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Root Insurance makes a promise most other companies don’t: auto insurance rates based primarily on how you drive. To get an auto insurance quote from Root, you first take a “Test Drive,” where you let the company’s app track your driving behavior for a few weeks. The better your driving, the better the quote.

You may especially benefit from this type of pricing if you’re a safe driver but have high car insurance rates, which is usually the case for teens and young adults.

Drivers with poor credit may also want to consider Root, as the company has promised to eliminate credit scores from its pricing model by 2025. As it stands now, most insurance companies use credit-based pricing. Only California, Hawaii, Massachusetts, Michigan and Washington ban insurers from the practice. 

But while Root may offer you low rates for acing its Test Drive, know that the company has a high number of complaints compared with many other insurers.

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How Root auto insurance works
Most companies rely heavily on your demographic information, credit and driving history to set rates. Root does, too, but it factors in that data to a lesser extent so that more of your quote is based on how you drive during your two- to three-week Test Drive.

Here’s how it works:

Sign up for a Test Drive. You can either begin from Root’s website or download the app and opt in to the quote process.

Allow Root to track your driving behavior to get a personalized quote. You’ll have to allow the app access to your phone’s GPS to measure driving behaviors, including hard braking, turn speed, miles driven, driving routes and what time of day you drive. Root claims that the app can tell whether you’re a passenger through machine learning, so you shouldn’t get penalized for the behavior of another driver while you’re riding in their car.

Receive a quote, if Root decides to cover you. After monitoring is up, Root will either send you a quote or decline to cover you. The company is upfront that many drivers are refused a quote, saying on its site it covers only “good” drivers. By eliminating risky drivers from its customer base, Root can charge lower premiums overall.

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Root auto insurance coverage 
When you're shopping for car insurance coverage, it's important to understand what car insurance coverage you want and what you’re required to buy. For instance, most states require a minimum amount of car insurance to drive a vehicle. Alternatively, if you want extra protection, you may be interested in full coverage insurance. Read about the most common types of car insurance coverage to see how they work.

Root offers standard types of coverage, as well as:

Roadside assistance, included in Root policies at no additional charge. While most insurers offer roadside assistance for a monthly or per-use fee, Root covers up to three incidents per six-month policy term, up to $100 per incident.

Rideshare option for rental coverage. Most auto insurers offer rental reimbursement coverage, which pays for a rental while your car is in the shop due to a covered wreck. Root has the same coverage but is a little more flexible, allowing customers to instead be reimbursed for rides from Lyft. With each claim, the option is the customer’s, but Root says it can help you decide.

SR-22 availability. You can get an SR-22 form, a certificate you file with your state that proves coverage, from Root Insurance. Like most interactions with the insurer, you do this through the app.

» MORE: Compare car insurance rates