Root vs GEICO Car Insurance

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Root Insurance or GEICO:
Which insurance company is best for you?

Are you a tech-savvy city-dweller who relies on your car for occasional errands instead of daily commutes? Root Car Insurance could be the company for you. This relatively new usage-based insurance company uses real-time driving behavior tracking technology — via its mobile app — to assign premiums, rather than relying on typical insurance rating factors (like larger companies such as GEICO). GEICO, on the other hand, is among the nation's largest and most trusted insurance companies. GEICO is available in every US state and currently insures 27 million vehicles. If you're interested in weighing the merits of Root's start-up insurance services against a more established option, take a look at our in-depth comparison below.

Discount ComparisonRoot InsuranceGEICO
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 InsuranceGEICO
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

N/A

Other ProductsRoot InsuranceGEICO
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesRoot InsuranceGEICO
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.Geico uses a direct-to-consumer sales model rather than relying on independent agents to provide exceptional service and superior coverage to their valued customers.
Roadside AssistanceRoot Car Insurance offers roadside assistance with every policy.You can use a mobile app to request service from Geico's Emergency Roadside Service, which will assist you if you need a tow, are locked out of your car, run out of gas, have a dead battery or flat tire.
Additional DiscountsRoot Car Insurance provides usage-based discounts based on driving behavior and mileage.Geico offers an additional discount for vehicles with daytime running lights. Moreover, Geico also offers the policy feature of accident forgiveness.
Recent QuestionsWhat is your best advice to buy auto insurance for my 18-year-old who is buying a used car which will be paid off?
The bad news is that car insurance for an 18-year-old on their own separate policy is incredibly expensive — over $3,400 more than the national average. The good news? Typically, we see that combining insurance by adding your kid to your policy is the best route.
My son got a DUI, I will be selling the vehicle & removing him from my Geico policy. Do I need to report it to Geico?
If you choose to repair the damage to your son's car using your insurance, you will need to file a claim and tell your insurer what happened. The claim will impact your rates, but removing your son will not impact your rates as much as leaving him on there — because he has a DUI on his record, that would increase rates in addition to the accident. If you have any questions, don't hesitate to ask.
Can I get accident forgiveness after an accident?
I'm sorry but you will not be able to have an accident forgiven and removed from your record. Depending on the insurance company, they have specific rules about accident forgiveness — generally, you need to be accident-free for a few years before an accident is forgiven.
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.
See More Questions
Compare MoreRoot Insurance vs. Allstate Root Insurance vs. Metromile Root Insurance vs. Nationwide Root Insurance vs. Progressive Root Insurance vs. State Farm Root Insurance vs. USAAGEICO vs. 21st Century GEICO vs. Allied GEICO vs. Allstate GEICO vs. American Family GEICO vs. Amica Mutual Insurance GEICO vs. Auto Club (AAA) GEICO vs. Elephant GEICO vs. Erie GEICO vs. Esurance GEICO vs. Farm Bureau Mutual GEICO vs. Farmers GEICO vs. Foremost GEICO vs. Infinity GEICO vs. Liberty Mutual GEICO vs. Mercury GEICO vs. MetLife GEICO vs. Metromile GEICO vs. Nationwide GEICO vs. North Star Mutual GEICO vs. Progressive GEICO vs. Safe Auto GEICO vs. Safeco GEICO vs. State Farm GEICO vs. The General GEICO vs. The Hartford GEICO vs. Titan GEICO vs. Travelers GEICO vs. USAA
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Root vs GEICO

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