Root vs. Progressive Car Insurance

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Root or Progressive:
Which company is best for you?

Considering the switch from traditional auto insurance with Progressive to the new telematics-based model with Root Car Insurance? It's important to be aware of some key distinctions between the two companies and their offerings.

Progressive is one of America's largest car insurance companies, writing policies since 1937. Progressive — with 18 million clients — offers multi-policy discounts that can come in handy if you're looking to insure your home and vehicle. Based in Ohio, Progressive holds an "about average" J.D. Power rating, measuring its customer claims satisfaction and a "superior" financial strength rating. 

Root Car Insurance is at the forefront of the emerging InsurTech trend. The carrier offers "car insurance for the way you drive," pricing its policies based on feedback from a smartphone app that tracks your driving behavior. Root's model minimizes the weight of traditional rating factors such as credit score and demographics in favor of more objective qualifications like driving speed, total mileage, and braking patterns. Root is currently available in 21 U.S. states.

In addition to its traditional auto insurance policies, Progressive offers Snapshot, a telematics-powered option. Progressive Snapshot bases your rates on your driving behavior over time, rather than pricing your policy based solely on standard rating factors. Review our detailed breakdown of Progressive Snapshot vs. Root Car Insurance

Discount ComparisonRootProgressive
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 ComparisonRootProgressive
Financial Strength GoodSuperior
JD Power Rankings
N/A out of 5
3 out of 5
User Satisfaction

A

A+

Other ProductsRootProgressive
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesRootProgressive
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.Progressive provides its customers with a wide range of services and competitive rates designed to help them get their lives back in order again as quickly as possible.
Roadside AssistanceRoot Car Insurance offers roadside assistance with every policy.Progressive's Roadside Assistance offers towing service, flat tire change, battery jump-start, locksmith service and emergency gasoline delivery, and depending on your policy, these may come with no out-of-pocket fee. In most states, you'll need to have Comprehensive and Collision coverage on the vehicle to add Progressive's Roadside Assistance.
Additional DiscountsRoot Car Insurance provides usage-based discounts based on driving behavior and mileage.Progressive offers additional savings through a loyalty rewards program which includes perks like priority call service, renewal guarantees, and accident forgiveness, based on the amount of time you’ve been with the company.
Recent QuestionsWhy won’t my insurance recognize or cover Tesla labor rates?

I was at fault for an accident in my new Tesla Model 3. I have Progressive insurance and they do ...

I’m selling my car and canceling insurance. When I buy another car a few months from now, will I get higher rates for a lapse in coverage?

I’m in the process of selling my car and will be without a vehicle for the first time in years. ...

Does progressive auto insurance cover house property damage?

I was in an automobile accident and caused damage to a fence and to a side of a house. Does ...

Will my car insurance cover me after a theft

Somebody break into my car. I try to to file a claim but the employee told me I won’t get ...

See More Questions
Compare MoreRoot vs. Allstate Root vs. GEICO Root vs. Metromile Root vs. Nationwide Root vs. State Farm Root vs. USAAProgressive vs. 21st Century Progressive vs. Allied Progressive vs. Allstate Progressive vs. American Family Progressive vs. Amica Mutual Insurance Progressive vs. Auto Club (AAA) Progressive vs. Elephant Progressive vs. Erie Progressive vs. Esurance Progressive vs. Farm Bureau Mutual Progressive vs. Farmers Progressive vs. Foremost Progressive vs. GEICO Progressive vs. Infinity Progressive vs. Liberty Mutual Progressive vs. Mercury Progressive vs. MetLife Progressive vs. Metromile Progressive vs. Nationwide Progressive vs. North Star Mutual Progressive vs. SAFECO Progressive vs. SafeAuto Progressive vs. State Farm Progressive vs. The General Progressive vs. The Hartford Progressive vs. Titan Progressive vs. Travelers Progressive 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. Progressive

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