Auto Insurance Comparison
Foremost vs Root
Side-by-side comparison of Foremost vs Root auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Foremost is essentially tied with 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.
| Foremost | Root | |
|---|---|---|
| Overall score | 3.65 /5 ★★★★★ Highest overall | 3.60 /5 ★★★★★ |
| Best for | Foremost Insurance is Farmers' specialty arm, originally known for manufactured-home insurance and now writing non-standard auto, RV, motorcycle, and seasonal-property 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 | Foremost review → | Root review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Foremost | Root |
|---|---|---|
| Customer experience | 3.60 | 3.50 |
| Coverage breadth | 3.80 | 3.50 |
| Affordability | 3.50 | 3.80 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
Foremost
Full review →Pros
- Strong specialty positioning for manufactured homes, RVs, and motorcycles
- Backed by Farmers financial strength
- Accepts non-standard auto risk
- Available across all 50 states for at least some lines
Cons
- Not a fit for standard-risk auto shoppers
- Customer satisfaction trends mid-pack
- Best for specialty lines, not mainstream auto
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.
Foremost
Root
The bottom line
Foremost
Foremost makes sense for specialty needs — manufactured-home, RV, motorcycle — or non-standard auto. For mainstream auto coverage, look at GEICO, Progressive, or Farmers' main book.
Read the full Foremost 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.