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