Auto Insurance Comparison
Quick verdict
Shelter 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.
| Shelter | Root | |
|---|---|---|
| Overall score | 3.95 /5 ★★★★★ Highest overall | 3.60 /5 ★★★★★ |
| Best for | Shelter Insurance is a Midwest-focused mutual that consistently ranks well on customer satisfaction in its operating states | 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 | Shelter review → | Root review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Shelter | Root |
|---|---|---|
| Customer experience | 4.20 | 3.50 |
| Coverage breadth | 4.00 | 3.50 |
| Affordability | 3.70 | 3.80 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
Shelter
Full review →Pros
- Strong customer satisfaction reputation in operating states
- Mutual structure — policyholder-owned, no shareholder pressure
- Local agent network with deep state-specific expertise
- Bundling discounts when combined with home or umbrella
Cons
- Available in only 14 states, mostly Midwest
- No online quoting — every policy runs through an agent
- 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.
Shelter
Root
The bottom line
Shelter
Shelter is a solid choice in its Midwest footprint, particularly if you prefer agent-based service. Outside its operating states, it isn't an option.
Read the full Shelter 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.