If you only check out one page on my Root car insurance blog, this is the one to see. Lots of people are apprehensive about Root, wondering if Root is legit and if quotes from Root are as good as Root says they are. The advertising says you can save up to 50% by switching to Root, which is a pretty tall order. I wasn’t sure at first either, but when I read about Root, I decided I had to see for myself.
Throughout this blog, I’ve captured my experiences using the Root car insurance app as well as Allstate Drivewise. I put the two in a head-to-head challenge… mostly because I’m a nerd who likes data, but also because I’m a single mom who really needs to save money anywhere I can. I thought Root might do that for me, but it’s also a “new” thing on the market, which makes a lot of people suspicious about whether it’s legit or not. So, I ran my challenge. I will do other comparisons in the future, but I think the most pressing questions are answered here.
Does Root Offer the Same Coverage as Allstate?
Sort of. As you’ll see in my chart below, there are minor differences, but when there are, Root comes out on top. For example, Rental car coverage is a little cheaper with Root, plus you can get Lyft credits instead of a rental car. The Allstate towing coverage cuts you off at $50 per incident, while Root gives you up to $100. Aside from that, the policy I picked via Root is seemingly identical to what I had with Allstate.
It’s also worth noting that Root is more like a “marketplace.” You can customize any of the coverage levels and they let you see exactly how much more or less you’ll pay. It’s all done via the app and very transparent. So, if I wanted more or less coverage than I had previously, it would be easy for me to set up. Try doing that wit Allstate?!? Umm… I’m guessing that would require a lengthy call with a rep and would be much less transparent. Can you imagine that call? Asking for each of the various price points individually? What a mess.
Policy-By-Policy Coverage Comparison: Allstate vs Root
Screenshots of Allstate and Root Policies
Got Something to Say or Want to Try Root?
I’d love to hear your experiences too. You can either comment on this page or click “Share Your Story” at the top if you have a blog-worthy narrative. If you’ve decided you want to download the Root car insurance app and do your own test drive, use the link here and they’ll give us both $25 after you qualify for a quote.