Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.

Root or GEICO: Which company is best for you?

Root and GEICO both offer car and home insurance but have different approaches in pricing — GEICO is the more traditional option while Root is more tech-forward with its app-based model. Depending on who you are as a driver or homeowner, one insurer may be better than the other.

Read on to learn more about these companies and decide which one is right for you.

Root car insurance

100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon

3 Rating from The Zebra

Root was among the early adopters of telematics technology, which helps to assign insurance rates based on driving habits instead of traditional rating factors. In fact, the company aims to discontinue using credit scores — a practice it calls "discriminatory" — by the year 2025. Root car insurance could be a solid option for those with a clean driving history or those who drive limited mileage. 

Pros Cons
  • Fast-growing geographic availability
  • Potentially low rates for low-mileage and/or safe drivers
  • Few customer complaints, considering its size
  • Lacks the brand recognition of some more traditional insurers
  • Higher-than-average customer complaint ratio (NAIC)                                     
Learn more

GEICO car insurance

100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon

5 Rating from The Zebra

GEICO has the second-largest share of the auto insurance market and is one of the most recognizable carriers in the country. The company generally receives good customer satisfaction ratings. Furthermore, GEICO is known for having some of the most affordable rates among major carriers.

Pros Cons
  • Affordable rates for most
  • Wide-ranging coverage options
  • Great customer satisfaction scores
  • Lack of local agents                                          
Learn more

Which company comes out on top?

Tie


These companies cater to different customer bases, so we're calling this a tie; GEICO may be the better option for drivers who commute regularly and value coverage options and discounts, while Root's pricing strategy could appeal to people looking to save because they don't drive often.

Compare rates and start saving today!

or
Location pin icon
glyph-shield-checkmark No junk mail. No spam calls. Free quotes.

Ratings comparison: Root vs. GEICO

Unbiased third-party publications evaluate insurance companies, measuring claims satisfaction, the number of customer complaints and other factors. We've gathered some of these ratings to provide perspective on the two companies' customer satisfaction standards, complaint ratios and financial stability.

Root vs. GEICO
Ratings comparison Root GEICO
Financial strength (A.M. Best) Not Rated Superior
JD Power (claims satisfaction) Not Rated Average
JD Power (customer satisfaction) Not Rated Average
NAIC rating Below Average Average
The Zebra's editorial review score 3/5 5/5
The Zebra's Customer Satisfaction Survey Not Rated 4.4/5

Which company scores best?

GEICO


GEICO was evaluated by more organizations than was Root, earning positive assessments for financial security, customer service, claims satisfaction and record of customer complaints. It also scored a strong 4.4 out of 5 in The Zebra's in-depth customer satisfaction survey. Additionally, The Zebra's editorial reviews — taking into account myriad factors — placed GEICO above Root.

The Zebra Customer Satisfaction Survey methodology

Findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2021.


Root vs. GEICO: discount comparison

Car insurance discounts tend to be quite small but can add up. GEICO generally offers more discount opportunities than Root. See below for a comparison of the companies' discount options for car insurance.

Root vs. GEICO: discount comparison
Discount comparison Root GEICO
Good student
Multiple policies
Anti-theft device(s)
Good driver
Defensive driver
Affinity membership alum
eSign or ePay
Telematics
Annual Mileage

Telematics options: Root vs. GEICO

Each of these companies stands as a solid option for drivers interested in usage-based insurance. Telematics sits at the heart of Root's product, powering its entire pricing strategy. GEICO's DriveEasy, like Root, prices premiums based on an app that evaluates how you drive.

root logo
Root Insurance

Root is one of the most prominent telematics-first insurance companies. Root uses its telematics app to gather information and calculate premiums for its customers. Rates are then set based on the insured's driving habits and frequency, rather than solely on demographic and historical information like past driving record or credit history.

GEICO logo
GEICO DriveEasy

GEICO DriveEasy Pro is an app that tracks your driving habits to better assess your level of risk. For safe drivers, this can sometimes result in cheaper rates. Currently, the app is rated on app stores at 3.5 out of 5 stars (both Google Play and the Apple Store).

Zebra Tip: Turn to Root for telematics


Root's intuitive app and usage-based pricing model places it at the forefront of insurance technology. 


Roadside assistance: Root vs. GEICO

Find below summaries of the roadside assistance offerings available from Root and GEICO.

