Root Insurance
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1 Star Rating
They are so slow on claims. It's going on three months, and still nothing has been done about our car. The accident wasn't even our fault. So sad.
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Root Insurance
Root Insurance is an app-based auto insurance company that bases each customer&rsquo,s rate primarily on how they drive. Root Insurance only insures customers who qualify as good drivers. To determine if a customer is a good driver, they must download the Root Insurance app and drive normally for 3 weeks while the app tracks their behavior. In about 3 weeks, a Root Insurance quote will be available. The company also offers homeowners and renters insurance. Here are a few other key things to know about Root Insurance: Offers auto insurance, homeowners insurance, and renters insuranceAvailable to customers with iPhones (5s and above) and AndroidsOperates in every state except Alaska, Hawaii, Maine, Massachusetts, Michigan, New Jersey, New York, Rhode Island, and VermontA+ ,from the Better Business Bureau (BBB)4.0/5 average rating among WalletHub usersHigher volume of customer complaints than many competitors... show more
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Root Insurance Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 03/04/2026.
3.9
6,347 reviews from WalletHub and across the web
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Root Insurance
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1 Star Rating
Let me start by saying if I were dying, I wouldn't use this insurance as a lifeline. I have never encountered an insurance that lies and knows they are being recorded, and the supervisors are worse. These people tell me to choose them at $491.00, and the second month they will lower my payment every month until it reaches $272.00. I don't have any speeding tickets; where I live, you must be careful at all times. I have no reckless driving tickets. I do have one citation for not yielding, which was $99.00. The others are three hit-and-runs; these are not my fault. Then they cancelled my insurance first and then went into my account and took the payment out. I'm so sick of liars! Now I have insurance with a great company that is knowledgeable, compassionate, and caring. Please, please don't choose this company! I wish I could give no stars! 😡 If you are disabled or elderly, that's who they target the most, and I am both.
Product: Root Insurance Car Insurance
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Hi, Jarnetta. We aim to make all aspects of your experience clear and convenient from the start, and we're sorry this wasn't the case. Please know that we've shared your feedback with our team for review and we'll be here if you need anything. —Root Insurance Social Media Team
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Root Insurance
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1 Star Rating
Root Insurance is a scam! They take your money and do nothing to protect you or even work with you! I filed a claim a month ago and still, no one has gotten back to me. They keep taking my money, and day after day, they will not process my claim. Don't trust them, ever!
Product: Root Insurance Car Insurance
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Hi, Rachkim2000. We're sorry to hear about your accident and we hope everyone is safe. Please know that we've shared your review with our claims department. —Root Insurance Social Media Team
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Root Insurance
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1 Star Rating
I hit a deer, the body shop got the car work done. Root insurance won't pay the claim! When I call, they give me the runaround and say yes, they have paid. The body shop states they haven't received payment. Do not ever use Root; they definitely are not trustworthy!
Product: Root Insurance Car Insurance
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Hi, Ednastewart17. We're sorry to hear about the accident and we hope everyone is safe. Please know that we've shared your review with our claims department. —Root Insurance Social Media Team
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Root Insurance
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1 Star Rating
I just signed up with this insurance company, stating a $97 down payment and $156 a month. They took my money, but I received no insurance paperwork or anything. When I downloaded the app and created an account, it states that I need a quote for insurance, but I have already paid and should have a policy. Please return my money; you are a fraudulent company, and I hope for you to be shut down for falsely claiming to be an insurance provider.
Product: Root Insurance Car Insurance
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Hi, Karen. We're sorry to hear of any trouble. If you haven't done so already, you can reach our customer support team for help at [email protected]. —Root Social Media Team
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Root Insurance
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1 Star Rating
This is a really poor company. Even though the police report clearly states that the collision is their insured's fault, they still refused to pay for the repairs.
Product: Root Insurance Car Insurance
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We're sorry to hear about the accident and we hope everyone is safe. If you need help with a claim, please send your claim number to [email protected] and attach this review for context. That way, we can get this to the right place. —Root Social Media Team
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Root Insurance
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1 Star Rating
The one star is generous. This company is unsatisfactory. Point blank and simple. High premiums and unrealistic monthly payments. It amazes me that this company refused to help me. How can you expect someone to afford insurance at $600/month? That is what I would have had to pay to have comprehensive and collision coverage. All the money you take from people and you "can't help" is complete nonsense. I'm so glad I left them behind and I will do my due diligence to ensure every website is aware of how unethical this company is.
Product: Root Insurance Car Insurance
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Hi, Musiqkid88. We're sorry to hear about your experience and that you decided to cancel. If you have any questions in the future, you can reach our customer support team at [email protected].
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Root Insurance
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1 Star Rating
The worst insurance company ever. They fraudulently withdraw money from your account without your authorization. When you call to get it resolved, you can't even understand what they are saying. The one star is completely too generous. If I could give them negative five stars, I would.
Product: Root Insurance Car Insurance
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Hi, Laqualon_choice. We aim to make all aspects of your experience clear and convenient, and we're sorry this hasn't been the case. Please know that we've shared your feedback with our customer support team for review. —Root Social Media Team
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Root Insurance
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1 Star Rating
I do not recommend this company. They start with a low rate but gradually introduce new charges, resulting in a monthly cost that is twice as much as that of other insurance providers. I was paying $408 per month with Root, but after switching to Progressive, I pay only $200 per month. When I canceled my insurance with Root, they had just withdrawn $408 from my account on the day of cancellation, but they only refunded me $245 of that amount. I believe they are unfair and deceptive. I am filing a complaint with the insurance commissioner.
Product: Root Insurance Car Insurance
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Hi, Gina_shoemaker1. We're sorry to hear you decided to cancel, but we understand why you may choose a different carrier if you can find a lower rate elsewhere. Please know that we've shared your feedback with our customer support team for review. —Root Social Media Team
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Root Insurance
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1 Star Rating
I used Root Insurance a few years ago. I totaled my car and went to file a claim but never heard back. A few months later, I received a call stating that there was a repossession on my credit report. So, I called Root Insurance and was told that they dropped me as a client the day before the wreck (how convenient), and that they had sent me an email and a letter in the mail, neither of which I received. I was told that they would not do anything and it was my fault for them not covering it now im stcul woth a repossession on my credit. Terrible insurance company!
Product: Root Insurance Car Insurance
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Hi, Stephenscolton02. We're sorry to hear about your accident and we hope everyone is safe. Please know that we've shared your feedback with our claims department for review.
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Root Insurance
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1 Star Rating
This company overcharges for car insurance; they charge over $500 for full coverage and $300 for liability. I left them and now pay less than their liability for both cars. I would not recommend this insurance company, as they are dishonest about the safe driver discount.
Product: Root Insurance Car Insurance
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We're sorry to hear your quote wasn't what you hoped for as our pricing models don't save everyone money. Thanks for giving Root a try.
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Could not agree more. I got into a collision in September and because I didn't have comprehensive or collision coverage, they refused to help me or even offer resources. I have had a totaled car since 9/8. I left them and couldn't be happier.
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Root Insurance
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1 Star Rating
Absolutely horrible. I recently cancelled because I was told on July 14th that my insurance is $145 a month. Then, last night, they emailed me and said that my insurance for August 10th is $183. After cancellation, I got charged $50, and I will not do business with these unscrupulous individuals because I received no explanation for why my insurance increased. If I could give a zero, I would. Anyone looking at these individuals for insurance should look elsewhere because I found a better deal through Geico for $108 a month for my 2011 Escape. That includes things that Root Insurance didn't have for $145, like comprehensive collision coverage, uninsured motorist protection, and coverage for medical care from an accident. I have let friends and family know to stay away from Root Insurance.
Product: Root Insurance Car Insurance
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Hi, Bobbibickford6. We understand how disappointing a rate increase can be, especially if you are maintaining safe driving habits. We appreciate your time with us and we'll be here if you need anything.
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Root Insurance
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1 Star Rating
Quite possibly the worst car insurance I've ever had. They are happy to take your money but don't want to help you as they should. They've given us the biggest runaround and just want it to be everyone else's problem. It's been over two weeks and I haven't heard from them. When I call and finally get hold of them, I get the same response of "I'll talk to my manager and call you back," along with "You should have read your policy before you signed it!" What do I pay them for?
Product: Root Insurance Car Insurance
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Hi, Kiley. We aim to make all aspects of your experience clear and convenient, especially when you start your policy and choose the best coverages for you. We're sorry to hear this wasn't the case and we'll be here to help if you need anything else.
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Root Insurance
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2 Star Rating
Root is the worst fraudulent insurance company I have seen over the years! You cannot compare it with Progressive because Progressive will not fraudulently go into your account and use your card without your consent to take your money. Root will do that easily. I have a premium which I pay monthly, and I have never defaulted. I was expected to pay by calling in, and suddenly the moment I sent them an email, and I went into their app to cancel, they started using the old card, and all the cards I had used to make payments in the past, and they started taking my money despite cancellation. If you use them, you are on your own because they exploit you as if you will never see a cheaper alternative. But when I went to Progressive, they were cheaper and reliable. I have decided to take them to court if they refuse to return my money in the next 24 hours because they committed fraud by taking my money without my consent, and I did not authorize the auto-pay, so why after 7 days did they still go into my account to take my money? They are scam based!
Product: Root Insurance Car Insurance
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Hi, Tokunbo. We aim to make all aspects of your experience clear and convenient, starting when you sign up. Please know that we've shared your feedback with our customer support team for review.
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Root Insurance
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1 Star Rating
I literally needed to switch to another insurance company for a cheaper price after buying a new vehicle and was wanting to cancel this policy for my vehicle I just sold (which I was paid up on and current), and they charged me $50 for no apparent reason.
Product: Root Insurance Car Insurance
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Hi, Ryan. We aim to make all aspects of your time with us clear and convenient, especially as it relates to your payments. We're sorry to hear of any trouble and have shared your feedback with our customer support team for review.
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Root Insurance Q&A(4 questions)
Get answers to your questions about Root Insurance below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
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0
UpvotesIs Root Insurance legit?
Reply
Delaney Simchuk
Yes, Root Insurance is a legitimate insurance company that offers auto and renters insurance. Root Insurance sells policies in 34 states, has pretty good customer reviews, and is cheaper than average.
Why Root Insurance Is Legit
- Root Insurance has been in operation since 2015 and is based in Columbus, OH.
- Root Insurance has an A+ from the Better Business Bureau.
- AM Best gave Root Insurance rating for its financial strength and ability to pay out claims.
- The Root Insurance NAIC rating is 1.39, meaning it receives a relatively low volume of customer complaints.
- Root Insurance has a user rating of 3.9/5 on WalletHub.
To learn more, check out WalletHub's Root Insurance review.
2
UpvotesDoes Root offer full coverage insurance?
Reply
Lilah Butler
Yes, Root offers full coverage car insurance. Full coverage from Root typically includes at least a state's minimum required car insurance coverage along with collision and comprehensive insurance to protect the policyholder's vehicle.
Full coverage car insurance from Root costs $1,712 per year, on average. It is more expensive than a liability-only policy because it provides more coverage.
Cost of Root Full Coverage by Driver's Age
|
Driver |
Annual Cost |
| ... |
$2,960 per year |
0
UpvotesHow can I cancel my Root Insurance policy?
Reply
Root Insurance
We're sorry to hear you might be leaving Root. If you decide to cancel your policy, you are responsible for doing so yourself in the app.
You will have two options:
- Cancellation effective immediately
- Cancellation at the end of your 6-month policy term
If you decide to cancel your policy, tap Auto Policy in the app. Then scroll down to the bottom of the page and tap Cancel my policy (written in bright orange). Then ...
0
UpvotesHow to change policy
Reply
Root Insurance
Hi, there. You can manage your policy right in the Root app. Feel free to learn more here.
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