Root Car Insurance and USAA are two of America's most popular specialty auto insurance providers. While USAA caters to veterans and active duty U.S. military personnel, Root operates on a non-standard platform powered by telematics devices.
USAA is a great option if you are — or were — a member of a U.S. military branch. USAA — or the United Services Automobile Association — typically offers competitive prices and unique benefits for service members and their families. The company, based in San Antonio, Texas, insures more than 12 million clients and dates back nearly a century to 1922. USAA's claims satisfaction score, as measured by J.D. Power, is 5 out of 5.
Root Car Insurance is a recent entrant to the auto insurance space. Debuting in 2016 and based in Ohio, Root offers "car insurance for the way you drive." The company bypasses traditional rating factors when assigning rates, instead relying on driving performance metrics delivered from an in-car smartphone app. Drivers who operate their vehicles safely or drive only occasionally can save substantial amounts on their insurance premiums through Root.
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|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
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|JD Power Rankings||N/A out of 5||5 out of 5|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|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.||USAA is known for their award-winning service, distinguished products and making their customers' needs a priority.|
|Roadside Assistance||Root Car Insurance offers roadside assistance with every policy.||24-hour roadside assistance is included in all of USAA's Extended Vehicle Protection programs. Pricing varies depending on which plan you select. Roadside assistance will pay up to $100 per occurrence of the following: towing service, flat tire change, emergency gas delivery, battery jump, and locksmith services. Substitute Transportation is available up to $250 per occurrence. Travel/Lodging Reimbursement is available up to $300 per occurrence.|
|Additional Discounts||Root Car Insurance provides usage-based discounts based on driving behavior and mileage.||USAA offers additional discounts for vehicles with daytime running lights and vehicles in storage, as well as a legacy discount for members under 25 years old whose parents have had USAA auto insurance.|
|Recent Questions||Agree to be paid out of pocket with driver with no license|
Can I get USAA insurance from son in law
My son was rear-ended by a young woman driving without a license or insurance. Should he agree to let her ...
Does USAA membership extend to grandchildren
My son in law has usaa insurance past on from family. He has added me on as a driver. I’m ...
Can someone file a claim if it’s been 4 days and there are no pictures from the accident?
My grandfather is retired military and is a USAA member. Does membership extend to grandchildren?...
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I rear ended someone 4 days ago and when we both looked at our vehicles we realized that there was ...
|Compare More||Root vs. GEICO Root vs. Metromile Root vs. Progressive Root vs. State Farm||USAA vs. 21st Century USAA vs. Allied USAA vs. Allstate USAA vs. American Family USAA vs. Amica Mutual Insurance USAA vs. Auto Club (AAA) USAA vs. Erie USAA vs. Esurance USAA vs. Farmers USAA vs. Foremost USAA vs. GEICO USAA vs. Infinity USAA vs. Liberty Mutual USAA vs. Mercury USAA vs. MetLife USAA vs. Nationwide USAA vs. Progressive USAA vs. SAFECO USAA vs. Safe Auto USAA vs. State Farm USAA vs. The General USAA vs. The Hartford USAA vs. Titan USAA vs. Travelers|
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