Root vs. Allstate Car Insurance

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Root 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 ComparisonRootAllstate
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 ComparisonRootAllstate
Financial Strength GoodSuperior
JD Power Rankings
N/A out of 5
3 out of 5
User Satisfaction

A

A+

Other ProductsRootAllstate
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesRootAllstate
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.Allstate gives quality protection at a great price, complete with personal attention and service you need to choose coverage that makes the most sense for you.
Roadside AssistanceRoot Car Insurance offers roadside assistance with every policy.Every Allstate customer has access to Allstate's 24/7 Roadside network with no annual fee. This pay-per-use coverage allows you to pay only for service when you need it (typically with a charge of $99 per tow and $84 for other services like tire changes, jump starts, fuel delivery and locksmith services). For prepaid options, you may choose Allstate Motor Club for full coverage or elect to add Towing & Labor Coverage to your auto policy.
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 I still be on my parent’s car insurance?

If I am renting an apartment can I still be on my parents car insurance? I am 22 years old ...

An automated security gate hit my door, should I file a claim or get them to pay for the damages?

There was a parking spot near where the gate extends to and I parked too close. When the door opened, ...

Can an insurance company force add me to a policy even if I do not drive?

My senior parents have full coverage on their car and have been with their insurance company, Allstate, for several years ...

Can a claim be denied if I have scheduled personal property coverage for a home where I’m no longer living?

I’ve had my homeowners insurance with Allstate for the last 20 years that covers several properties I own in Texas ...

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Compare MoreRoot vs. GEICO Root vs. Metromile Root vs. Nationwide Root vs. Progressive Root vs. State Farm Root vs. USAAAllstate vs. 21st Century Allstate vs. Allied Allstate vs. American Family Allstate vs. Amica Mutual Insurance Allstate vs. Auto Club (AAA) Allstate vs. Erie Allstate vs. Esurance Allstate vs. Farmers Allstate vs. Foremost Allstate vs. GEICO Allstate vs. Infinity Allstate vs. Liberty Mutual Allstate vs. Mercury Allstate vs. MetLife Allstate vs. Nationwide Allstate vs. Progressive Allstate vs. SAFECO Allstate vs. Safe Auto Allstate vs. State Farm Allstate vs. The General Allstate vs. The Hartford Allstate vs. Titan Allstate vs. Travelers Allstate vs. USAA
States OfferedOregon 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
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Root vs. Allstate

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