Auto Insurance Comparison
Quick verdict
Root comes out clearly ahead Titan 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.
| Root | Titan | |
|---|---|---|
| Overall score | 3.60 /5 ★★★★★ Highest overall | 3.05 /5 ★★★★★ |
| Best for | 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 | Titan is a non-standard auto carrier that's now part of Nationwide's portfolio, specializing in SR-22 filings and drivers with adverse records |
| Read full review | Root review → | Titan review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Root | Titan |
|---|---|---|
| Customer experience | 3.50 | 2.90 |
| Coverage breadth | 3.50 | 2.80 |
| Affordability | 3.80 | 3.50 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
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
Titan
Full review →Pros
- Backed by Nationwide — solid financial strength for a non-standard carrier
- Strong SR-22 specialization
- Accepts profiles other carriers reject
Cons
- Customer satisfaction below industry averages
- Limited geographic footprint
- Not a fit for standard-risk drivers
Coverage at a glance
What each carrier offers in standard policies.
Root
Titan
The bottom line
Root
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 reviewTitan
Titan is worth a quote if you need SR-22 filing in the states it operates. Standard-risk drivers should shop mainstream first.
Read the full Titan 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.