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Moving forward with Washington

Root has always offered rates based primarily on how safe you are behind the wheel. The better you drive, the more you could save—regardless of your credit score. 

Ready for fair rates? Get started on a quote, we’ll be in Washington soon.

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An orange outline of the state of Washington which has just banned credit scoring from insurance rate pricing.
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Understanding the credit scoring ban in Washington

In addition to demographic factors like age, ZIP code, and occupation, traditional car insurance companies rely heavily on a driver’s credit score to price their coverage. The lower your credit score, the more likely you are to have higher insurance rates and vice versa. 

Washington is joining a growing movement calling to ban insurance companies from using credit scores to price insurance. Not only is it not an indicator of risk on the road, this practice ends up penalizing people in low income communities and those who have encountered financial hardship like medical expenses or job loss.

What could it mean for you?

The Washington ban on credit score in insurance pricing will impact drivers’ rates differently. Here’s how the ban could change your insurance rate according to your credit score. 

With traditional insurance companies

  • Drivers with higher credit scores could see an increase in their rates of up to 40%.

  • Drivers with lower credit scores could see an improvement in their rates.

With Root car insurance

  • Regardless of credit score, the safer you drive the more you could save—up to $900 a year. 

  • Our highly rated app uses telematics to measure your safety behind the wheel, so we can always offer rates based primarily on how you drive.

How Root works

It’s easy to get a fair rate with Root. You can get started on your quote right now, take the test drive, and be ready to purchase your policy when Root arrives in Washington later this summer.


It’s car insurance, but better. No paperwork, no hassle. Get started in less than a minute.

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We use your smartphone to measure your driving behavior. Better driving = more savings.

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Choose a recommended plan or create your own. Then pay for your personalized policy—all in the app.

Root’s commitment to fairness

Root was founded on the belief that insurance can be made more fair by offering rates based primarily on how you drive and not demographics or credit score. We’ve committed to drop credit score from our pricing formula in all states by 2025.

Ready for fair car insurance rates, regardless of your credit score?

Get started on your quote and be ready for when we launch in Washington. 

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Columbus, OH 43215

Copyright ROOT 2024. ROOT is a registered servicemark of Root Insurance Company, Columbus, OH. Disclaimer for quotes: We reserve the right to refuse to quote any individual a premium rate for the insurance advertised herein. Disclaimer for coverage: Coverage is available in the event of a covered loss. Exclusions may apply. Not available in all states. Disclaimer for savings: Based on savings reported by actual customers who purchased a new Root policy between October 2019 - July 2020; changes in coverage levels not evaluated. For California residents: Telematics is not used and resulting represented savings are not applicable. Referral program not applicable. Roadside Assistance purchased as separate coverage. Visit for more information. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.