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Root or State Farm: Which company is best for you?

Root and State Farm each offer an array of car and home insurance options. Use our in-depth comparison of the two carriers to decide between the two.

Root car insurance

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3.0 Rating from The Zebra Question mark icon

One of the early adopters of telematics technology, Root was among the first insurance companies to assign rates based on driving habits in place of traditional rating factors. The company's long-term aim is to discontinue the use of credit scores in policy pricing by the year 2025. Root car insurance could be a solid option for those with a clean driving history or those who drive infrequently. 

Pros Cons
  • Expanding geographic availability
  • Could be affordable for infrequent or safe drivers
  • Only offers basic insurance lines (home, renters, auto) with few add-ons
  • High customer complaint ratio (NAIC)                                     
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State Farm car insurance

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4.5 Rating from The Zebra Question mark icon

State Farm is one of the country's largest insurance companies, offering auto coverage across the nation. State Farm is known for its network of local agents, which has led to solid ratings from reputable third-party sources, including some glowing reviews of the company's customer service. 

State Farm car insurance discounts and coverage options are comparable to those offered by other large companies. However, those seeking a wide range of add-ons could be found wanting.

As a bonus, State Farm's average car insurance rates were lower than those of many of its competitors. 

Pros Cons
  • Agents available across the U.S.
  • Lower-than-average car insurance rates
  • Positive customer satisfaction and financial strength ratings
  • Few specialized coverages or endorsements for those with unique coverage needs
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Which company comes out on top?

State Farm


While Root provides a unique value proposition for those interested in telematics-powered car insurance (especially beneficial for low-mileage drivers), State Farm's winning combination of positive customer reviews and solid rates take the carrier to the next level.

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Ratings comparison: Root vs. State Farm

We gathered ratings and reviews from leading third-party publications, measuring Root's and State Farm's claims satisfaction, customer complaint totals and other factors. See below a collection of these ratings to provide perspective on the two companies' offerings.

Root vs. State Farm
Ratings comparison Root State Farm
Financial strength (A.M. Best) Not Rated Excellent
JD Power (claims satisfaction) Not Rated Above average
JD Power (customer satisfaction) Not Rated Above average
NAIC rating Below Average Above average
The Zebra's editorial review score 3/5 4.5/5
The Zebra's Customer Satisfaction Survey Not Rated 4.5/5

Which company scores best?

State Farm


State Farm earned evaluations from more entities than did Root, and the company received above-average or better marks in every category. State Farm also performed well in The Zebra's customer satisfaction survey, scoring 4.5 out of 5.

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. State Farm: discount comparison

See below a head-to-head comparison of the companies' discount options for car insurance.

Root vs. State Farm: discount comparison
Discount comparison Root State Farm
Good student
Multiple policies
Multiple vehicles
Anti-theft device(s)
Air bags
Good driver
Defensive driver
Student away at school
Affinity membership alum
Telematics
Annual mileage

Telematics options: Root vs. State Farm

Each of these companies provides high-quality insurance policies for drivers looking for usage-based insurance. Telematics-powered insurance represents Root's primary value proposition and underpins the carrier's entire pricing strategy. State Farm's telematics program is also well-regarded, leading to savings of up to 30% for some customers. 

root logo
Root Insurance

Root is among the most popular telematics insurance companies. Root uses its telematics app to gather information and calculate customer premiums. Rates are then set based on the driver's actions behind the wheel and total mileage, rather than on factors such as demographic information and credit score.

state farm logo
State Farm Drive Safe & Save

State Farm Drive Safe & Save is a popular telematics-based insurance program. The product is available in most states, collecting data on customers' mileage and driving habits to calculate savings. The company claims to save customers up to 30% on premiums. This may vary by location.

Zebra Tip: Root is known for telematics for a reason


Root represents the cutting edge of car insurance technology. Its modern app and usage-based approach to pricing separate it from traditional companies (even those offering telematics programs).


Roadside assistance: Root vs. State Farm

Find below summaries of the roadside assistance packages offered by Root and State Farm.

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

 

State Farm

State Farm's Emergency Road Service offers the following:

  • Mechanical labor at the place of breakdown
  • Towing of your vehicle to a repair facility,
  • Removal of a stuck vehicle
  • Delivery of gas or oil
  • Assistance with changing a tire or a jumpstart
  • Locksmith services
tow truck

Root vs. State Farm: home insurance

Both of these carriers offer homeowners insurance policies. Read the in-depth comparison below to learn which company is the best fit for you.

