to get started on your claim right away.
    3. Provide as much information as possible in the app. Don’t worry if you don’t have all the details available.
    4. Optionally, add photos to your claim. (We make it easy.)
    5. A claims expert will get in touch with you to review your claim and discuss the next steps in the process.

    Or you can reach our claims experts directly during business hours by phone. To report a new claim call 866 980 9431.

  2. How will I get paid for my claim?

    We will send you a check in the mail.

  3. How fast will my claim be paid?

    Once you’ve filed your claim, your claims expert will contact you as soon as possible to provide any next steps and to update you with the process. Be sure to keep your contact information up to date in the app and to stay in touch with your claims expert throughout the claims process. This will ensure the fastest processing time.

  4. How quickly do I need to file a claim?

    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.

  5. What happens if I have a claim during my test drive?

    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.

  6. What happens if didn’t get a final quote, but I have a claim before my policy is automatically canceled?

    Not a problem. Your claim will be treated the same as any other claim until your policy is canceled.

  7. Will you pay for my rental car?

    If you purchased Rental Car coverage before the accident, yes! We offer coverage for a car rental or reimbursement for rideshares like Lyft (for short-term needs) while your car is undrivable or being repaired. A quick note on terms: Rental Car insurance covers the cost of a rental vehicle up to your limits when a covered car is in the shop after an accident as part of a claim for a covered accident or loss—it isn’t insurance coverage for vacation rentals.

    Rental coverage Rental coverage
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  8. Wait, I can use ridesharing like Lyft instead of a rental car?

    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—ridesharing may be an easier way for you to get around. And we want this to be easy.

  9. How long do I get a car rental for?

    It’s up to you! You choose your own limits when you buy Rental Car coverage.

  10. Do I have to decide between ridesharing credits or a car rental when I purchase my policy?

    Nope. You can decide at the time you use your Rental Car coverage.

  11. How do I get a tow truck after an accident?

    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.

  12. What if my car is damaged or made undrivable by a storm (hurricane/flood/tornado/hail/water damage)? How can I get around?

    Accidents and vehicle damage are tough. Filing a claim is easy in the Root app. Here’s what to do:

    1. Tap File a claim on the bottom of the home screen in the app.
    2. Choose File a claim to report your incident directly in the app. It only takes five minutes, and it allows us to get started on your claim right away.
    3. Provide as much information as possible in the app. Don’t worry if you don’t have all the details available.
    4. Optionally, add photos to your claim. (We make it easy.)
    5. A claims expert will get in touch with you to review your claim and discuss the next steps in the process.

    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.

  1. I need more help — is there someone I can speak with?

    Sure. You can reach our Customer Service team by email at

  2. Member of the press?

    Visit our press page.

Root Insurance Company reserves the right to cancel this policy at any time in accordance with our underwriting guidelines. In the event this occurs, you will be notified of the cancellation as required by your state laws and regulations.

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