Root vs. Allstate

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Root Insurance or Allstate:
Which carrier is best for you?


Thinking about making the move from Allstate to the usage-based auto insurance model with Root Car Insurance? Before taking the plunge, you should go beyond the premiums and take note of some key differences between Root and Allstate.

Allstate is among America's most prominent auto insurance carriers. Allstate has been in business since 1931, providing an array of discounts and value-adds. Based in Illinois, Allstate provides policies that come with the backing of an excellent A.M. Best financial strength rating, a Good rating from Moody's, and an A+ customer satisfaction grade from the Better Business Bureau. 

Root Car Insurance is a leader in the relatively young InsurTech space. The company sells "car insurance for the way you drive," setting its policy rates based on feedback from a smartphone app that monitors your habits behind the wheel. Root's model nixes traditional rating factors like age, gender, and credit history, using more objective factors such as driving speed, mileage, and braking patterns. Root isn't yet available in every state, but is expanding its reach by the month. 

In addition to its traditional auto insurance policies, Allstate provides Drivewise, a usage-based policy option. Allstate Drivewise bases your rates on your driving behavior. 

Discount ComparisonRoot InsuranceAllstate
Good Student
Multiple Policies
Multiple Vehicles
Anti-Theft Device(s)
Anti-Lock Brake System
Air Bags
Good Driver
Defensive Driver
Student Away at School
Driver Training
Green Vehicles
Affinity Membership Alum
Advanced Purchase
Pay in Full
Home Owner
eSign or ePay
New Vehicle
Annual Mileage
Ratings ComparisonRoot InsuranceAllstate
Financial Strength N/AExcellent
JD Power Rankings N/AAverage
User Satisfaction N/AN/A
Other ProductsRoot InsuranceAllstate
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesRoot InsuranceAllstate
Roadside Assistance
Additional DiscountsRoot Car Insurance provides usage-based discounts based on driving behavior and mileage.Allstate offers additional discounts for utility vehicles, farm vehicles, seniors, and the newly retired.
Recent QuestionsCan you make your child a permissive user in order to get a discount?
You are not required to make your son a permissive user, so that seems off. You may want to get in touch with Allstate's customer service or your agent.
Do I have to list my spouse as a driver?
You do have to list your spouse on the policy but many companies will allow you to exclude your spouse as a driver. Keep in mind that unless your spouse has a poor driving history, bad credit, or an expensive car, it's usually a sensible decision to add them since most insurance companies offer a discount on a joint policy.
Car insurance for elderly car owner who doesn't drive
There's a couple of ways to go about handling this. First, you need to be careful about your mother's registration.
Can a claim be denied if I have scheduled personal property coverage for a home where I'm no longer living?
The issue might be that the policy covering your wife's ring was intended to provide coverage for your primary residence. Most standard homeowners policies require that you actually live full-time in the house for which the policy applies.
See More Questions
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