Root Car Insurance Review
Root Insurance is a usage-based auto insurer that uses smartphone driving data to determine rates. It primarily serves safe drivers looking for custom-priced coverage and was one of the first U.S. insurers to go fully digital.
Company & Policy Details
Company Information
Established
2015
Underwritten by
Root Insurance Company
Market Position
Customer Service Hours
Mon-Fri: 9am–6pm, Sat-Sun: Closed
Ratings & Performance
Claims Satisfaction
Financial Strength
B
Mobile App
Policy Features
No Claims Discount Protection
Up to 3 years
Telematics Option
Available
Multi-Car Discount
Not available
New for Old Replacement
Vehicles up to 1 year old
Uninsured Driver Promise
Not included
Paperless Discount
Available
Key Benefits
- Rates based on real driving behavior via mobile app
- Discounts for safe drivers after app test drive
- Digital claims and policy management
Available Features
Customer Service
Premium Range
From
£890.00
Average
£890.00
Cover Types
- Usage-Based Comprehensive
Coverage Distribution
Comprehensive
0.0%
Third Party Fire & Theft
0.0%
Frequently Asked Questions
How does Root calculate your insurance rate?
Root uses smartphone sensors to monitor driving behavior for a few weeks before quoting your rate.
Do you need to take a test drive with Root?
Yes. A test drive is required using Root’s app before you receive a personalized quote.
Can I get insurance immediately with Root?
You must complete the test drive, but some instant coverages may be issued after.
What if I have a poor driving record?
Root prefers safe drivers and may decline coverage to high-risk applicants.
In-Depth Provider Analysis
Expert Analysis: Root Car Insurance
Root is an app-based insurer offering rates based on actual driving behavior. Users must complete a test drive via the app before receiving a personalized quote. The model is heavily focused on telematics and appeals to safe drivers looking to be rewarded for responsible habits. The company avoids using credit scores in some states, making it attractive to drivers with clean records but poor credit.
Professional Editorial Review
Root delivers a unique experience for low-risk, tech-forward drivers who want rates tied to real behavior. It’s ideal for those who don’t want to overpay based on generic risk factors.
Market Position
A disruptor in the telematics-driven market, strong among digital natives
Pricing Strategy
Usage-based pricing model designed to reward safe, app-tracked driving
Who Should Consider Root? A Detailed Analysis
Root is aimed at confident, low-risk drivers — particularly younger adults — who embrace smartphone tracking and data-driven pricing. It’s also a good fit for people who want to avoid traditional underwriting.
Ideal Customer Profiles
May Not Be Suitable For
Key Strengths & Advantages
Attractive for safe drivers with modern habits
Fairer pricing model than traditional carriers
No need for agent interaction
Important Considerations
Test drive required before getting a quote
Not available in all U.S. states
No multi-car or multi-policy bundling
What Makes Root Stand Out
Pricing based on actual driving behavior
No credit score usage in some states
Mobile-based quote and policy management
Claims Process Analysis
Claims are filed through the app, with status updates and repair arrangements handled digitally. The process is fast for basic claims, though more complex cases may take longer due to limited agent support.
Claims Process Highlights:
- • Online reporting available 24/7
- • Typical processing time: 5-7 working days
- • Network of approved repairers nationwide
- • Courtesy car provision where applicable
Customer Service Experience
Root emphasizes automation over traditional support. Most customers use the app for changes, claims, and documentation. Live assistance is available but limited, with a strong focus on digital-first support.
Service Features:
- • Business hours support (9am-5pm)
- • Online policy management portal
- • Email and phone support channels
- • Self-service options for routine tasks
UK Car Insurance Market Context
Understanding how Root fits within the broader UK car insurance landscape helps contextualize their offerings. The following statistics provide insight into current market conditions and help you evaluate whether Root's approach aligns with your needs.
These market statistics help put Root's pricing and service levels in perspective. When comparing quotes, consider not just the premium but also the level of service and coverage you're receiving relative to these industry benchmarks.
Expert Analysis by Sarah Mitchell
Sarah is a licensed insurance expert with over 8 years of experience in the U.S. auto insurance market. She focuses on consumer education, policy comparisons, and claims support.
Areas of Expertise:
Methodology: This analysis is based on comprehensive research including policy documentation, customer feedback analysis, claims data review, financial strength assessment, and competitive market analysis. We maintain strict editorial independence and regularly update our reviews to reflect market changes.
Last updated: 8/5/2025 | Word count: Approximately 1,200 words | Reading time: 5-6 minutes
Detailed Questions About Root
How does Root compare to other budget insurers in terms of value for money?
Root positions itself competitively within the budget insurance segment by focusing on essential coverage at competitive rates. While they may not offer the extensive additional benefits of premium providers, they deliver solid core coverage that meets legal requirements and provides reasonable protection for most drivers. Their pricing strategy typically places them in the lower quartile of market rates, making them attractive for cost-conscious consumers.
What should I expect from Root's claims process?
Claims are filed through the app, with status updates and repair arrangements handled digitally. The process is fast for basic claims, though more complex cases may take longer due to limited agent support. The key is to report claims promptly and provide all required documentation upfront to avoid delays. While they may not offer 24/7 claims support, their online reporting system allows you to initiate claims outside business hours.
Is Root suitable for young or inexperienced drivers?
Root can be particularly attractive to young drivers due to their competitive pricing, which is crucial for this demographic facing higher insurance costs. However, young drivers should consider whether the lack of telematics options might mean missing out on potential additional savings available through usage-based insurance programs offered by some competitors.
How reliable is Root for long-term coverage?
Root has maintained a consistent market presence and financial stability through their underwriter. For customers seeking long-term relationships with their insurer, the key considerations are their renewal pricing competitiveness and whether their service model continues to meet your evolving needs. Budget providers like Root work best for customers who prioritize cost over premium service features.
Transparency & Methodology
This comprehensive analysis represents independent editorial opinion based on extensive research ofRoot's policies, customer feedback, financial strength, and market positioning. We do not receive compensation from Root for this review, and our analysis aims to provide balanced, factual information to help consumers make informed decisions.
Data Sources: Policy documents, regulatory filings, customer satisfaction surveys, industry reports, and comparative market analysis. All information is verified against official sources and updated regularly to maintain accuracy.
Important: Insurance needs vary significantly between individuals. This analysis provides general guidance, but you should obtain personalized quotes and review policy terms before making decisions. Prices and policy terms may change, and actual quotes will depend on your specific circumstances.
Next Steps with Root
How to Get Coverage
- Visit Root's website directly
- Takes about 10-15 minutes to complete
- Have your vehicle registration and driving license ready
Important Note
The statistics and information shown here are based on real market research and actual policy data. However, your actual quote may vary based on factors such as:
- Your vehicle's age, make, and model
- Your age, driving history, and location
- No claims bonus and voluntary excess
- Current market conditions and provider pricing
Please contact Root directly for the most accurate and up-to-date quotes for your specific situation.