Auto Insurance Comparison
Quick verdict
Pekin 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.
| Pekin | Root | |
|---|---|---|
| Overall score | 3.85 /5 ★★★★★ Highest overall | 3.60 /5 ★★★★★ |
| Best for | Pekin Insurance is an Illinois-headquartered mutual with a five-state Midwest footprint | 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 | Pekin review → | Root review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Pekin | Root |
|---|---|---|
| Customer experience | 4.00 | 3.50 |
| Coverage breadth | 3.80 | 3.50 |
| Affordability | 3.70 | 3.80 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
Pekin
Full review →Pros
- Mutual structure — policyholder-aligned ownership
- Strong Illinois market presence with deep state-specific expertise
- Multi-line bundling discounts when combined with home or life
- Solid customer satisfaction in operating states
Cons
- Only available in IL, IN, IA, OH, and WI
- No online quoting — every policy through an agent
- Pricing is mid-market, not a budget choice
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.
Pekin
Root
The bottom line
Pekin
Pekin is a fine regional choice in its five operating states, particularly Illinois. Outside that footprint, it isn't an option.
Read the full Pekin 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.