Root vs. Allstate Car Insurance

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Root Insurance 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 ComparisonRoot InsuranceAllstate
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 ComparisonRoot InsuranceAllstate
Financial Strength GoodSuperior
JD Power Rankings Not Rated
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
User Satisfaction

A

A+

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Other FeaturesRoot InsuranceAllstate
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 QuestionsDo I have to list my spouse as a driver?
You do have to list your spouse on the policy but many companies will allow you to exclude your spouse as a driver. Keep in mind that unless your spouse has a poor driving history, bad credit, or an expensive car, it's usually a sensible decision to add them since most insurance companies offer a discount on a joint policy.
Can I still be on my parent's car insurance?
Insurance is zip-code specific so your policy needs to be rated for the zip-code you're living in - so, basically, you would need to get your own insurance. If your parents own the vehicle and it is registered to them, they would be listed under an "additional interest" in the policy as they own the vehicle.
An automated security gate hit my door, should I file a claim or get them to pay for the damages?
It's unlikely to company will pay for damages to your vehicle because, as you stated, you misjudged where the gate would open to. In terms of filing a claim with your insurance company, I recommend getting an estimate first to see how much the damage will cost.
Can an insurance company force add me to a policy even if I do not drive?
Insurance companies generally require any household member of driving age be listed on a policy. Policyholders normally have the option, however, to "exclude" anyone they don't want added to their policy.
See More Questions
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Root vs. Allstate

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