score61Root Insurance Auto Insurance Review: Quotes and Service (2023)
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score611/5
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 5.05 for 2022, meaning they received more complaints than the national median.
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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.
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The cost of car insurance is highly personalized and varies from driver to driver. Auto insurance companies weigh several factors when considering your rate, including age, driving record, address, the type of car you drive and more. The MoneyGeek calculator estimates how much you could pay for car insurance, without entering your personal information. The estimator can help you decide if it's time to switch car insurance companies or find a provider that fits your needs and budget.
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 FeatureDescription
- Online ClaimsYou 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 ProductDescription
- Renters InsuranceCurrently 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.
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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
sources
- National Association of Insurance Commissioners. "Root Ins Co National Complaint Index Report." Accessed May 25, 2023.
- Better Business Bureau. "Root." Accessed April 3, 2020.