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.
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|JD Power Rankings||N/A out of 5||3 out of 5|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|About||Root 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 Assistance||Root 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 Discounts||Root 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 Questions||Can I still be on my parent’s car insurance?|
An automated security gate hit my door, should I file a claim or get them to pay for the damages?
If I am renting an apartment can I still be on my parents car insurance? I am 22 years old ...
Can an insurance company force add me to a policy even if I do not drive?
There was a parking spot near where the gate extends to and I parked too close. When the door opened, ...
Can a claim be denied if I have scheduled personal property coverage for a home where I’m no longer living?
My senior parents have full coverage on their car and have been with their insurance company, Allstate, for several years ...
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I’ve had my homeowners insurance with Allstate for the last 20 years that covers several properties I own in Texas ...
|Compare More||Root vs. GEICO Root vs. Metromile Root vs. Nationwide Root vs. Progressive Root vs. State Farm Root vs. USAA||Allstate 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 Offered||Oregon Montana North Dakota Utah Arizona New Mexico Oklahoma Texas Louisiana Arkansas Missouri Iowa Illinois Indiana Kentucky Ohio Pennsylvania Delaware Maryland Mississippi||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|
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