Root Car Insurance Review & Ratings (2024)

What You Should Know About Root Insurance

When you’re shopping for coverage, one of the main questions you’re probably asking is how to find the best insurance companies. One way is to read reviews like this one on Root car insurance.

Our review will give you the basics of contacting the company, where you can buy Root car insurance, what kind of coverage you can get, how to get a quote, whether affordable Root car insurance is available, and more.

This Root car insurance review will go over the company basics so you can decide if it’s the right fit for your needs. Before you jump into this review, take a minute to use your ZIP code in the tool on this page to get free car insurance quotes from companies where you live.

Root Insurance Coverage Options

Root focuses specifically on car insurance (which means you can’t buy home, rental, or other insurance from the company) and doesn’t offer an extensive number of add-ons. Still, you can buy most standard car insurance coverage options from Root Insurance, including:

• Liability car insurance 
• Uninsured/underinsured motorist coverage
• Collision coverage
• Comprehensive coverage

While the number of add-ons offered by Root is limited, the company does have a couple of options. Every policy comes with roadside assistance coverage free of charge. Root’s roadside assistance protection includes up to $100 per incident for a maximum of three incidents per policy term.

In addition to the free roadside assistance coverage, Root Insurance sells rental reimbursement coverage you can use if your vehicle is in the shop after a covered accident or incident. Root offers a few different options for coverage amounts, and you can use the add-on to pay for both a rental car or Lyft rides.

Root also enables eligible drivers who need the paperwork to obtain an SR-22 form through the company app. Keep in mind this is usually only necessary for high-risk drivers, and Root may offer coverage if you’re high-risk.

Root Insurance Discounts Available

The company doesn’t offer many discounts because of Root’s approach to quoting car insurance to ensure you get the most affordable coverage based on your driving habits. However, there are still a couple of available discounts and perks offered to drivers covered by Root.

If you pay for your policy in full and upfront, you’ll qualify for a discount. Additionally, multi-policy discounts may be available to drivers who have more than one policy with Root Insurance.

In some states, Root offers Lyft credits to eligible drivers. These credits can be redeemed on some holidays. You can reach out to the company to determine whether the credits are available where you live and how to qualify. Referring your friends and family to Root can also earn you cash.

Read more: Root Car Insurance Discounts