Root Insurance Review 2025: Smarter, Cheaper Car Coverage Backed by Technology

In today’s evolving auto insurance landscape, traditional models are increasingly giving way to smarter, technology-driven solutions. One of the most disruptive companies in this space is Root Insurance. Known for its usage-based pricing and mobile-first approach, Root Insurance aims to offer fair, affordable rates to responsible drivers by leveraging telematics and driver behavior.

In this in-depth review of Root Insurance, we’ll explore what makes it stand out, its pros and cons, pricing, customer experiences, and how it compares to traditional car insurance providers. Whether you’re shopping for your first auto policy or thinking about switching, this article will provide everything you need to know about Root Insurance in 2025.

What Is Root Insurance?

Root Insurance is a car insurance company that uses your smartphone to assess your driving habits. Rather than relying solely on traditional factors like credit score, age, or ZIP code, Root tracks your real-world driving behavior through a mobile app. The better you drive, the more you can save.

Root Insurance was founded in 2015 and has gained significant traction for its unique model. It is currently available in many U.S. states and is expanding rapidly.

How Does Root Insurance Work?

Root’s process is simple and transparent:

1. Download the Root App: Available on iOS and Android.

2. Take the Test Drive: Over 2-3 weeks, the app monitors your driving.

3. Get a Quote: If you qualify, Root sends you a quote based on your driving data.

4. Buy Coverage: Purchase directly from the app and manage everything digitally.

Key Features of Root Insurance

The appeal of Root Insurance lies in its fairness and transparency. Instead of punishing you for living in a high-claim ZIP code or having a low credit score, Root rewards actual safe driving behavior.

Some of the reasons why Root is especially appealing in 2025:

• Affordability: Many drivers report up to 52% lower premiums compared to traditional insurers.

• Fairness: Your rates are based on real driving, not outdated credit models.

• Convenience: Everything—from quotes to claims—is done through the app.

• Modern Features: Integration with Apple Wallet, usage tracking, and instant ID cards.

Is Root Insurance Legit and Safe?

Yes, Root Insurance is a licensed and legitimate insurer. It holds licenses in the states where it operates and is underwritten by Root Property & Casualty Insurance Company. The company has received funding from major venture capital firms and is publicly traded on the Nasdaq under the ticker symbol ROOT.

For more regulatory information, you can visit the National Association of Insurance Commissioners.

Who Should Consider Root Insurance?

Root Insurance is ideal for:

• Safe drivers who don’t have many tickets or accidents.

• Tech-savvy individuals comfortable using mobile apps.

• Drivers with poor credit looking for a fairer pricing model.

• Urban residents who drive less frequently but safely.

However, if you have inconsistent driving habits or poor phone signal/reception, Root’s model may not be the best fit.

Root Insurance Pros and Cons

Pros

• Personalized, behavior-based pricing

• Often cheaper for safe drivers

• Free roadside assistance

• No hidden fees or agents

• Simple and user-friendly app interface

Cons

• Must qualify after a test drive

• Not available in every state

• No bundled insurance options (e.g., home + auto)

• Customer service is primarily app-based, which may not suit everyone

Customer Reviews and Reputation

Root Insurance has a mixed reputation online, with many customers praising its savings and transparency, while others note occasional issues with claims processing.

Positive Feedback:

• “I saved over $500 switching to Root!”

• “The app was intuitive, and the quote matched my budget.”

• “Loved that they didn’t care about my credit score.”

Negative Feedback:

• “Claims process took longer than expected.”

• “App tracking was a bit glitchy in rural areas.”

For more detailed feedback, check out Trustpilot or Better Business Bureau listings.

Root Insurance vs. Traditional Car Insurance

1. Download the App: Head to Google Play or Apple App Store.

2. Sign Up: Enter your basic driving info.

3. Test Drive: Drive normally for a few weeks while Root evaluates your habits.

4. Receive Your Quote: Root offers a personalized premium.

5. Start Your Policy: Buy your policy in-app and manage it on the go.

FAQs About Root Insurance

1. Is Root Insurance cheaper than GEICO or Progressive?

In many cases, yes. Root Insurance can be significantly cheaper for drivers with good habits since it bases rates on driving performance, not credit or demographics.

2. How long is the Root Insurance test drive?

Usually, the test drive takes about 2-3 weeks. Root uses this period to collect enough data to determine your rate.

3. Does Root Insurance cover rental cars?

Yes, if you have comprehensive and collision coverage, Root Insurance typically extends to rental cars. However, check policy details to confirm.

4. Can I get Root Insurance without the test drive?

No, all new customers must complete the test drive. This is how Root determines if you’re eligible and how much your policy will cost.

5. Where is Root Insurance available?

Root Insurance is available in a growing number of U.S. states. Availability can change, so it’s best to check their official website for the most current list.

Final Thoughts: Is Root Insurance Worth It in 2025?

If you’re a safe driver looking for an affordable, modern, and fair car insurance solution, Root Insurance is absolutely worth considering in 2025. By putting control in the driver’s hands and using real data to set rates, Root disrupts outdated models and rewards those who drive responsibly.

With more consumers seeking transparency and cost-saving options, Root Insurance is positioned to lead the charge in the next wave of auto insurance innovation.