Rates based primarily on how you drive
Traditional car insurance companies focus on demographics like age, ZIP code, occupation, and credit score to price your coverage. We don’t think that’s fair. When we offer a rate, your behavior behind the wheel gets more weight than any other single factor. We’ve never used occupation or education level in our rates.
How much does driving behavior impact your insurance rate?
With Root, how you drive matters more than any other factor.
How do we measure safe driving?
The Root app works with your smartphone sensors to gather and analyze data while you drive. Don’t worry, we never sell your personalized data. Learn more about all the ways the Root app can help you save money.
Smooth braking is the #1 thing we look for in safe drivers
We get it—stuff happens you can’t control. One or two sudden stops won't wreck your score, but if it becomes a habit, it's worth changing a few things.
Keep your hands on the wheel, not your phone
Don’t get distracted by texts on your phone or changing radio stations. Stay focused on your driving and the road ahead.
Watch your speed
High speed is one of the leading causes of fatal car accidents. Go easy on the gas pedal to reduce your risk and save at the pump.
Avoid driving late at night
There are times when it’s simply more dangerous to be on the road. Whenever possible, limit super late night trips—especially on the weekends.
How the test drive works
Your safe driving could save you up to $900/year.
Get the app
Download the app and follow our easy prompts to get started.
Drive for a few weeks
Show off your safe driving and check your progress in the app.
Save based on your driving
After a few weeks, we'll give you a quote based primarily on your safe driving.
Still have questions?
What if I’m a bad driver?
Root isn’t the right fit for everyone. Our models don’t work with every situation, so we may not offer you a quote after the test drive. That just means you could save more with another carrier, and we don’t want to stand in the way of your saving money.
Does the Root app need to be open for trip tracking to work?
The Root app does not need to be open. You actually give it permissions to run in the background on your phone when you set up the test drive.
I drive for a living. Will that affect my test drive?
Currently, every trip you take during the test drive will count toward your quote, 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.
But, 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 firstname.lastname@example.org).
Won’t the test drive drain my 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.