Root vs. Nationwide Car Insurance

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Root Insurance or Nationwide:
Which company is better?

 

Looking for a new auto insurance policy and comparing Nationwide and Root Car Insurance? The two insurers are two of the most popular options out there, but they have some major differences.

Root is a relatively new entrant to the car insurance space. Founded in 2015, Root Car Insurance earned a valuation of $1 billion in 2018, establishing itself as a giant in the young InsurTech space and a viable competitor in the industry at large. Root rates drivers and prices policies based primarily on driving behavior, rather than demographic data. Root clients enable a smartphone app that tracks their driving behavior and allows the insurer to price their policy accordingly, based on factors like total mileage, average speed, and quick braking. This is an appealing option for drivers typically disadvantaged by traditional rating factors: young drivers, drivers who operate their vehicles in dense cities, or those who only drive occasionally. 

Nationwide is one of America's largest traditional auto insurance companies. Founded more than 90 years ago, Nationwide brings to the table an A+ user satisfaction rating, a high claims payout satisfaction score, and a litany of available discounts. Nationwide competes with Root by offering a telematics-based insurance product of its own: SmartRide. Nationwide's usage-based program purports to save drivers approximately $400 per year.

Check out our in-depth comparison of the two companies below before comparing rates and finding a policy!

Discount ComparisonRoot InsuranceNationwide
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 InsuranceNationwide
Financial Strength GoodSuperior
JD Power Rankings Not Rated
100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon
4 out of 5
User Satisfaction

A

A+

Other ProductsRoot InsuranceNationwide
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesRoot InsuranceNationwide
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.Nationwide demonstrates customer appreciation and respect through dedicated, licensed professionals and superior claim service.
Roadside AssistanceRoot Car Insurance offers roadside assistance with every policy.Nationwide's Roadside Assistance is available in select states. Two levels of emergency Roadside Assistance coverage—Basic and Plus—are available. Nationwide Roadside Assistance Basic applies to everyone on your policy, in any car you might occupy with coverage that includes towing up to 15 miles, ditch extraction service, emergency fuel, battery jump-start, locksmith services up to $100 and tire changes. Nationwide Roadside Assistance Plus includes all the previously listed services in addition to a tow up to 100 miles and trip interruption coverage that may reimburse your expenses up to $500 for alternate transportation, lodging and meals if you find yourself broken down 100 or more miles from home.
Additional DiscountsRoot Car Insurance provides usage-based discounts based on driving behavior and mileage.Nationwide offers additional savings through a Family Discount, which allows you to share discounts with members of your family.
Recent QuestionsWhat's the ADOT code for Nationwide
The ADOT code for Nationwide would be listed on your policy documents. But for Nationwide, it is 0014.
Will an insurance company tell me if someone has paid a loan off?
Unfortunately an insurance company is not able to get information on another person's loan status due to privacy laws. Typically when a loan is fully paid off for a vehicle, then the title is transferred to the owner, who should then turn it over to you with the vehicle.
I was rear-ended but the driver drove off before we exchanged information
The safest course of action would be to contact your insurance company with all the information possible. Including the police report and the at-fault driver's license plate information.
If I hit an uninsured driver, can he go after me for damages?
Georgia isn't a "No-Pay No-Play" state, so if the insured driver is considered to be at-fault for the crash then the not at-fault party's insurance status does not have a bearing on any claims payout. Long story short, they can claim their vehicle damage and injuries if the other driver is at-fault.
See More Questions
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Root vs. Nationwide

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