Auto Insurance Review: Root Car

Using smartphone technology to track your driving habits, Root Auto Insurance is for drivers with a good driving history. If you have a poor driving history, this is not the company for you. Initial car insurance quotes can be quite affordable, but, based on customer complaints, renewal rates can increase substantially.

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iconribbonScore73

3.5/5

complaints

5/5

satisfaction

1/5

discounts


pros

This is an iconNo paperwork required to get started
This is an iconManage your policy in the mobile app
This is an iconRoadside Assistance included in every policy

cons

This is an iconMust have a newer-model smartphone to use the app
This is an iconNot good for those with poor driving history
This is an iconComplaints of high renewal rates

Foregoing traditional car insurance coverage methods, Root Auto Insurance relies on smartphone technology to examine their customers’ driving behavior to provide them with more affordable rates. Initially, this could be great for drivers looking for cheap car insurance. However, based on customer complaints, those affordable rates jump up dramatically when it’s time to renew their policy.

How Does Root Car Auto Insurance Rate?

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 Car

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. Root Auto Insurance received a customer complaint ratio of 2.61 for 2019, meaning they received more complaints than the national median.

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Root Car Insurance Features

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.

Root Car Auto Coverage

Root Auto Insurance includes a full range of car insurance coverage options so customers can choose exactly what they want in their policy:

  • Type of Coverage
    Description
  • Collision
    This coverage pays for damage to your vehicle when you are at fault.
  • Personal Injury Protection
    This coverage is for medical expenses plus lost wages for you and your family members regardless of who is found to be at fault.
  • Uninsured
    Uninsured motorist property damage: When someone damages your property, this coverage will pay to repair it. Uninsured/Underinsured motorist bodily injury: In the event you are injured and the other driver does not have insurance or sufficient insurance, this coverage pays for your medical expenses.
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Optional Insurance Features and Coverage

Root Auto Insurance does not include much beyond the most common coverage options. They do include a rental car coverage option though. If your car is in the shop for repairs, that specific coverage option will pay for a rental car.

  • Type of Option
    Description
  • Roadside Assistance
    Included in every policy, this coverage helps you when you need a tow truck, lock your keys in the car, have a flat tire or other car trouble.
  • Medical Payments
    As the name implies, this coverage helps pay for your or your family members’ injuries regardless of who is found at fault in the accident.

Other Root Car 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 Car

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 Car 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 and the National Association of Insurance Commissioners (NAIC) and the Better Business Bureau. Learn more about MoneyGeek’s review methodology here.

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