Root Insurance Car Insurance Review
Root is a mobile-first insurer that bases your premium on actual driving behavior. Its designed for safe drivers looking to benefit from usage-based pricing.
Company & Policy Details
Company Information
Established
2015
Underwritten by
Root Insurance Company
Market Position
Customer Service Hours
24/7 via app
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
- Pricing based on driving behavior via app
- Good for safe and low-mileage drivers
- Fully digital experience from quote to claim
Available Features
Customer Service
Premium Range
From
£600.00
Average
£775.00
Cover Types
- Comprehensive
- Liability + Collision
- Liability Only
Coverage Distribution
Comprehensive
33.3%
Third Party Fire & Theft
0.0%
Frequently Asked Questions
How does Root calculate rates?
You download the app, take a test drive, and your rate is based on performance.
Can bad drivers be denied coverage?
Yes, Root may decline high-risk drivers.
What if I don’t drive often?
Low mileage can work in your favor with Root’s pricing model.
Is Root available in all states?
Root is not available in every state yet — availability varies.
In-Depth Provider Analysis
Expert Analysis: Root Insurance Car Insurance
Root is a modern, app-based insurer founded in 2015 that offers usage-based insurance via driving behavior measurement. Pricing is determined through telematics tracking, promising lower rates for safe drivers. Claims are processed digitally without agents.
Professional Editorial Review
Root’s telematics model rewards safe drivers but may alienate higher-risk users or those seeking more traditional support.
Market Position
A tech-disruptor seeking to reshape auto insurance pricing.
Pricing Strategy
Dynamic telematics-driven pricing aimed at safe drivers.
Who Should Consider Root Insurance? A Detailed Analysis
Safe-driving smartphone users looking for usage-based discounts.
Ideal Customer Profiles
May Not Be Suitable For
Key Strengths & Advantages
Easy, intuitive app
Quick sign-up process
Noticing low-risk driver savings
Important Considerations
Rates can spike for riskier drivers
Limited bundling or add-ons
Service purely online
What Makes Root Insurance Stand Out
App-only enrollment
Usage-based pricing
No agents/building saved overhead
Quick online claims
Modern user interface
Claims Process Analysis
Claims are filed through the app. Root processes and pays out digitally; complex claims refer to partner repair vendors.
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
Customer service is via chat and phone. Satisfaction is mixed—high for speed but lower for personal attention.
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 Insurance 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 Insurance's approach aligns with your needs.
These market statistics help put Root Insurance'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: 8/4/2025 | Word count: Approximately 1,200 words | Reading time: 5-6 minutes
Detailed Questions About Root Insurance
How does Root Insurance compare to other budget insurers in terms of value for money?
Root Insurance 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 Insurance's claims process?
Claims are filed through the app. Root processes and pays out digitally; complex claims refer to partner repair vendors. 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 Insurance suitable for young or inexperienced drivers?
Root Insurance 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 Insurance for long-term coverage?
Root Insurance 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 Insurance 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 Insurance's policies, customer feedback, financial strength, and market positioning. We do not receive compensation from Root Insurance 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 Insurance
How to Get Coverage
- Visit Root Insurance'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 Insurance directly for the most accurate and up-to-date quotes for your specific situation.