Auto Insurance Comparison
Quick verdict
Acuity comes out clearly ahead Root in our overall scoring — but each carrier wins on different dimensions. See the breakdown below before deciding.
Head-to-head
Overall scores, key facts, and what each is known for.
| Acuity | Root | |
|---|---|---|
| Overall score | 4.05 /5 ★★★★★ Highest overall | 3.60 /5 ★★★★★ |
| Best for | Acuity Insurance is one of those quietly excellent Midwest mutuals — consistently top-rated for customer satisfaction, available across 30 states, distributed through independent agents | Root is a digital-native carrier built around a test-drive model — you install the app, drive for ~3 weeks, and Root prices your policy based on actual driving behavior |
| Read full review | Acuity review → | Root review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Acuity | Root |
|---|---|---|
| Customer experience | 4.40 | 3.50 |
| Coverage breadth | 4.00 | 3.50 |
| Affordability | 3.80 | 3.80 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
Acuity
Full review →Pros
- Consistently strong customer satisfaction reputation
- Available in 30 states — broader than most Midwest mutuals
- Independent agent distribution with state-specific expertise
- Solid multi-line bundling discounts
Cons
- Limited brand recognition outside the Midwest
- No online quoting — independent agents only
- Mid-market pricing, not a budget option
Root
Full review →Pros
- Low-mileage drivers
- Drivers who do everything to keep themselves safe on the road
- Prospective customers want to save on renters and vehicle insurance.
Cons
- high-risk drivers in the high-risk categories.
- Insurance agents who prioritize work
- drivers who seek a comprehensive insurance plan
Coverage at a glance
What each carrier offers in standard policies.
Acuity
Root
The bottom line
Acuity
Acuity is a quietly excellent choice in its 30-state footprint, particularly for buyers who value service over headline rates. Worth a quote in any of its operating states.
Read the full Acuity reviewRoot
Root is worth trying if you're a genuinely safe driver who's comfortable with a 3-week test and digital-only service. If you need immediate coverage or prefer human agents, look elsewhere.
Read the full Root reviewBefore you decide
Rankings are a starting point — your profile decides the rest.
These scores reflect our editorial research across cost, coverage, and customer experience. The right carrier for you still depends on your record, location, and vehicle, so read the full reviews before you commit.