we believe car insurance should be fair

Our mission at Root is to unbreak the car insurance industry one policy at a time. car insurance
As a company, we put a lot of thought and focus into what it means to offer fair auto insurance, whether we’re talking fair plans, fair pricing, or fairer risk assessment.

A lot of traditional car insurance companies base your rate on factors that have nothing to do with your driving—from where you live to your credit score, marital status, and age. That doesn’t seem fair.

And although Root takes these factors into consideration when pricing your insurance—we use several standard factors that are mathematically predictive of risk—we look first and foremost at how you actually drive, using your test drive through the Root app.

That’s because your driving habits are the most fair and reliable indicator of whether you’re a good driver, and therefore, a good risk. Do you tailgate other drivers, or text and drive? If you’re unsafe behind the wheel, that matters to us. Taking the Root test drive is easy; changing your demographics is not.