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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 Comparison||Root Insurance||Progressive|
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|Ratings Comparison||Root Insurance||Progressive|
|JD Power Rankings||Not Rated|
|Other Products||Root Insurance||Progressive|
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|Other Features||Root Insurance||Progressive|
|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.||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 Assistance||Root 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 Discounts||Root 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 Questions||Do I need to put everyone in my household on my policy?|
It's usually recommended to add everyone who lives in the household on the same policy if it's likely they will be driving the insured car, and insurance companies generally require everyone in the household of driving age to be listed on the policy. But if the others in the household already have their own insurance and vehicles, this would be unnecessary.How many cars can I have on my progressive policy?
Hello, Most companies — including Progressive — will allow four cars per policy. Of course, it's always a good idea to check with your insurance company if you are unsure about whether or not your cars are covered.Why won't my insurance recognize or cover Tesla labor rates?
Each insurance company has different guidelines when it comes to how they handle claims and repairs. As long as they are following the guidelines agreed to within your policy documents, then they are meeting the requirements on their end, so refer back to your policy and check what's covered and what's not.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?
You are right — having a lapse in coverage will cause your rates to be higher in the future. I recommend getting a non-owners policy, which it sounds like Progressive is already offering to you.See More Questions
|Compare More||Root Insurance vs. Allstate Root Insurance vs. GEICO Root Insurance vs. Metromile Root Insurance vs. Nationwide Root Insurance vs. State Farm Root Insurance vs. USAA||Progressive 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. Safe Auto Progressive vs. Safeco Progressive vs. State Farm Progressive vs. The General Progressive vs. The Hartford Progressive vs. Titan Progressive vs. Travelers Progressive 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|