Root Insurance (joinroot.com) has a 2.9 out of 5 rating on OK.one, based on 102 user reviews collected here. It is listed under Money & Insurance and its reputation is poor. Opinions are polarized: 49% rate it 4 stars or higher while 49% give 1 star; The business has replied to 94% of negative reviews. Last updated 2026-08-10.
What people say
F
Forand · 3 reviews · Experienced 2026-04-16 ·
★★★★★
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!
Reply from Root Insurance2026-05-05
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 [email protected] and attach this review for context. That way, we can get this to the right place. —Root Insurance Social Media Team
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Brian Johnson · 2 reviews · Experienced 2026-04-28 ·
★★★★★
Experience was awesome and fast
Experience was awesome and fast, convenient Root. I appreciate the service.
Reply from Root Insurance2026-05-01
Thanks for your kind words, Brian. We'll be here to help if you need anything along the way. —Root Insurance Social Media Team
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Jana · 1 review · Experienced 2026-04-28 ·
★★★★★
Charging me$150 for a one day late fee…
Charging me$150 for a one day late fee lol! Crazy work
Reply from Root Insurance2026-05-05
Hi, Jana. We'd like to look into this. If you have questions about your specific situation, please reach our customer support team at [email protected]. —Root Insurance Social Media Team
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.
Reply from Root Insurance2026-04-29
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
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.
Reply from Root Insurance2026-04-23
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
We love hearing that, Fredith. Thanks for the 5-star review. —Root Insurance Social Media Team
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Tyler · 2 reviews · Experienced 2026-04-21 ·
★★★★★
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
J
John nieves · 2 reviews · Experienced 2026-04-19 ·
★★★★★
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!!!!!!!!!!
Reply from Root Insurance2026-04-22
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
K
K.P. · 3 reviews · Experienced 2025-11-03 ·
★★★★★
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.
Reply from Root Insurance2026-04-22
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
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Michael Kindall · 3 reviews · Experienced 2026-04-18 ·
★★★★★
Just getting started with the…
Just getting started with the insurance. I know it saved me half of what I was paying.
Reply from Root Insurance2026-04-22
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
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Marvin Eure · 1 review · Experienced 2026-04-16 ·
★★★★★
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
Reply from Root Insurance2026-04-18
Thanks for your kind words, Marvin! We're glad to hear we could make insurance enjoyable. 😊 —Root Insurance Social Media Team
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Jessica · 1 review · Experienced 2026-04-12 ·
★★★★★
Easy to to do
Reply from Root Insurance2026-04-18
We're glad we could make it easy, Jessica. Thanks for leaving a review. —Root Insurance Social Media Team
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Leny Madrid · 1 review · Experienced 2026-04-11 ·
★★★★★
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!
Reply from Root Insurance2026-04-18
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
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Sarah P · 4 reviews · Experienced 2026-04-13 ·
★★★★★
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.
Reply from Root Insurance2026-04-18
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 [email protected] and attach this review for context. That way, we can get this to the right place. —Root Insurance Social Media Team
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
Reply from Root Insurance2026-04-14
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 [email protected].
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Markelle Johnson · 1 review · Experienced 2026-04-08 ·
★★★★★
Super easy to use
Super easy to use. Loved everything about it.
Reply from Root Insurance2026-04-14
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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Anjalie . · 1 review · Experienced 2026-04-09 ·
★★★★★
Amazing thank you so much for helping…
Amazing thank you so much for helping me with what I needed.
Reply from Root Insurance2026-04-14
We're happy to help you, Anjalie. Thanks for the 5-star review. —Root Insurance Social Media Team