Root Insurance
📍 Available in: US
★★★★★ 4.7 / 5.0
Root Insurance pioneered mobile telematics by setting rates based on your actual driving behavior — braking, cornering, speed, and smartphone distraction — during a test drive period. Good drivers who avoid aggressive braking and cell phone usage can save up to $900/year.
Key Facts at a Glance
| Cost / Fee Structure | From $50 - $120/mo ($600 - $1,440/yr) |
| Coverage / Loan Limit | State Minimum to 250/500/100 |
| Deductible | $500 - $2,500 |
| Credit / Eligibility | Primarily Driving Score Based |
| Terms Available | 6-Month Policies |
Pros & Cons
✓ Pros
- ✓Safe drivers save up to 52% compared to traditional legacy carrier pricing
- ✓Focuses heavily on real behind-the-wheel metrics over occupation or education
- ✓Sleek, transparent mobile app for policy changes and claim filings
- ✓Free roadside assistance included in every base policy
✕ Cons
- ✕Must complete a 2–3 week test drive period before receiving an official quote
- ✕Declines coverage entirely for high-risk or aggressive drivers
- ✕Not available in every US state
Key Features
Smartphone Telematics Test Drive (2-3 Weeks)Fair Pricing Model (Reduces Demographic Bias)100% In-App Claims & Roadside DispatchLyft Credits During Covered RepairsNo Paper Forms or Phone Calls