Root Car Insurance Review 2020

Last modified: November 22, 2020
  • Claims 8.5
  • Buying 8
  • Transparency 7
  • Coverage Variety 8
  • Value For Money 8
  • OVERALL RATING 7.9
  • BBB Rating A+
  • Coverages Basic coverages
  • Flexibility Policy customization possible
  • Discounts 3/65
  • Support 24/7 roadside assistance ,Phone
  • User Ratings TrustPilot 2.7 stars
  • Availability 30 states
  • Pricing Varied pricing

About the Company 

Root Insurance Company is the best for tech-savvy customers who want to get their policy-related work done through mobile apps, as numerous Root Car Insurance reviews show. It is basically a car insurance smartphone application, where customers can get tailored insurance rates based on their driving habits.

 One of the best cheap car insurance companies, Root lets you get the quote in a novel manner. If you want to get insurance coverage from the company, you will have to take a test drive where the company app tracks your driving habits for two to three weeks. 

The company will quote you for insurance coverage based on the data it gathered over the period of three weeks. The better you drive, the better the quote you will get. This telematics-based insurance has gained immense popularity within a short time span. 

In addition to being a people’s favorite company and a revolutionary in the insurance industry, the company has plenty of other features. For a more in-depth Root auto insurance review, read the article to the end.  

How We Reviewed

We analyzed the company’s websites to have a look at its features. We also looked at the requirements that insurers have to follow to get Root insurance quotes

To determine the financial strength of the company, we looked at the ratings given by credible institutions that rate companies based on their financial performance. We studied independent review sites to have a look at Root insurance rating given by customers. 

Where Is It Available?

Root insurance offers its services only in 30 states. This is perhaps the only negative aspect of the company. In the list below, we have enumerated the states that don’t come under the Root insurance areas served

  • Alabama
  • Alaska
  • Florida
  • Hawaii
  • Idaho 
  • Kansas
  • Maine
  • Massachusetts
  • Michigan
  • Minnesota   
  • New Hampshire
  • New Jersey
  • New York
  • North Carolina
  • Rhode Island
  • South Dakota
  • Vermont
  • Washington 
  • Wisconsin
  • Wyoming 

However, the company is in the process of expanding into more states and provide its services in as many areas as possible. 

Type of Insurance Coverage 

There are plenty of Root insurance coverage options that you can benefit from. Have a look: 

Liability Coverage: Under this coverage option, the company will financially cover you to pay the car repair expenses or medical expenses of the other person. This type of insurance also includes property damage coverage and bodily injury. 

Roadside Assistance: For unexpected breakdowns or car trouble, you’d want to reach out to a credible company. With this company, you can get Root roadside assistance easily if you’re stranded anywhere. 

Root Full Auto Insurance Coverage: A fascinating feature of this insurance company is its full auto insurance. If something happens to your car, you don’t have to worry about the emergency expense of repairing it. The company will help you pay for either replacing or repairing the car. 

This coverage comes with standard projections, including uninsured or underinsured motorist property damage, rental car insurance, and comprehensive and collision coverage.

Medical Coverage: In case of a collision, if you or any of the other passengers is injured, the medical coverage provided by the company will help you cover the cost of medical bills. This coverage covers medical payments, bodily injury coverage, uninsured/underinsured motorist bodily injury coverage, and personal injury protection. 

Lyft on Us: This Root auto insurance option is a good program for drivers who would want to take a break from driving on holidays. Under this feature, customers of Root Insurance Company will get free Lyft rides on holidays like Independence Day, New Year’s Eve, and St. Patrick’s Day. This feature, however, is not available in North Dakota. 

SR-22 Availability: Root features another great service for customers. Root insurance provides you with an SR-22 form. It is a certificate that you file with your state that proves coverage. This is easily done through the mobile app. 

Comprehensive Coverage: This type of coverage will financially cover the cost of repairs incurred if your car is damaged for any reason other than a collision. 

Root Pricing 

The company claims that Root car insurance rates are some of the most cost-effective in the United States. This Root pricing review will give you a better idea of the possible expenses. 

A possible Root insurance quote may vary from person to person  since it is dependent on individual driving habits. The table below will provide the average Root insurance cost

Root Car Insurance Quote
Price $290 for six months
Collision deductible $500
Comprehensive deductible $1,000
Bodily injury liability limit $100,000 per person, $300,000 per accident
Property damage liability limit $100,000 per accident
PIP Limit $10,000 per person
UI/UIM medical limit $30,000 per person, $60,000 per accident
Uninsured motorist property damage limit $50,000 per accident
Rental Car Limit $50 per day, $1,500 per accident

Insurance Offers and Discounts 

You may not find many options for Root auto insurance discounts. The main reason for this scant number of discount offers is that the company already provides the cheapest auto quotes possible. 

