How Much Is Root Insurance Auto Insurance Per Month?

With Root, auto insurance coverage rates vary and depend mainly on how well you drive. To find out how much your rate will be you will have to take Root's two to four-week driving test. Start by downloading and installing Roots mobile app, which uses smart machine-learning algorithms to monitor and analyze your driving patterns.

Root Insurance Gives Good Drivers Cheap Rates

Drivers can get an auto insurance quote after completing the Root driving test. After downloading and installing the app, create an account and enable GPS.

Your driving will be tracked for two to four weeks focusing on the following factors:

• Phone usage
• How fast you drive
• Your turning habits
• Your braking habits
• Driving during safe hours

After testing is complete Root will either offer you a plan or reject you for being a risky driver. If you are accepted, you will receive a quote for auto insurance coverage.

What the App Can Monitor

• If you are talking on the phone or texting while driving. Note: Do not let anyone use your phone while you are driving during the test period. The app can't tell who is using the phone so it will automatically assume it's you.
• Whether you are in the driver's or the passenger's seat so it knows when you are driving and won't grade you for the way someone else drives.
• If you are riding the subway or a bike, are on a plane or in a bus so you won't have to worry about it factoring trips like this into your test drive score.
• When you drive, where you drive, and how far you go. Keep in mind that the longer and further you drive, the more you are risking having an accident.
• How fast you are going, how hard or soft you hit your brakes, how fast or how sharp you make turns, whether you are driving smoothly or swaying all over the road, and more.

To find out how you scored on the Root driving test, check the app.

Other Perks You Get With Coverage

All policyholders with Root get free roadside assistance that helps with flat tires, towing, and more. Another benefit you get from joining Root is you can request that Root cancel your old policy right from the Root mobile app so you won't have to do it yourself.

In addition, Root allows you to add more drivers to your policy right from the app as well. While other drivers don't have to take the driving test, Root suggests they do, especially if they want to reduce their monthly premiums. Without taking the test, Root has no way of knowing whether or not they are a safe driver and therefore will use location and demographic data to determine their rates.

If you would like to speak to a Root claims expert, click here.