Your driving is the #1 factor in your rate
It’s simple — save based on how you drive. Save up to 44%* off your initial Root quote after you take the Test Drive.
Key benefits
✅ Maximum savings
✅ Pricing based on actual driving
✅ Driving score and coaching
Key benefits
✅ Instant quote today
✅ Potential for safe driving discounts
*Savings compared to Root rate without completion of test drive. These are that maximum possible savings by our best drivers, but actual savings will vary by your driving score and state of purchase.
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.
We believe good drivers should save
That’s why we gather and analyze data from your phone’s sensors while you drive. This enables us to give you a rate tailored to your safe driving habits.
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 much does driving behavior impact your insurance rate?
With Root, how you drive matters more than any other factor.
Ready for fair car insurance?
Take the Root test drive and see how much you can save by driving safely.
Key benefits
✅ Maximum savings
✅ Pricing based on actual driving
✅ Driving score and coaching
Key benefits
✅ Instant quote today
✅ Potential for safe driving discounts
*Savings compared to Root rate without completion of test drive. These are that maximum possible savings by our best drivers, but actual savings will vary by your driving score and state of purchase.
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 help@joinroot.com).
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.