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
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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 4 out of 5 stars

Purely online

Purely online

3 August 2026
Unprompted review
Root Insurance logo

Reply from Root Insurance

Thanks for the 4 stars, Giles. We'll be here if you need anything along the way. —Root Insurance Social Media Team

Rated 1 out of 5 stars

Total scam

Total scam. Refused to pay a claim where they are obviously responsible. Cost me thousands.

19 July 2026
Unprompted review
Root Insurance logo

Reply from Root Insurance

Hi, Rob. 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. —Root Insurance Social Media Team

Rated 1 out of 5 stars

I was impressed by the initial rate!

I was impressed by the initial rate as I have added teenage drivers recently. However, after the first month and completion of my app based 'driving test' that gave me a 95% test score, the rate jacked up (not down) by $600 a year. Bait and switch. Good job, but now pay us more. So sick of companies playing this game. Disgusted and gone. Bye Root.

31 July 2026
Unprompted review
Root Insurance logo

Reply from Root Insurance

Hi, William. We understand it can be disappointing to take the test drive and not get the rate you expected. We appreciate you giving Root a try and we'll be here if you need anything. —Root Insurance Social Media Team

Rated 1 out of 5 stars

Worst company dont pay this company any…

Worst company dont pay this company any dime they dont pay nothing when tbey have to

25 February 2026
Unprompted review
Root Insurance logo

Reply from Root Insurance

Hi, Artur. 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

most CORRUPT insurance company in the US

This is the most CORRUPT company in the United States! Do not ever, ever, EVER buy an insurance policy from this company! They are beyond HORRIBLE to deal with! Totally uncommunicative adjusters, two month long delays in processing a claim, impossible to get ahold of adjusters, support representatives, or supervisors! BEWARE ROOT INSURANCE! Tell all of your friends, tell all of your family, tell all of your business colleagues to NEVER use ROOT INSURNACE!!! From beginning to end of our dealing with this company, it has been nothing short of a complete hellish nightmare!!!! The people who work for this company must be totally rock bottom desperate for any job - otherwise they would never work for such a dishonest company! It would be a better job to flip hamburgers at Burger King or scrub toilets at Holiday Inn than to work for this fraudulent, dishonest, disgusting insurance company !!!!! STAY AWAY from ROOT INSURANCE!!!! I write this review for anyone who is looking for car insurance. SAVE yourself the time, money and aggravation of dealing with ROOT INSURANCE - the insurance company from hell !!!!!!

29 July 2026
Unprompted review
Root Insurance logo

Reply from Root Insurance

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

Rated 5 out of 5 stars

Great job on your new project

Great job on your new project

29 July 2026
Unprompted review
Root Insurance logo

Reply from Root Insurance

Thanks for the 5 stars, Ernest. We'll be here to help if you need anything along the way. —Root Insurance Social Media Team

Rated 1 out of 5 stars

Stupid

Stupid! Never like their system and they keeps refusing to void auto pay because I’m preferring to make payments as manual, not auto pay. Auto pay makes me so uncomfortable. Hate Root!!!

27 July 2026
Unprompted review
Root Insurance logo

Reply from Root Insurance

Hi, Tish. Payments are processed automatically each month or every 6 months if you pay for the full term. We aim to make your experience as convenient and clear as possible, so we appreciate your feedback. —Root Insurance Social Media Team

Rated 1 out of 5 stars

I canceled my insurance. And next day $66 was charged to my card

I canceled my insurance one day before my payment was due. Got new insurance and the next day they charged me $66 which was the only money my son and I had until the 1st. My son's food money and money to get my autistic son to his speech therapy that he so greatly needs. Me my myself is disabled and can't just go make extra money whenever I need it. This is a fraudulent company preying on disabled people and probably the elderly because they most likely get away it 99% of the time because disabled and elderly people can't afford to fight for them selves

21 July 2026
Unprompted review
Root Insurance logo

Reply from Root Insurance

Hi, Jason. 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 2 out of 5 stars

First quote was 79 per month then magically was 85

First quote was 79 per month the when I did accept this quote become almost 85, not good at all

23 July 2026
Unprompted review
Root Insurance logo

Reply from Root Insurance

We're sorry to hear of any disappointment with your quote. Thanks for giving Root a try. —Root Insurance Social Media Team

Rated 1 out of 5 stars

Root insurance is the absolute WORST…

Root insurance is the absolute WORST insurance company I’ve ever had to do business with. I’d give them a negative 5 stars if it allowed me to do so. I know their job is to pay out the least possible…but they do FAR more than that. They are the most inconsiderate & disrespectful company I’ve ever had to do business with. They wait til the deadline date to do anything, they do NOT reimburse for anything I had to pay out of pocket even though it was Roots client who TOTALED my car. Just a heads up to anyone who’s involved in a accident and they have Root insurance, be ready for the WORST experience of your life

18 June 2026
Unprompted review
Root Insurance logo

Reply from Root Insurance

Hi, Will. 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

were easy to deal with

were easy to deal with. no pressure

18 July 2026
Unprompted review
Root Insurance logo

Reply from Root Insurance

We're happy to help, Mrs. Pat. Thanks for leaving a review. —Root Insurance Social Media Team

Rated 1 out of 5 stars

Non-existent customer service-negative 10 star review!

