What Is Root Car Insurance?

Root Car Insurance is a car insurance company that offers a unique approach to insurance. Root is the first company to offer car insurance based on how you drive. Instead of basing your car insurance premiums on factors like your age, gender, and credit score, Root uses telematics to assess your driving skills and offer you a customized car insurance rate.

Root is a mobile-only car insurance company. You must download the Root app and use your smartphone to apply for car insurance. Using the app, you’ll answer a few questions about yourself and your car, and then Root will conduct a test-drive via your smartphone. During the test-drive, Root collects data about your driving behavior, such as speed, acceleration, braking, and more. The data is then used to create a personalized car insurance rate for you.

How Does Root Car Insurance Work?

Root Car Insurance works by assessing your driving behavior. If you demonstrate safe driving habits, you’ll receive a lower car insurance rate. Root also offers rewards for safe driving, such as discounts on future car insurance premiums.

Once you’ve completed the test-drive and your car insurance rate is determined, you can purchase your car insurance policy directly from Root. You can also add on additional coverage, such as liability, collision, and comprehensive coverage, to further customize your car insurance policy.

Who Is Eligible for Root Car Insurance?

Root Car Insurance is available in most states, however, eligibility requirements may vary by state. Generally, Root is available to drivers who are 21 years or older with a valid driver’s license, a clean driving record, and a vehicle that meets Root’s requirements.

Root also offers discounts for certain groups of drivers, such as students, military personnel, teachers, and more. Additionally, Root offers discounts for drivers who complete defensive driving courses, have multiple vehicles, and have multiple policies with Root.

Pros and Cons of Root Car Insurance

Root Car Insurance offers several advantages for drivers. Root’s telematics-based system allows drivers to save money on car insurance by demonstrating safe driving habits. Root also offers a variety of discounts to further reduce your car insurance costs. Additionally, Root’s mobile-only platform makes it easy to manage your car insurance policy.

Root Car Insurance has some drawbacks, however. Root is only available in certain states, and you must have a smartphone to apply for coverage. Additionally, Root’s test-drive process can be time-consuming and some drivers may find it intrusive.

Should You Get Root Car Insurance?

Root Car Insurance is a great option for drivers who want to save money on car insurance by demonstrating safe driving habits. If you live in a state where Root is available and you’re comfortable with the test-drive process, Root can be a great option for you. However, if you don’t have a smartphone or you don’t want to take the test-drive, Root may not be the best option for you.