Root vs. USAA

Compare rates from the top car insurance companies in your area.

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

Root Insurance or USAA:
Which Company is Best for You?

Root Car Insurance and USAA are two of America's most popular specialty auto insurance providers. While USAA caters to veterans and active duty U.S. military personnel, Root operates on a non-standard platform powered by telematics devices

USAA is a great option if you are — or were — a member of a U.S. military branch. USAA — or the United Services Automobile Association — typically offers competitive prices and unique benefits for service members and their families. The company, based in San Antonio, Texas, insures more than 12 million clients and dates back nearly a century to 1922. USAA's claims satisfaction score, as measured by J.D. Power, is 5 out of 5. 

Root Car Insurance is a recent entrant to the auto insurance space. Debuting in 2016 and based in Ohio, Root offers "car insurance for the way you drive." The company bypasses traditional rating factors when assigning rates, instead relying on driving performance metrics delivered from an in-car smartphone app. Drivers who operate their vehicles safely or drive only occasionally can save substantial amounts on their insurance premiums through Root. 

Discount ComparisonRoot InsuranceUSAA
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 InsuranceUSAA
Financial Strength N/ASuperior
JD Power Rankings N/AExcellent
User Satisfaction N/AN/A
Other ProductsRoot InsuranceUSAA
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesRoot InsuranceUSAA
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.USAA is known for their award-winning service, distinguished products and making their customers' needs a priority.
Roadside AssistanceRoot Car Insurance offers roadside assistance with every policy.24-hour roadside assistance is included in all of USAA's Extended Vehicle Protection programs. Pricing varies depending on which plan you select. Roadside assistance will pay up to $100 per occurrence of the following: towing service, flat tire change, emergency gas delivery, battery jump, and locksmith services. Substitute Transportation is available up to $250 per occurrence. Travel/Lodging Reimbursement is available up to $300 per occurrence.
Additional DiscountsRoot Car Insurance provides usage-based discounts based on driving behavior and mileage.USAA offers discounts for vehicles with daytime running lights and vehicles in storage, as well as a legacy discount for drivers under 25 years old whose parents have had USAA auto insurance.
Recent QuestionsAm I covered for an accident if my policy had lapsed while without an Uber passenger?
Unfortunately, if there was no coverage in place, no company will honor the claim. Uber coverage is in place while the app is active, though this only covers liability.
Our son-in-law is a USAA member (Navy). Can we join also?
Parents are not eligible for USAA. I believe USAA eligibility flows "downstream" — so descendants, i.e.
Can my brother use his insurance for damage he caused to my vehicle?
Unfortunately, car insurance follows the vehicle, not the driver. In this case, he cannot use his own insurance to cover the damage he caused to your vehicle.
Agree to be paid out of pocket with driver with no license
To sum, having her pay out of pocket might be your best option. Let me explain.
See More Questions
Compare MoreRoot Insurance vs. Allstate Root Insurance vs. GEICO Root Insurance vs. Metromile Root Insurance vs. Nationwide Root Insurance vs. Progressive Root Insurance vs. State FarmUSAA vs. 21st Century USAA vs. Allied USAA vs. Allstate USAA vs. American Family USAA vs. Amica Mutual Insurance USAA vs. Auto Club (AAA) USAA vs. Erie USAA vs. Esurance USAA vs. Farmers USAA vs. Foremost USAA vs. GEICO USAA vs. Infinity USAA vs. Liberty Mutual USAA vs. Mercury USAA vs. MetLife USAA vs. Nationwide USAA vs. Progressive USAA vs. Safe Auto USAA vs. Safeco USAA vs. State Farm USAA vs. The General USAA vs. The Hartford USAA vs. Titan USAA vs. Travelers
Top StatesOregon Montana North Dakota Utah Arizona New Mexico Oklahoma Texas Louisiana Arkansas Missouri Iowa Illinois Indiana Kentucky Ohio Pennsylvania Delaware Maryland MississippiArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas