Root Insurance Reviews 

3,134
•
TrustScore 3.5 out of 5

3.7

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Review summary

Created with AI, based on recent reviews

Considering 227 reviews, most reviewers were somewhat happy with their experience overall. Consumers frequently mention that obtaining auto coverage is quick, simple, and entirely straightforward, featuring very reasonable prices compared to competing providers. Many people deeply appreciate the user-friendly digital application and the smooth, hassle-free setup process for managing their policies efficiently. Some reviewers were not happy with unexpected extra fees and sudden rate increases shortly after starting their new plans. Others also mentioned frustrating experiences communicating with customer service representatives, alongside noticeable communication delays during the claims handling process. People occasionally noted difficulties when attempting to resolve billing problems or getting timely assistance when needed.

What people talk about most

Price

Clients share ambiguous opinions on price, with many reviewers praising the affordable rates, cheaper... See more

Service

Reviewers mention ambiguous feedback about service, with many consumers expressing appreciation for prompt,... See more

Customer service

People report negative experiences with customer service, highlighting rude representatives, unhelpful... See more

Payment

Customers consistently note negative experiences with payment, highlighting unexpected charges after... See more

Reviews shaping this summary

Rated 4 out of 5 stars

I enjoy the cheaper saving on insurance but.. I pay $16 on fees alone for installment fees and renewal policy fee. They seem to want you to want you not to pay monthly. Never had a problem but it... See more

Company replied

Rated 4 out of 5 stars

It was easy to get insurance through root insurance and the rate was perfect for me! My experience getting the insurance was good, no problems. So I only gave it a four because I haven't had to use it... See more

Company replied

Rated 4 out of 5 stars

after shopping around for auto insurance, I came across Root. It was by far, for me, cheaper than any I previously searched. Thanks

Company replied

Rated 4 out of 5 stars

The app was easy, the price of my insurance very reasonable compared to other companies I called and I’ve definitely started referring family members and friends.

Company replied


Company details

  1. Money & Insurance

Written by the company

We use artificial intelligence to help good drivers save an average of $1187 a year on car insurance. Download our free app, take the test drive and get a quote!


Contact info

3.7

Average

TrustScore 3.5 out of 5

3K reviews

5-star
4-star
3-star
2-star
1-star

No recent history of asking for reviews

This company hasn't invited customers recently, so reviews may not be representative

Replied to 93% of negative reviews

Typically replies within 1 week

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3.7

All reviews

(3,134)

211 reviews in the last 12 months

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Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 1 out of 5 stars

I was rear ended two weeks ago

I was rear ended two weeks ago. I was asked to provide vin#'s for both my truck & trailer that was hit, which I did. Then I was asked to provide a quote to fix the trailer which I did. Then I was asked to blow up the quote as apparently, they had issues with it, so I did.
All they needed to do is obtain a statement from the driver & the policy holder which has still not happened. Do NOT purchase insurance from this company!

16 April 2026
Unprompted review
Root Insurance logo

Reply from Root Insurance

We're sorry to hear about the accident and we hope everyone is safe. If you need help with a claim, please send your policy and claim numbers to socialmedia@joinroot.com and attach this review for context. That way, we can get this to the right place. —Root Insurance Social Media Team

Rated 5 out of 5 stars

Experience was awesome and fast

Experience was awesome and fast, convenient Root. I appreciate the service.

28 April 2026
Unprompted review
Root Insurance logo

Reply from Root Insurance

Thanks for your kind words, Brian. We'll be here to help if you need anything along the way. —Root Insurance Social Media Team

Rated 1 out of 5 stars

Charging me$150 for a one day late fee…

Charging me$150 for a one day late fee lol! Crazy work

28 April 2026
Unprompted review
Root Insurance logo

Reply from Root Insurance

Hi, Jana. We'd like to look into this. If you have questions about your specific situation, please reach our customer support team at contact@joinroot.com. —Root Insurance Social Media Team

Rated 4 out of 5 stars

It was easy to get insurance through…

It was easy to get insurance through root insurance and the rate was perfect for me! My experience getting the insurance was good, no problems. So I only gave it a four because I haven't had to use it which I hope I don't.

27 April 2026
Unprompted review
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Reply from Root Insurance

Hi, Liz. We're glad to hear you're happy with your rate and that it was easy to get started. We'll be here if you need anything along the way. —Root Insurance Social Media Team

Rated 5 out of 5 stars

The price and the quickness and the…

The price and the quickness and the service online was superb! I recommend ROOT to all my family and friends.

22 April 2026
Unprompted review
Root Insurance logo

Reply from Root Insurance

Thanks for spreading the word, Makéda. We appreciate your support. —Root Insurance Social Media Team

Rated 5 out of 5 stars

so fare so good keep it up

so fare so good keep it up, the good work

24 April 2026
Unprompted review
Root Insurance logo

Reply from Root Insurance

We're happy to hear that, Barbara. Thanks for the 5-star review. —Root Insurance Social Media Team

Rated 1 out of 5 stars

Canceled because I bought a house

Root Insurance markets themselves as “driving‑based,” but that wasn’t my experience. I scored a 9/10 on their test drive, have a 764 credit score, and zero missed payments, yet they canceled my coverage because I recently bought a house and my newest account was “too new.” That’s credit‑based underwriting, no matter how they spin it. If you’re expecting rates based on driving alone, be careful. Their actions don’t match their advertising.

23 April 2026
Unprompted review
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Reply from Root Insurance

Hi, Tabitha. We're sorry to hear you didn't get the decision you hoped for. Thanks for giving Root a try. —Root Insurance Social Media Team

Rated 5 out of 5 stars

A1 experience

A1 experience. Simplicity and clarity all in one!

21 April 2026
Unprompted review
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Reply from Root Insurance

Thanks, Cortland. We appreciate your support. —Root Insurance Social Media Team

Rated 1 out of 5 stars

DON'T FALL FOR IT

They don't give you all the information how it works up front... only after you make your payment do you find out that you have to have your location services ALWAYS on for them or they will give you a worse score and increase your rate without any type of explanation. They also do not let you declare when you are driving or not. They tell you that you only need to have location on for the "Test Drive" or first month of use, which is a lie as the app yells at me every time I open it that I need my location turned on. My driving score of 8/10 (that I can almost prove went down from 10/10 to 8/10 after a bad Uber driver who couldn't brake properly - I took screenshots before and after) resulted in a 25% premium increase... Crazy that they can advertise to you one thing and not really offer it - I wouldn't go near this company again and am in process of getting another policy so I can cancel this trash company

21 April 2026
Unprompted review
Rated 1 out of 5 stars

Theifs I didn't get car because didn't…

Theifs I didn't get car because didn't send card in time and won't give back money matter of fact they just tried to bill me again n won't refund me for car I never even sat in asked to fix Jada the rep said unfortunately we can't a supervisor will reach out never did scam response to response more then a month and dealer called multiple times as did I so like said before scam thiefs if I stole from call it's a crime call steal it's business that's crazy and still try to take money out is crazy!!!!!!!!!!

19 April 2026
Unprompted review
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Reply from Root Insurance

Hi, John. We're sorry to hear about your experience and have shared your feedback with our customer support team for review. —Root Insurance Social Media Team

Rated 1 out of 5 stars

Avoid at all costs

Avoid at all costs. First of all, it's way overpriced, but that's understandable given it's month-by-month insurance. It turns out they’re liars as well.

I just found out my insurance is going up because my perfect driver discount is gone, thanks to the dishonest appraiser at Root. I literally just scratched my headlight and bumper getting out of my garage.

I was advised to go through insurance because the parts for the car were very expensive, so I did. There was not a single mention that this would go on my record, nothing. I just found out through my insurance rep that Root reported it as an accident with me at fault. Ridiculous. Not a single record on my DL for 28years, until I joined ROOT.

3 November 2025
Unprompted review
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Reply from Root Insurance

Hi, K.P. We're sorry to hear about your experience and have shared your feedback with our claims department for review. —Root Insurance Social Media Team

Rated 4 out of 5 stars

Just getting started with the…

Just getting started with the insurance. I know it saved me half of what I was paying.

18 April 2026
Unprompted review
Root Insurance logo

Reply from Root Insurance

Congratulations on your savings, Michael. We're glad you decided to give us a try and we'll be here if you need anything. —Root Insurance Social Media Team

Rated 5 out of 5 stars

The process of obtaining my insurance…

The process of obtaining my insurance was very easy also the price that I had quoted was great it was a enjoyable transaction

16 April 2026
Unprompted review
Root Insurance logo

Reply from Root Insurance

Thanks for your kind words, Marvin! We're glad to hear we could make insurance enjoyable. 😊 —Root Insurance Social Media Team

Rated 5 out of 5 stars

Easy to to do

12 April 2026
Unprompted review
Root Insurance logo

Reply from Root Insurance

We're glad we could make it easy, Jessica. Thanks for leaving a review. —Root Insurance Social Media Team

Rated 5 out of 5 stars

Michelle was a pleasure to speak to!!

Michelle was a pleasure to speak to!!! She made her best effort in answering all my questions with care! Thank you!

11 April 2026
Unprompted review
Root Insurance logo

Reply from Root Insurance

Thanks for your kind words, Leny. We're happy to help and we'll continue to be here if you need anything. —Root Insurance Social Media Team

Rated 1 out of 5 stars

If I could give a zero star review

If I could give a zero star review, I would!!! Do not go through this company. They are very slow at getting anything done for a claim. I had hit a deer on the side of my bumper driving home one night and it literally took them 4 freaking months to get the claim process going. Then at my re-newel month they want to charge me $300 dollars more than what I was paying, due to not being a good driver and because I was at fault for hitting the deer. This isn't the only issue I have had with them, they are terrible at filing proper paperwork. If you are a minute late on your auto payment they cancel you, with no, and's, if's or buts. They give you literally no grace period. Such a waste of time and effort. They are a rip off.

13 April 2026
Unprompted review
Root Insurance logo

Reply from Root Insurance

Hi, Sarah. We're sorry to hear about your accident and we hope everyone is safe. If you need help with a claim, please send your policy and claim numbers to socialmedia@joinroot.com and attach this review for context. That way, we can get this to the right place. —Root Insurance Social Media Team

Rated 1 out of 5 stars

Worst insurance out there I paid for a…

Worst insurance out there I paid for a whole month of insurance to get 14 dollars back and I will not be recommending root to anyone

13 April 2026
Unprompted review
Root Insurance logo

Reply from Root Insurance

Hi, Hailey. We aim to make all aspects of your experience clear and convenient, and we're sorry to hear this wasn't the case. If you have questions about a payment or refund and haven't done so already, you can reach our customer support team at contact@joinroot.com.

Rated 5 out of 5 stars

Fast quote

Fast quote. Quick and direct

10 April 2026
Unprompted review
Root Insurance logo

Reply from Root Insurance

We love hearing that, Tiffany. Thanks for the 5-star review. —Root Insurance Social Media Team

Rated 5 out of 5 stars

Super easy to use

Super easy to use. Loved everything about it.

8 April 2026
Unprompted review
Root Insurance logo

Reply from Root Insurance

Thanks for sharing, Markelle. We're glad to hear we could make insurance easy for you. —Root Insurance Social Media Team

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