Root insurance company is the absolute bottom of the barrel! DO NOT PURCHASE car insurance from this HORRIBLE company! They tell you that you have complete coverage, but when you need to have a claim covered, they just deny it without doing any due diligence, they do not act in good faith, and they do not even inspect vehicles! You would have to be a BRAIN DEAD ZOMBIE on acid to buy insurance from this company! I write this review as a warning to stay far, far, away from Root Insurance! You could get better auto insurance in Cambodia!!!!! The adjuster,, never answered our over two dozen phone calls and emails, nor did she answer emails or phone calls from the car repair service advisor - a crackhead would do a better job as an insurance adjuster! When I FINALLY got a supervisor to call me back after our claim was denied for a BS reason, all the birdbrained supervisor did was talk over me and lie and lie and lie regarding the denial of my claim! You could go to a meth clinic or pull bodies out of the gutter and find better and smarter employees than they have at Root Insurance! ROOT IS THE ABSOLUTE WORST insurance company in the USA! DO NOT USE THIS COMPANY!!!!!!! I would leave a NEGATIVE 10 star review if I could!

25 July 2026
Unprompted review
Root Insurance logo

Reply from Root Insurance

Please know that we've shared your feedback with our claims department for review. —Root Insurance Social Media Team

Rated 1 out of 5 stars

Poor experience overall..

Cancelled without any additional information or explanation. When I sought coverage, I was not clearly informed about the rental coverage restrictions, which ultimately left me responsible for damages to a loaner vehicle. This was extremely disappointing and could have been avoided with better communication. Based on my experience, I would not recommend this company.

1 June 2026
Unprompted review
Root Insurance logo

Reply from Root Insurance

Hi, Kortney. We're sorry to hear about your experience. If you need help with a Root claim, please send your claim number 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

Absolutely horrible company

Absolutely horrible company. My daughter got into a car accident on 29 May and as of 7/15 NOTHING! No communication at all from the adjuster, no check nothing !
Do not bother trying to rent a car. Rental companies do not work well with Root and will add security deposit. It has happened to me twice.
Good luck cancelling or making changes to your policy. Cant do anything online and they do not return phone calls-ever.

You can share my review with whomever you wish. No one will ever respond!

25 May 2026
Unprompted review
Root Insurance logo

Reply from Root Insurance

Hi, Daniel. We're sorry to hear about the accident and we hope everyone is safe. We've shared your review with our claims department. —Root Insurance Social Media Team

Rated 5 out of 5 stars

The price is awesome

The price is awesome. It is over half of what I wa paying before.

9 July 2026
Unprompted review
Root Insurance logo

Reply from Root Insurance

Thanks for sharing, Seth! We're happy to help you save. —Root Insurance Social Media Team

Rated 1 out of 5 stars

An "accident" happened for me in April…

An "accident" happened for me in April this year and I talked to the claims adjuster 1 time between then and now and somehow they have closed the claim with the other party and I have heard absolutely nothing about it. The claim adjuster NEVER returns calls there's never a supervisor available to review the claim with either. Save yourself and don't use a online only company like this.

10 July 2026
Unprompted review
Root Insurance logo

Reply from Root Insurance

Hi, Trai. Please know we've shared your feedback with our claims department for review. —Root Insurance Social Media Team

Rated 1 out of 5 stars

Very awful experience with Root.

Very awful experience with Root.
I’ve had Root for a few months & when a recent unfortunate car accident totaled the car that I’m financing, Root claims that I applied only for liability. When I first joined Root, it was solely because they were the only insurance I was able to find that was willing to give my car full coverage due to such high theft rates with my specific car make/model. During not only a very traumatic time, both emotionally and financially, Root let me down completely.
Everyone knows that legally, financed cars need to be on full coverage. For Root to claim that I did not choose full coverage is beyond unacceptable and it unsurprisingly adds to the very poor stigma about car insurance companies pretty much being a scam.

7 July 2026
Unprompted review
Root Insurance logo

Reply from Root Insurance

We're sorry to hear about the accident and we hope everyone is safe. Please know we've shared your feedback with our claims department for review. —Root Insurance Social Media Team

Rated 5 out of 5 stars

Great price

Great price

7 July 2026
Unprompted review
Root Insurance logo

Reply from Root Insurance

We're glad you're happy with your rate, Wanda. Thanks for the 5 stars. —Root Insurance Social Media Team

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