Root Car Insurance offers a transparent pricing structure that’s geared toward rewarding safe drivers. With premiums as low as $743 for six months, many users report saving up to $900 per year. Customers who have a good driving record benefit the most from Root’s approach, which relies heavily on app data gathered during a test drive period.

Discounts are primarily achieved by showing safe driving habits. Additionally, all policy features—such as roadside assistance and claim filing—can be handled through the Root mobile app. Policyholders can manage their account on the go, making it convenient for those with busy lifestyles.

How to Purchase Root Car Insurance

1. Download the Root app on your smartphone.
2. Register and take the “test drive” to let the app monitor your driving behavior for a few weeks.
3. Receive a personalized insurance quote based on your performance.
4. Select your coverage options and complete your purchase directly within the app.
5. Manage your insurance and submit claims on the app as needed.

Pros of Root Car Insurance

Root rewards responsible drivers with rates primarily determined by your individual habits, not arbitrary factors. The app-based system offers convenience and transparency.

Users value the significant savings, the ease of managing policies from their phones, and the fast claims process—often completed in just minutes.

Cons of Root Car Insurance

Root is currently unavailable in some states, limiting coverage for certain customers. Additionally, drivers who are less tech-savvy may find the app requirement challenging.

Young or inexperienced drivers might not receive the best rates if their driving habits don’t align with Root’s safe driving standards.

Our Verdict

Root Insurance stands out for safe drivers who are comfortable with technology. If you want lower rates and hands-on app management, Root is a top choice.