See auto rates

Last reviewed: May 20, 2026

Auto Insurance Review

Published: May 20, 2026Written byRai AntonioReviewed byDavid KrugData byFelix Lucero
Compare rates in your area

● Auto Insurance

Live auto rates from the carriers we've reviewed. Carriers pay us only when you switch.

Why trust QuoteYeti

QuoteYeti's editorial team has spent 30+ combined years researching insurance markets. Every piece is written by named writers, reviewed by our editor-in-chief against the QuoteYeti methodology, and rate-heavy content is verified by our data team. No paid placements. Read our editorial standards →

Root Auto Insurance Review

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. For genuinely safe drivers, the rates can be excellent. For everyone else, mainstream carriers will offer coverage Root won't.

Headquarters
80 E Rich St Suite 500, Columbus, OH 43215
Website
www.joinroot.com
Phone
866-980-9431

See live rates

Compare Root against the auto carriers we've reviewed.

Key takeaways

Root pioneered the test-drive-to-rate model: most drivers take a 3-week phone-based driving test before getting a quote.

— QuoteYeti editorial team
  1. 02 Pricing rewards safe drivers significantly — Root's pitch is that good drivers shouldn't subsidize bad ones.
  2. 03 Customer experience varies sharply: drivers who pass the test love the rates; drivers who don't can't get coverage at all.

Root ratings

Overall score
Customer experience 3.50/5
Coverage breadth 3.50/5
Affordability 3.80/5

Pros and cons

Ordered by impact. The top item in each column is the one we'd weight heaviest in a recommendation.

What's working

  • Top pro Low-mileage drivers
  • Drivers who do everything to keep themselves safe on the road
  • Prospective customers want to save on renters and vehicle insurance.

What's not

  • Top con high-risk drivers in the high-risk categories.
  • Insurance agents who prioritize work
  • drivers who seek a comprehensive insurance plan

Our verdict

The bottom line

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.
See auto rates Compare against our top auto carriers

Carriers pay us only when you switch

See what you'd actually pay for auto insurance.

You've read the Root review. Now compare it against the other carriers we cover — your real rate, not a marketing average.