Root vs State Farm Car Insurance

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Root Insurance or State Farm:
Which company is best for you?

If you're tired of having your car insurance priced based on your credit score, auto insurance history, or your demographic data, telematics-powered auto insurance could be right for you. One of the market leaders in the telematics space is Root Car Insurance, which claims to provide "car insurance for the way you drive." Root prices its policies based on your driving behavior, as tracked by a smartphone app. As a Root customer, if you brake hard, drive fast, travel late at night, or use your car too often, your car insurance could be expensive. If you drive carefully and use your vehicle only occasionally, your rates could be affordable. Root is a potentially cheap option for good drivers who might be overcharged based on traditional auto insurance rating factors, such as credit level or age. 

On the other hand, State Farm is one of America's best-established and most popular auto insurance companies. Founded in 1922, the Indiana-based insurer boasts "superior" financial strength (A.M. Best) and nationwide coverage. One of its primary benefits is its wide-ranging discounts, benefiting students, holders of multiple insurance policies, and those with anti-theft devices installed.  

If you're interested in sticking with an established auto insurance company but want to try telematics, State Farm® Drive Safe & Save™ could be a solid option. State Farm's usage-based insurance platform combines the underwriter's financial strength and major brand name with an InsurTech-inspired program that prices your rates partly on your driving behavior. 

Learn more about telematics and car insurance

Discount ComparisonRoot InsuranceState Farm
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 InsuranceState Farm
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 InsuranceState Farm
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.Get the protection you need at a price you can afford with State Farm; offering packaged options, discounts and custom coverage to meet any driver's needs.
Roadside AssistanceRoot Car Insurance offers roadside assistance with every policy.State Farm's Emergency Road Service offers mechanical labor at the place of breakdown, the towing of your vehicle to a repair facility, removal of a stuck vehicle, delivery of gas or oil, assistance with changing a tire or a jumpstart, and locksmith services.
Additional DiscountsRoot Car Insurance provides usage-based discounts based on driving behavior and mileage.State Farm offers an additional discount for vehicles made in 1994 or later, depending on the loss experience of the vehicle make and model.
Recent QuestionsMy car was towed by an apartment complex, will State Farm reimburse me for the towing cost?
Roadside assistance covers towing but it won't cover your car being towed by someone else. Your insurance company will not cover the cost of your car being towed from parking in the wrong location.
What could be the reason State Farm increased my premium?
Since it is policy-specific, State Farm will be the only one who can answer why the rate increased by 39%. I am not aware of any insurance law in California that would cause an increase of 39%.
I started a claim but canceled it with no payout. Why is it on my CLUE report?
Unfortunately, if you start the claims process, the insurance company can list it on your CLUE report through LexisNexis which contains your claims history — even if there was no payout or resolution. You can dispute with State Farm to see if they will remove it, but at this point, that is really the only option which is definitely frustrating.
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
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Root vs State Farm

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