Root car insurance review 2026: 2.0 out of 5 stars

Core Insights - Root Insurance is an app-based auto insurer that primarily determines policy pricing based on driving behavior through a mobile app driving test, which may lead to competitive rates for good drivers but higher costs for others, with some applicants potentially not receiving quotes at all [1][2] Group 1: Company Overview - Root operates in over 35 states and provides a digital-first experience, but it has higher-than-average complaint levels according to the NAIC and a C grade from the CRASH Network, along with limited coverage options compared to larger insurers [2] - The average monthly cost for full coverage with Root is $224, making it one of the most expensive options available, tied with AAA of Southern California [10][11] - Root's basic liability coverage costs about $133 per month, which is $20 more than the average and $44 more than the cheapest competitor, American Family [12] Group 2: Coverage and Discounts - Root offers various types of coverage, including liability, comprehensive, collision, roadside assistance, and personal injury protection, among others [14] - The company provides 12 different discounts, with significant savings available for safe and low-mileage drivers, potentially up to $900 annually [15][16] - Notably, Root does not offer accident forgiveness or new car replacement coverage, which may be a drawback for some consumers [9][22] Group 3: Customer Satisfaction and Claims Process - Root has a 4.2 rating on Trustpilot, indicating positive customer experiences, but it has a higher-than-average complaint ratio and did not appear in J.D. Power's customer satisfaction surveys [8][22] - The claims process is streamlined through the mobile app, allowing users to file claims in about three minutes, although the speed of claim payouts can vary based on complexity [17][19][20]