Root offers nearly all of the coverages that are offered by much older and larger firms--and some that traditional insurers do not. The company offers SR-22 coverage and also insures cars with rebuilt and salvage titles. Root policies apply when one of their customers is driving a rental car. Roadside assistance is included with every policy*. Root does not cover motorcycles, ATVs, exotic vehicles, or commercial vehicles. It covers Uber and Lyft drivers when they are driving on their own time, but not when they are driving for hire.

Root Insurance is a young company and as a result, there isn't much information available about its customer experience. However, the Root app has a 4.7 star rating with over 30,000 reviews. Premiums are set primarily according to driving behavior, which the company measures. For those who are used to traditional insurance models, this new business model may take some getting used to, however the Root app is quite easy to use. The company has no reviews on TrustPilot. It is a BBB-accredited firm with a high rating. Complaints to the BBB have centered around claims experience and customer communication, and were mainly lodged during a period at the end of 2018. In a response to those complaints, the company says it was experiencing growing pains in building their own in-house claims team and has since resolved the concerns.

Root has not been rated by Standard & Poor's, Moody's, AM Best, or Demotech. However, in 2018 Root raised $100 million in Series D funding and the company valuation is now at $1 billion.

Root's business model is organized around the idea that premium pricing should be based in large part on how people drive. The company claims to be selective about who it insurers and suggests that by covering only "good drivers," it is able to make rates more affordable for those people. Root says this approach can save some people as much as 52% on their insurance based on national reviews reported by actual customers.



*Offered as a separate coverage in NV and CA.