Root Auto Insurance takes a different approach than most carriers: instead of leaning heavily on demographic data and credit history, it puts your actual driving behavior at the center of your rate. If you’re a careful driver, that can mean real savings — but Root’s selectivity means not everyone will qualify.
Here’s an independent look at how Root works, what it covers, and whether it might be worth considering.
What Is Root Auto Insurance?
Most auto insurers set rates using a mix of demographic information, credit history, and your driving record. Root does use some of those factors, but its defining feature is a telematics-based test drive conducted through its mobile app.
When you apply, Root asks you to drive normally for a few weeks while its app tracks your habits. Your score from that test drive is the primary factor in your rate — not your zip code or credit score alone. Drivers who pass the test drive qualify for a policy; those Root deems high-risk may not.
How the Application Process Works
The entire Root experience runs through its mobile app:
Root's 4-step application process
- Download the app and start your quote.
- Allow the app to access your phone’s GPS to begin the tracking period.
- Drive normally for the monitoring period — typically two to four weeks, though some applicants receive a quote in as little as one to two weeks depending on how much they drive.
- Root evaluates your results and sends a confirmation with your rate.
During the test drive, the app measures:
- Speed and braking force
- Cornering / turn speed
- Ride smoothness
- Times of day you drive
Root uses machine learning to distinguish drivers from passengers, so riding along in someone else’s car should not count against your score.
You can monitor your progress in the app’s “Driver Scorecard” section and get tips to improve before the evaluation wraps up.
Coverage Options
Root offers standard auto coverage, including state-required minimums and full comprehensive/collision packages. Notably, it also includes a few less common options:
- Roadside assistance — included in all policies at no extra charge, covering up to three incidents per six-month term (capped at $100 per incident).
- Rideshare rental reimbursement — instead of reimbursing a rental car while yours is in the shop, Root reimburses rideshare rides (Lyft, Uber, etc.), giving you more flexibility.
- Lyft on Us — Root policyholders get complimentary Lyft rides on select holidays (New Year’s Eve, Independence Day, and St. Patrick’s Day). This benefit is not available in North Dakota.
- SR-22 filing — Root can file an SR-22 certificate directly through the app, which is useful if your state requires proof of coverage after certain violations.
Discounts
Root keeps its pricing lean rather than stacking promotional discounts. The two available discounts are:
- Distracted-driving discount — up to 10% off for not using your phone while driving (the app can detect this).
- Autosteer discount — for Tesla owners who regularly use the vehicle’s automated steering feature.
Things Worth Knowing
- Root’s policies are managed almost entirely through the mobile app — ID cards, policy documents, claims, roadside assistance requests, and SR-22 forms are all accessible there.
- The app has strong ratings on both the App Store and Google Play.
- Root has historically received a higher-than-average number of complaints relative to its market size, particularly in its earlier years of operation. It’s worth checking current ratings from your state’s insurance department if complaint history matters to you.
- Coverage is not available in all states, so confirm availability before starting the test drive.
Pros
- Rates are based primarily on how you actually drive, not just who you are on paper.
- Good drivers can access lower premiums because Root filters out high-risk applicants.
- Transparent scoring through the app throughout the test drive.
- Roadside assistance included at no extra cost.
- App-first experience means most policy management doesn’t require calling an agent.
- SR-22 available through the app.
Cons
- Root is selective — applicants who don’t score well on the test drive may not qualify for coverage at all.
- Geographic availability is limited; not offered in every state.
- Heavy reliance on a mobile app may not suit everyone.
- Discount options are narrow compared to traditional carriers.
Final Thoughts
Root is a compelling option if you’re a consistently safe driver and comfortable with an app-based insurance experience. The telematics model rewards careful driving habits directly, which traditional carriers only partially reflect through your driving record.
That said, Root’s selectivity and limited state availability mean it won’t be the right fit for everyone. If you’re shopping for auto insurance, it’s worth getting a Root quote alongside a few traditional carriers to see how the rates compare for your situation.
Disclaimer: This review is for educational purposes only and does not constitute personalized insurance advice. Coverage terms and availability vary by state. Always verify current details directly with Root or a licensed insurance professional.