Root Insurance is a modern U.S. insurance company known for technology-driven auto insurance that rewards safe drivers with potentially lower rates. Founded in 2015 and headquartered in Columbus, Ohio, Root uses a smartphone app to assess driving behavior—such as braking, speed, and driving habits—to help determine your auto insurance rate rather than relying mainly on traditional factors like age or credit score.

Root’s pricing model uses telematics technology via its app to track driving behavior over a trial period. Safe drivers may qualify for lower premiums based on data collected, which can result in significant savings compared with traditional insurers. Everyone can get a quick quote or same-day coverage through the app.