Root Insurance
telematics-insurance · USRoot Insurance pioneered the usage-based auto insurance model in the US market by building its entire pricing model around individual driving behavior rather than demographic proxies like age, gender, and credit score. Before offering a quote, Root requires a test drive period of two to four weeks during which the Root app measures driving behavior including braking patterns, acceleration, cornering, phone usage while driving, and time of day. Safe drivers can save significantly compared to traditional insurance pricing — Root claims savings of up to 52 percent compared to traditional insurers for safe drivers. Root is particularly valuable for young drivers who are traditionally penalized by demographic-based pricing despite being safe drivers, and for anyone whose driving behavior is better than what their demographics would suggest. Root is publicly listed on Nasdaq and operates in 34 states. Insurance products are regulated — availability and savings vary by state and driving record.
What does Root Insurance offer and what types of insurance does it compare?
Root Insurance is an online insurance business insurance marketplace where personal users can compare quotes from multiple carriers. Free to consumers — the platform earns commissions from insurers, not from users. Available in US only. Usage-based auto insurance that prices policies based on actual driving behavior rather than demographic factors — measured through a test drive period using the Root mobile app.
⚠ Insurance Marketplace Disclaimer
The platforms listed on this page are third-party insurance marketplaces. Finatune does not sell insurance, does not provide insurance advice, and is not a licensed insurance broker. Coverage availability, pricing, and carrier access vary by state, country, and individual profile. Always review policy details carefully before purchasing. Fee structures, carrier networks, and platform features are subject to change — verify current terms directly with each provider before obtaining quotes or purchasing a policy.
Pricing
// verify pricing before launch — prices shown may not reflect current vendor rates
Key Features
- •Behavior-based pricing — rates set by how you drive not who you are
- •2 to 4 week test drive period measures actual driving behavior
- •Braking, acceleration, cornering, phone use, and drive time measured
- •Up to 52 percent savings for safe drivers versus traditional pricing
- •Renters insurance available alongside auto
- •Entirely mobile-app-based experience
- •Instant quotes after test drive completion
- •Available in 34 states
Pros
- +Genuinely fairer pricing for safe drivers — behavior replaces demographic proxies
- +Best savings potential for safe drivers of any auto insurer — up to 52 percent
- +Particularly valuable for young safe drivers penalized by traditional age-based pricing
- +Entirely app-based experience from test drive to claims
- +Renters insurance available to bundle with auto coverage
- +Transparent pricing methodology based on measurable driving factors
Cons
- −High-risk or unsafe drivers may be declined or receive unfavorable pricing
- −Test drive period required before receiving a quote — cannot get instant pricing
- −Available in only 34 states — not nationwide
- −Driving behavior monitoring requires continuous app permissions which some users find intrusive
- −Less suitable for drivers with complex auto insurance needs beyond standard personal coverage
- −Insurance products are regulated — savings vary by state, driving record, and vehicle type
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Reviewed by Finatune · Last updated 2026-07-01