Root Insurance Auto Insurance Review: Quotes and Service (2023)

Root Insurance scored 61 out of 100 on MoneyGeek’s rating system, classifying it as a below-average insurer. Root Insurance has an excellent score for customer satisfaction but gets an average score for complaints and stability, below-average for affordability, and poor for discounts. Drivers who choose Root Insurance have their costs determined via its app based on their driving habits.

score61

1/5

discounts

3.5/5

complaints

5/5

satisfaction

3.6/5

stability

2.7/5

affordability

pros

High user satisfaction rating

Policyholders can manage everything via the app and file claims online

Has an around-the-clock customer helpline

cons

No known discounts

Complaint ratio higher than other insurers

Verdict

Root Insurance has an excellent user satisfaction score. However, its average score for complaints means customers file more complaints against Root Insurance than other auto insurers.

To know more about Root Insurance and other insurers, you can read MoneyGeek’s resources on the best car insurance and the cheapest car insurance companies. To compare Root Insurance to other insurance companies, you can use MoneyGeek’s auto insurance company comparison tool.

How Does Root Insurance Rank for Customer Service?

Root Auto Insurance has not been rated by many of the notable authorities that rank car insurance companies like J.D. Power and AM Best.

Customer Complaint Ratio

Root Insurance

Each year, the National Association of Insurance Commissioners tracks the number of complaints filed against car insurance companies. The national median complaint ratio is 1.00. Root Auto Insurance received a customer complaint ratio of 2.61 for 2019, meaning they received more complaints than the national median.

Discounts Offered by Root Insurance That Can Help You Save

Many auto insurance companies offer discounts that help reduce monthly premiums. There are standard discounts that are commonly available from multiple insurers and unique discounts that you may have to choose a specific insurer to get. However, Root Insurance does not offer any discounts to speak of, unlike other auto insurers.

Compare Root Insurance Directly With Other Car Insurance Companies

You can use MoneyGeek’s resources to compare Root Insurance to other insurers in your state. With our comparison tool, you can see how Root Insurance measures up to other insurers for coverages, cost and customer service. The tool will also lead you to other resources that help when deciding what auto insurance company to choose for a policy that fits your unique needs.

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Does Root Insurance Offer Broad or Unique Coverage?

Root Insurance offers standard coverages such as liability, comprehensive and collision insurance, as any auto insurer does. One perk of Root Insurance is that every auto insurance policy includes roadside assistance, which is often an add-on coverage through auto insurance companies. If you want rental car coverage when your car is in the shop for repairs after an accident, that add-on is available through Root Insurance.

Root Insurance does not offer any specific unique coverages, though, but under its rental car coverage, you do have the option of a Lyft reimbursement instead of a vehicle, which is not typical.

What Online Auto Insurance Tools Does Root Insurance Offer?

Unlike most other car insurance companies, Root Auto Insurance offers car insurance primarily based on its customers' driving habits. It relies on smartphone technology using its mobile app to track driving habits.

Type of Feature
Description
Online Claims
You can file and track claims right in the app.

Other Root Insurance Insurance Products

As a new company, Root Auto Insurance hasn’t branched out too much in other areas, although it does have one additional insurance product:

Type of Product
Description
Renters Insurance
Currently available only in Missouri, Ohio and Utah, renters insurance covers the contents of your home and car and your personal property when you travel. It also pays expenses for you to stay elsewhere if you cannot stay in your home due to damage. In addition, if someone is injured on your property, this coverage may help pay for their medical expenses.

How to Make a Car Insurance Claim With Root Insurance

You can go online to the Root Auto Insurance website to file a claim, or open the Root app and file a claim by clicking on the “File a Claim” button. Answer the questions, submit photographs of your car’s damage and Root Auto Insurance will get in touch to complete the claim.

Contact Root Insurance Car Insurance

Methodology and Assumptions

To evaluate and review auto insurance companies, MoneyGeek carefully weighs factors such as price, financial strength, policy features, customer satisfaction, service and other leading indicators. MoneyGeek also references publicly available data from industry leaders such as J.D. Power, AM Best, the National Association of Insurance Commissioners (NAIC) and the Better Business Bureau. Learn more about MoneyGeek’s review methodology here.

About Mark Fitzpatrick

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.

sources

National Association of Insurance Commissioners. "Root Ins Co Customer Complaint Ratio Report." Accessed March 26, 2020.
Better Business Bureau. "Root." Accessed April 3, 2020.