Root: Better car insurance

• Free

Last verified 5 Sep 2026

4.7 73264 ratings · App Store

1. 5/5The way Car Insurance Should be!!!!

   If you don’t know Roots then PLEASE PLEASE PLEASE read and do your research. My Brother mentioned something about a digital Car Insurance back in CA. He paid his monthly premium based on how many miles he drove every month. It saves him hundreds of dollars per year. I look it up, and unfortunately that company isn’t yet register in AZ, where I live now. So yea, I was stuck paying a high premium with Geico. Do you know, your car insurance rate can go up when you moved to a different part of town? Well that happened to me. With the same Car. After few months paying super high premium, that’s When I start to look around for a better Insurance. Let me tell you, I went ahead and look up for another similar type of digital Insurance, which lead me to Roots. Story short, I went from paying $180 per month to $94 just after the 2-3 weeks of driving test using the App. According to Roots, I was an excellent driver, hey I’ll take that. Roots saves me about $1000/year with even better coverage. IT’S WORT IT!! Funny part of it all, when I called Geico agent to cancel my Insurance, they asked me, the reason and the Name of the Insurance company that will be switching to. I simply replied, because a company called Roots is offering me half of what I’m paying now, with even a better coverage. And he answered, oh really? This is the 3rd person that he spoke with about Roots in the last 2 weeks. That made me day. Well, I’m with Roots now, and probably will stay with them for a long time. Amen. :)

   Aj sin · 5 Sep 2026

2. 5/5Can’t Stop Raving

   I’ve already posted a review, but I HAD to make another one because Root is AMAZING! Auto insurance these days is a nightmare- I had one accident in 15 years of an otherwise perfect driving record. I’ve never had a ticket and my credit isn’t horrible, but for some reason, all the other insurance companies want to charge me over 200 dollars a month for insurance! Even the pay by mile insurance wants that from me. It’s absolutely insane! I used to pay under 40 dollars a month and, after turning 25, though I can’t expect the same rate with this economy, I did expect much better than what everyone wants to give me. Root gives me the best rate out of everyone! I had to change my policy because I just got a new car and, though the price isn’t ideal, compared to what everyone else is charging, it’s absolutely amazing. I had to make an actual phone call so the dealership could speak to someone and I didn’t wait on hold for long and the lady who answered- her first name is Angela but I didn’t get her last name- was so incredibly nice and super competent. I always get a fast reply when I email you guys, too. I didn’t know what to expect with an app-based insurance but it’s so nice. I don’t know what affects the rates- maybe once a certain amount of time has passed since I had my accident it’ll get better? I don’t know. What I do know is that Root is wonderful.

   ShatnerLover · 5 Sep 2026

3. 5/5Awesome!!

   Looked at Root insurance about a year ago and they were not in my state (Kentucky). This time, they were though! When first signing up, I had an issue with setting up two drivers. Customer service was very responsive and got the issue resolved. After 3 weeks, we got a quote. The rate Root offered was great! The rate with Root is saving us $320 a year over Liberty Mutual and we got higher coverages like $50,000 Personal Injury Protection and no deductible compared to $10,000 with and a deductible with Liberty Mutual. And, we no longer need to pay for AAA since roadside assistance is included! The Root app is so easy to use and we were really happy to see that if we need to make any changes to our policy, we can do so right in the app and see how it affects our rate. I can’t say enough good things about this app and company! I also sent an app suggestion to them and got a very quick and friendly response! Considering the price, benefits, and exceptional customer service, I have a feeling we will be staying with Root insurance for a very long time! Root has certainly gone above and beyond in finding ways to put their customers first and treat us like an insurance company should! I will definitely be referring other customers to Root and highly recommend them for auto insurance!

   thebulder · 5 Sep 2026

4. 3/5I wanted to like it

   I tried Root before, and I had some issues, but after speaking to their representatives, I was assured that I would no longer have issues. I initially signed up, for full coverage at $200 a month, it went up to $260, and now has increased again to $310. Throughout my entire test drive, it showed that my score was a 10 out of 10. That score immediately changed the day that they were finished with my test drive. Somehow I dropped down to a 7 out of 10. Very focused driving, very smooth breaking, and I have had one late night drive, to pick up a friend of mine at the airport. Other than that, I don’t know why I had a price increase. I read a lot of other reviews on Facebook, and social media, and people complain about the fact that their rates continue to increase. I know this is not everyone, but there’s no reason as to why a rate should increase, if there has not been any accidents or claims. It’s very difficult to get someone, or a live person on the phone. I don’t like how the system predicts if you were the driver or a passenger. I work at a car dealership, and when people take a vehicle out on a test drive, and I am with them, I cannot control how they drive the vehicle. But all I can do is try it. The system that they use is very flawed. I’ve had three increases in the last 30 days. On top of that, I also found out that after 60 days, it may increase again.

   Elev8ted09 · 5 Sep 2026

5. 1/5Wish I can leave no stars!

   I decided to try out Root due to it being hard finding a good insurance company that affordable for me. I understand with me being young and all, but that shouldn’t affect an insurance rate when I been driving for over 3 years now and haven’t been in any accidents. I thought that root would be a great fit for me, but I guess I was wrong. Root was affordable, which is an aspect I like. But they had to collect data from my phone to do a test drive and I was okay with that. All they asked for was to not tailgate, don’t break hard, and focus on driving more then being in the phone. And I did all those things. My score was in good standing, and they told me that it was going to be a 30-day test drive. Why did they deny me insurance on the 9th day? Score still says I was doing good. I contacted Root by email to ask what was going on and what I did wrong, they can’t even correctly tell me. One email says I failed to do a “telematics” test, and the other says they collect data through the app for my driving behavior? Like what? The app clearly says my score is good. So at this point, I’m not sure what to do. Due to a lot of insurance companies not insuring Hyundais or Kias due to the high theft rate. So yeah, I don’t recommend root if you don't want to be disappointed for nothing. Just a waste of time. On the bright side, you do get your money back, and on the dim side, they take away some of it because they “insured” you for a couple of days.. like okay.

   Bre'Yonna · 5 Sep 2026

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