How Much Does Root Car Insurance Cost?

Choosing a car insurance provider can be challenging. If you're considering Root, reviewing its rates will help determine if it's the right fit for your needs. However, we recommend collecting quotes from several providers to ensure you're getting the best value when looking to save money on your car insurance.

Root car insurance pricing per month

Root charges an average of $159 per month for a full-coverage car insurance policy. Drivers who choose minimum liability-only coverage pay an average of $93.

Keep in mind these are average rates. Your personal rate will depend on factors like age, location, credit score, and driving history. While your actual Root rate may be different, these averages provide a useful benchmark when shopping around.

	Root average monthly cost	National average monthly cost
Full coverage	$159	$186
Liability-only	$93	$104

Root's rates versus other car insurance providers

Each company evaluates risk and applies discounts differently, which can lead to pricing variations. Comparing quotes will show you how Root's rates match up for your particular circumstances.

Provider	Average monthly full coverage cost	Average monthly liability-only cost
State Farm	$114	$59
Progressive	$182	$106
GEICO	$148	$95
Allstate	$148	$79
USAA	$105	$56
Root	$159	$93

Root's rates by age

Root, like most insurers, relies heavily on age when setting prices. Car insurance for teen drivers carries the highest cost, with full-coverage premiums averaging $263 per month.

Rates typically decline as you move into your 20s, with Root averaging $184. The downward trend continues through your 30s at an average of $157 and into your 40s at $160.

Some of the most affordable rates go to drivers in their 50s, 60s, and 70s who pay around $149, $130, and $129, repesctively, per month on average.

These patterns show how insurers view risk across different life stages.

Age group	Root average monthly full coverage cost	National average monthly cost
Teens	$263	$360
20s	$184	$242
30s	$157	$199
40s	$160	$191
50s	$149	$177
60s	$130	$159
70s	$129	$162

Root's rates for high-risk drivers

A history of traffic violations or accidents will likely push your average Root car insurance rate higher. High-risk drivers with a speeding ticket pay about $222 per month on average. Those with an at-fault accident face monthly rates near $207.

DUI convictions result in particularly high costs, with monthly premiums averaging around $234. Your actual rate will vary based on when the incident occurred and other individual factors, but these numbers reflect typical high-risk driver pricing.

Driving record	Root average monthly full coverage cost	National average monthly cost
Accident	$207	$249
Speeding ticket	$222	$241
DUI	$234	$275

How does your credit score affect your rate with Root?

Your credit score factors into insurance rate calculations in all but four states. The exceptions are California, Hawaii, Massachusetts, and Michigan.

Where credit matters, Root adjusts pricing according to your credit tier. Excellent credit holders pay about $138 per month on average. Good credit brings slightly higher costs around $153.

Monthly premiums for average credit run near $157, while poor credit drivers typically pay around $194 per month.

These figures demonstrate credit's impact on your monthly premium, though your final rate will also reflect other personal circumstances.

Credit score	Root average monthly cost of full coverage	National average monthly cost
Excellent	$138	$164
Good	$153	$179
Average	$157	$194
Poor	$194	$228

FAQs

How does Root's test drive period determine my car insurance rate?

Root uses the mobile app to track your driving behavior during an initial test-drive period of several weeks, monitoring factors like smooth braking, gentle turning, focused driving, and safe hours of operation. This driving score becomes the main determinant of your insurance rate, with demographic factors like age and ZIP code playing only a secondary role compared to traditional insurers. If you demonstrate safe driving habits during this period, you could receive lower premiums, though Root might decline coverage altogether if your driving behaviors suggest you're a high-risk driver.

Does Root Insurance adjust my rates after I purchase a policy?

Unlike traditional insurers that lock in renewal rates, Root continues to track your driving through its mobile app even after you purchase a policy. As a result, your premium may change based on your ongoing driving behavior. If your driving patterns indicate higher risk, rates could increase during the policy term, while safer driving may lead to lower rates in the future.

Can high-risk drivers with DUIs or accidents still get coverage through Root?

Root does offer SR-22 insurance for high-risk drivers who need to file proof of insurance with their state, and drivers with DUIs or accidents on their record might qualify if they demonstrate safe driving during the test-drive period. While these drivers will typically pay higher premiums than those with clean records, Root's behavior-based pricing model means a driver with past violations could potentially secure rates lower than traditional carriers if their current driving habits prove to be safe and responsible.

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Bottom line

Should you choose Root as your car insurance company? Getting quotes from Root and competing insurers is the most reliable way to compare price and service quality.

Data throughout provided by Insurify.

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