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.
|Discount Comparison||Root||State Farm|
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|Ratings Comparison||Root||State Farm|
|JD Power Rankings||N/A out of 5||3 out of 5|
|Other Products||Root||State Farm|
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|Other Features||Root||State Farm|
|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.||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 Assistance||Root 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 Discounts||Root 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 Questions||Will my State Farm Car insurance cover the damages to a person’s balcony if we hit it while driving a Uhaul?|
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|Compare More||Root vs. Allstate Root vs. GEICO Root vs. Metromile Root vs. Nationwide Root vs. Progressive Root vs. USAA||State Farm vs. 21st Century State Farm vs. Allied State Farm vs. Allstate State Farm vs. American Family State Farm vs. Amica Mutual Insurance State Farm vs. Auto Club (AAA) State Farm vs. Erie State Farm vs. Esurance State Farm vs. Farmers State Farm vs. Foremost State Farm vs. GEICO State Farm vs. Infinity State Farm vs. Liberty Mutual State Farm vs. Mercury State Farm vs. MetLife State Farm vs. Metromile State Farm vs. Nationwide State Farm vs. Progressive State Farm vs. SAFECO State Farm vs. Safe Auto State Farm vs. The General State Farm vs. The Hartford State Farm vs. Titan State Farm vs. Travelers State Farm vs. USAA|
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