Root homeowners insurance review

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3.0 Rating from The Zebra Question mark icon

Root allows its auto insurance customers to add homeowners insurance bundles through a partnership with Homesite. 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. Root claims customers who bundle home and auto policies receive 10% discounts on their home insurance premiums. 

Based on Root's middling home insurance customer satisfaction scores, homeowners looking for top-notch customer satisfaction may want to find a policy with a more established carrier.

  • 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).
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State Farm homeowners review

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4.0 Rating from The Zebra Question mark icon

State Farm is one of the nation's most popular home insurance providers, carrying with it some definite pros and cons.

Our assessment found that State Farm's average rates are on the higher side, and there are only four discounts for home insurance. In short, while this company's home insurance has the backing of favorable ratings, those looking for an average, no-frills home insurance policy without specialized endorsements could get a cheaper rate by looking for an alternative.

In The Zebra's customer satisfaction survey of 15 popular homeowners insurance companies, State Farm finished in fifth place.

  • The Zebra Customer Satisfaction Survey — 4.4/5: State Farm was given an above-average rating among the top 15 home insurance providers surveyed.
  • Claims satisfaction (J.D. Power Rating) — Below average: J.D. Power's most recent study rated State Farm as just shy of the industry average for property claims satisfaction.
  • Customer satisfaction (J.D. Power Rating) — Above average: State Farm was awarded an above-average rating for customer satisfaction in J.D. Power's Home Insurance Study.
  • Financial strength — Excellent: A.M. Best rated State Farm as having excellent financial viability, signaling its ability to pay for claims.
  • NAIC Rating — Average: State Farm's home insurance received an average amount of complaints as logged by the National Association of Insurance Commissioners (NAIC).
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Which company comes out on top?

State Farm


State Farm's home insurance product earns consistently high marks from top reviewers and The Zebra's own customer satisfaction survey. Root home insurance — offered through Homesite — could hold some appeal for existing customers, thanks to the 10% discount. 


Root vs. State Farm: homeowners discount comparison

Each company offers home insurance discounts. Reference these discounts side-by-side below.

Root vs. State Farm: Homeowners Discount Comparison
Discount comparison Root State Farm
Claims free
Recent home buyer
Multi-policy
Early signing
Newer/more durable roof
Protective devices (smoke/burglar alarms, etc...)
New home construction

Zebra Tip: Look into discounts when choosing an insurance company


Both State Farm and Root offer a strong collection of home insurance discounts. Be sure to do your due diligence to ensure you take advantage of as many of these clauses as possible when signing your contract.


Other insurance products and bundling options

Root and State Farm offer a variety of insurance products, along with the option to bundle policies for extra savings. Compare product offerings from the two companies:

Root vs. State Farm: other insurance products
Other products Root State Farm
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.

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RECENT QUESTIONS

How many cars can I list under one insurance policy?

The maximum allowable number of drivers and vehicles that can be insured on any particular car insurance policy will vary by company. While there is no set standard, most insurance companies will allow their customers to insure up to 4 drivers and 4 vehicles on a single policy.

Does State Farm match auto insurance quotes with other companies?

In truth, no. Car insurance companies determine their rates based on their previous years' filings (loss to revenue ratio) in addition to other factors.
May 7, 2019 Bentonville, AR

My car was towed by an apartment complex, will State Farm reimburse me for the towing cost?

Roadside assistance covers towing but it won't cover your car being towed by someone else. Your insurance company will not cover the cost of your car being towed from parking in the wrong location.
Aug 20, 2019 Crosby, TX

How will my insurance be affected by multiple tickets and an accident?

The simple answer is that you can expect to see an increase to your rate. Every ticket or accident you have within a three year period is likely to cause higher rates; the more you have, the higher the rate you can expect to pay.&nbsp;Once those incidents are listed on your driving report, it takes about three years for them to no longer be considered chargeable by your insurance company.
Oct 30, 2016 Camby, IN

Ross Martin photo
Ross MartinManager, Content Quality

Ross joined The Zebra as a writer and researcher in 2019. As a licensed insurance agent, he specializes in writing insurance content to help shoppers make informed decisions.

Ross holds a master's degree from Royal Holloway, University of London and has a background in copywriting and education. As a former teacher, he applies his educational skills to explain insurance concepts in ways that consumers can understand.

Ross's work has been cited by The New York Times, AxiosInvestopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

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.