Root

Every Root policy includes roadside assistance, helping drivers in the event of car trouble. One of the few extra coverages available from Root is rental car coverage. If you purchase this coverage, Root will reimburse costs up to a specific amount for a rental car until your vehicle is fixed or replaced after a collision. Root also reimburses its customers for rides through Lyft

 

GEICO

GEICO's roadside assistance offers the following:

  • Towing
  • Jump starts
  • Tire changes (when you have a spare)
  • Up to $100 for lockout services
  • Fuel delivery
  • Winching for stuck vehicles (depending on severity)
tow truck

Root vs. GEICO: home insurance

Something Root and GEICO have in common is that these insurers offer homeowners insurance through partner companies instead of under their own banners, and it can be bundled with car insurance. Consult our comparison below to find out which company might be the best fit for you and your home.

Root homeowners insurance review

100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon

3 Rating from The Zebra

Root partners with Homesite to allow existing auto insurance customers to bundle homeowners insurance. Root home insurance is not available as a standalone insurance policy — a customer must be enrolled in Root's car insurance program to be eligible and could receive a 10% discount by bundling.

Though the company is seen as financially stable, it receives more customer complaints than average. Customers looking for top-notch customer satisfaction may do well to look into a policy with a more established insurance provider. In addition, Root homeowners insurance quotes can only be found via the company's mobile app, not its website.

 

  • Customer satisfaction (J.D. Power) — Not rated: Root’s home insurance partner, Homesite, is currently unrated by J.D. Power.
  • Claims satisfaction (J.D. Power) — Not rated
  • Financial strength — Excellent: Homesite’s financial outlook is considered stable by AM Best.
  • NAIC Rating — Above average: Homesite received more customer complaints than average, according to the National Association of Insurance Commissioners (NAIC).
Learn more

GEICO homeowners review

100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon

4 Rating from The Zebra

While not as significant a portion of its business as car insurance, GEICO's homeowners coverage remains an important part of the company's product offerings. GEICO partners with many insurance providers throughout the nation to provide home insurance. Despite this, customer service scores and third-party ratings remain high.

  • The Zebra Customer Satisfaction Survey – 4.4/5: GEICO's home insurance coverage earned a relatively high score in The Zebra's 2021 customer satisfaction survey.
  • Claims satisfaction (J.D. Power) – Not rated 
  • Customer satisfaction (J.D. Power) – Not rated 
  • Financial strength (AM Best) – Superior: GEICO received an 'A' rating from AM Best, underlining its solid financial standing. 
  • NAIC Rating – Excellent: The National Association of Insurance Commissioners (NAIC) received fewer customer complaints than average regarding GEICO homeowners insurance in 2020.
Learn more

Which company comes out on top?

GEICO


GEICO is much more established compared to Root, although both have positive ratings for homeowners insurance. However, if you're already a Root car insurance customer, Root home insurance may be a good option, especially with the 10% bundling discount.


Root vs. GEICO: homeowners discount comparison

GEICO and Root both offer home insurance discounts for customers. Compare these discounts below.

ROOT VS. GEICO: HOMEOWNERS DISCOUNT COMPARISON
Discount comparison Root GEICO
Claims free
Recent home buyer
Multi-policy
Early signing
Newer/more durable roof
Protective devices (smoke/burglar alarms, etc.)
New home construction

Zebra tip: Check out Root if you are seeking home insurance discounts


Root has more discount opportunities than GEICO for homeowners insurance. Be sure to do your due diligence to ensure you qualify for as many of these discounts as possible when signing your contract.


Other insurance products and bundling options

Root and GEICO offer a variety of insurance products, along with the option to bundle policies for extra savings. Compare product offerings from the two carriers below.

GEICO vs. Root: other insurance products
Other products Root GEICO
Boat insurance
Condo insurance
Life insurance
Homeowners insurance
Travel trailer insurance
Renters insurance
RV insurance
Motorcycle insurance
Mobile home insurance
Umbrella
ATV insurance
Pet insurance
Commercial insurance

Find the best insurance policy for your needs.

or
Location pin icon
glyph-shield-checkmark No junk mail. No spam calls. Free quotes.

RECENT QUESTIONS

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.
Nov 24, 2019 Charleston, SC

Insurance increase due to increased cost of parts and labor?

There's a couple of things to look at here. First, parts and labor for BMWs are typically higher than other vehicles and are considered more expensive in general to maintain.
Jan 28, 2018 Memphis, Tennessee

Why is my insurance company denying my claim

Since your friend was driving your car for an extended period of time, they would need to be listed as a driver on the policy. If they are not listed on the policy and something happens, the claim can be denied for not listing all drivers of the car.
Sep 8, 2018 Bedford, MA

If I paid to have a window replaced on my car, can I submit the receipt to my insurance company for reimbursement?

Since you are in California, glass claims should not impact your rate. You will want to make sure your policy includes comprehensive coverage (which it should since you are leasing the vehicle).
May 8, 2017 Santa Monica, CA

Kristine Lee photo
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.