Some of the additional discounts that it offers are listed below: 

  • A discount for Tesla drivers who use automated steering or Autosteer 
  • A discount of up to 10% for drivers who don’t use their phones on the road 

Customer Satisfaction and Financial Strength

Root car insurance customer reviews are very mixed. Since Root insurance operations are heavily based on a mobile app, it doesn’t have an impressive customer care service. Customers find it difficult to get to representatives in case of any emergency or need of  roadside assistance

Root Insurance Financial Strength Ratings reveal assorted customer opinions.  Since the company is young, customers have some doubts about its ability to pay the claims. Even though it hasn’t received any rating from S&P and AM Best, Root Car Insurance has a good BBB rating. It is assumed that this rating will definitely help the company get a better financial rating from the other two giants. 

Platform Rating
TrustPilot 2.7 stars
The Zebra 3 stars
BBB A+

 

Customer Support 

Root car insurance has great insurance policies and discount offers for drivers with safe driving habits. It also has low price rates, giving it an edge over its competitors. But at the same time the company has the worst customer care. This is the reason why it receives a large number of customer complaints. 

Ease of Buying and Claims Handling 

Buying a policy through the company is easy. The Root quote process literally involves the use of a mobile app for two to three weeks when driving. This will let the company  have a better understanding of your driving habits and to send you a quote accordingly.

Filing a claim with Root Insurance Company is quite simple and straightforward. You can easily do so through the app. You can also submit the photos to let the company knows the extent of the damage you are suffering from. Since the company encourages customers to get all the work done through the app, its customer service representatives are not available round the clock. 

All the Root car insurance claims reviews suggest that the impressive feature of the company is that it takes around seven to 10 business days to pay the claim. This is a great feature as  claims methods of many other companies are more complicated and take weeks to process claims. 

Comparison With Competitors 

Here is a brief comparison of the company with its competitors. 

State Farm 

In a comparison between State Farm vs Root, State Farm has the following advantage. The company is best for high-risk and bad drivers. Since Root car insurance gives quote to only drivers with good driving habits, State Farm can be a good option for all high-risk drivers. It also has low rates than most of its competitors. 

GEICO 

GEICO doesn’t only offer low insurance rates, but it also has plenty of insurance coverage options. This makes it a great choice among customers. In addition, the company provides many impressive discounts to its customers.  

Pros & Cons

The Pros

  • If necessary, can provide you with an SR-22 form
  • Low price rates
  • Good for Tesla owners who drive on Autosteer mode

The Cons

  • More likely to decline coverage than other companies
  • No local agents
  • Not available in all states

Final Verdict

People often ask, “Is Root a good car insurance company?” As compared to other insurance providers, Root offers a lot of advantages. It is great for tech-savvy people and lets you get a lot of things done through the app. 

It also provides low rates to people, attracting a large number of customers. Obtaining a quote from the company is also easy. You simply turn on the test drive feature on the app and allow the company to monitor your driving habits. 

The company offers cheap and personalized rates based on your individual driving habits. Overall, it is a good company that makes it easy for customers to file a claim. 

FAQs

Is Root insurance legit?

The company doesn’t have ratings of S&P and AM Best yet, however, the impressive BBB rating of A+ shows that the auto insurance company is legit and reliable.

Does Root insurance sell policies to anyone?

No. The company will track your driving habits through the app. In case the company considers you not fit for insurance because of your driving habits, it won’t insure you.

What information does the company require to send me a quote?

First, the company will ask you to download its app on your mobile device. It will then ask you to let it track your driving for a period of two or three weeks. 

Once your period is over, the company will have all the information it needs to send you a quote. Your driving plays a major role in helping the company form an opinion. As listed above, the better you drive, the better the quote.

Does Root also sell homeowners insurance?

No, the company is only selling auto insurance plans for now.

Will Root know when I’m riding as a passenger?

The company’s app uses machine learning that lets it know whether you’re driving. The same system helps it analyze whether you’re riding a bike or taking a subway. All the information on the app relates to the time when only you are on the driving seat and behind the wheels. 

Can multiple people be added to my policy?

If the people you want the policy for live at the same address as you, they can be added. However, as of now, the Test Drive requirement is only for the main policyholder. 

How do I file the claim?

Root Insurance Company is advertised as the insurance company for tech-savvy people. It has invested a lot in technology and the company’s app lets people access many features in just one click. For filing a claim, all you have to do is to file it through the app that will let you describe the type of damage your car has suffered. In case you’re not able to get through the app, you can use the company’s email and phone helpline to file the claim.