Auto Insurance Comparison
Quick verdict
Farmers edges 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.
| Farmers | Root | |
|---|---|---|
| Overall score | 3.70 /5 ★★★★★ Highest overall | 3.60 /5 ★★★★★ |
| Best for | Farmers is built around its 48,000-agent network and a broad bundling story — particularly when paired with home or life coverage | 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 | Farmers review → | Root review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Farmers | Root |
|---|---|---|
| Customer experience | 3.70 | 3.50 |
| Coverage breadth | 4.20 | 3.50 |
| Affordability | 3.20 | 3.80 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
Farmers
Full review →Pros
- Coverage that is completely customizable for both vehicle and house insurance policies
- Opportunities for bundling several lines of insurance
- Numerous automobile insurance reductions are available.
- Fewer customer complaints than average
Cons
- Standalone auto rates typically run above more pure-play competitors
- Customer satisfaction on claims handling trends average to slightly below average
- Online quote and self-service experience lags more digital-native competitors
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.
Farmers
Root
The bottom line
Farmers
Choose Farmers if you'd use the agent relationship and bundle multiple lines. As a price-driven solo-auto shopper, you'll usually find cheaper rates at GEICO or Progressive without giving up much.
Read the full Farmers 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.