Root vs. GEICO

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Root Insurance or GEICO:
Which insurance company is best for you?

Are you a tech-savvy city-dweller who relies on your car for occasional errands instead of daily commutes? Root Car Insurance could be the company for you. This relatively new usage-based insurance company uses real-time driving behavior tracking technology — via its mobile app — to assign premiums, rather than relying on typical insurance rating factors (like larger companies such as GEICO). GEICO, on the other hand, is among the nation's largest and most trusted insurance companies. GEICO is available in every US state and currently insures 27 million vehicles. If you're interested in weighing the merits of Root's start-up insurance services against a more established option, take a look at our in-depth comparison below.

Discount ComparisonRoot InsuranceGEICO
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
Telematics
New Vehicle
Annual Mileage
Military
Ratings ComparisonRoot InsuranceGEICO
Financial Strength GoodSuperior
JD Power Rankings Not Rated
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
User Satisfaction

A

N/A

Other ProductsRoot InsuranceGEICO
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesRoot InsuranceGEICO
AboutRoot Car Insurance offers "car insurance for the way you drive." Its usage-based pricing model uses data gathered via telematics devices to price premiums based on mileage and driving habits, rather then demographic information.GEICO uses a direct-to-consumer sales model rather than relying on independent agents to provide exceptional service and superior coverage to their valued customers.
Roadside AssistanceRoot Car Insurance offers roadside assistance with every policy.You can use a mobile app to request service from GEICO's Emergency Roadside Service, which will assist you if you need a tow, are locked out of your car, run out of gas, have a dead battery or flat tire.
Additional DiscountsRoot Car Insurance provides usage-based discounts based on driving behavior and mileage.GEICO offers an additional discount for vehicles with daytime running lights as well as discounts for federal employees. Moreover, the company offers the policy feature of accident forgiveness.
Recent QuestionsI made two claims last year. Should I file a third?
If you're filing a claim to fix the damages caused to the fence, you should go ahead and get your vehicle fixed as well; events that go on your insurance history will mark all the payouts as coming from the same claim. However, having three recent claims will likely result in your rate increasing, so consider shopping around for cheaper insurance elsewhere.
Will comprehensive insurance cover damages caused by road debris?
Sorry to hear about your accident. If you have comprehensive, it should cover any damages caused by debris.
Which insurance companies will insure a driver without a license?
You may check with Geico to see if they will take an unlicensed driver. However, in my experience, they will not.
Should I stay with my car insurance company even if I'm getting a better quote from elsewhere?
It's possible that your agent is simply trying to keep your business. However, he may actually be correct.
See More Questions
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