Is Root Insurance A Scam?

Root Insurance is a car insurance company that offers rates based on your driving habits. The company uses a mobile app to track your driving, and if you meet certain criteria, you could save up to 52% on your car insurance. But is Root Insurance a scam? In this post, we’ll take a look at the company, how it works, and what people are saying about it. We’ll also give you our verdict on whether or not we think Root Insurance is a scam.

What is Root Insurance?

Root Insurance is a car insurance company that uses technology to price insurance based on how you drive. The company was founded in 2015 and is headquartered in Columbus, Ohio. Root Insurance is available in 19 states and Washington, D.C. The company has raised $151 million in venture capital funding.

How does Root Insurance work?

Root Insurance is a mobile app-based car insurance provider that uses technology to rate drivers’ risk. Root claims that they can save customers up to 52% on their car insurance by only insuring good drivers. How does it work?

When you download and open the Root app, you’ll be asked to enable location services so that Root can track your driving. You’ll then take a short test drive with the app open to verify your driving skills. Once you’re approved, you’ll start paying for your insurance through the app.

Root says that they use data from your phone to determine how well you drive, which influences your rates. The better you drive, the lower your rates will be. If you have an at-fault accident or moving violation, your rates will go up.

Pros and cons of Root Insurance

Root Insurance is a car insurance company that uses technology to price its policies. The company is headquartered in Columbus, Ohio and was founded in 2015. The company has been praised for its use of technology to price its policies fairly. However, some have criticized the company for its lack of transparency and for not being upfront about its pricing.

Is Root Insurance a scam?

There are a lot of people asking if Root Insurance is a scam. The simple answer is no, but there are some things to be aware of before signing up for a policy.

First, it’s important to understand how Root works. Unlike traditional insurers, Root only offers policies to drivers who they believe are low-risk. To do this, they use data from your smartphone to track your driving habits. This means that you need to have the Root app installed and running on your phone in order for them to offer you a policy.

Second, because Root only offers policies to low-risk drivers, their rates are generally much lower than traditional insurers. However, this also means that their coverage is not as comprehensive. So if you’re looking for full coverage, Root is probably not the right insurer for you.

Third, Root is not available in all states yet. They are currently only available in Ohio, Oklahoma, Oregon, Maryland, Delaware, and Pennsylvania. So if you live in one of those states, you’ll be able to get a policy from Root. If you don’t live in one of those states, you’ll need to wait until they expand their coverage area.

Alternatives to Root Insurance

If you’re not sure about Root Insurance, there are a few alternatives worth considering. First, consider your needs. If you live in an area with high premiums, you may want to look into options like USAA or GEICO. Both of these companies offer discounts for military personnel and their families. If you’re looking for something a little different, Progressive might be a good option. They offer discounts for things like safe driving and bundling policies.


After reading this article, you may be wondering if Root Insurance is a scam. While there are some people who have had negative experiences with the company, we believe that they are generally a reputable and reliable insurer. Overall, we think that Root Insurance is worth considering if you’re looking for an affordable and customizable car insurance policy.