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Insurance · head to head

Duck Creek vs Root Insurance

Duck Creek logo

Duck Creek

Insurance

Intelligent digital insurance platform

From
On request
Rated
-
Full reviewWebsite
Root Insurance logo

Root Insurance

Insurance

Car insurance priced primarily on driving behavior measured through an app test drive

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Duck Creek pricing is not published; sold by quote through a sales process; Root Insurance no specific pricing rates published on website
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Duck Creek and Root Insurance actually diverge.

Attributes where Duck Creek and Root Insurance differ
AttributeDuck CreekRoot Insurance
Founded2003Unknown

Identical on both: starting price (On request), pricing model (quote), free tier (No), platforms (Web), user rating (Not yet rated), category (Insurance).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Duck Creek

  • Policy administration
  • Claims management
  • Billing
  • Digital customer portal
  • Mobile app
  • AI-powered workflows
  • Real-time reporting
  • Document management

Only in Root Insurance

Nothing recorded that Duck Creek does not also cover.

What people use each for

The jobs each tool is most often brought in to do.

Duck Creek

  • Policy administrationnot Root Insurance
  • Claims managementnot Root Insurance
  • Rating and billingnot Root Insurance
  • Underwriting automationnot Root Insurance
  • Enterprise insurance operationsnot Root Insurance

Root Insurance

  • Obtaining lower premiums through telematics-based driving behavior assessmentnot Duck Creek
  • Stabilizing insurance costs for budget-conscious and single-parent driversnot Duck Creek
  • Filing claims through mobile app within three minutesnot Duck Creek
  • Accessing roadside assistance for towing and emergency lockout servicesnot Duck Creek
  • Earning referral rewards by recommending to other driversnot Duck Creek

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Duck Creek

  • Pricing is not published; sold by quote through a sales process
  • Cloud-only deployment; no on-premises option

Root Insurance

  • No specific pricing rates published on website
  • Quote-based model requires app download and test drive completion
  • Rates calculated primarily on driving habits with telematics data
  • Geographic restrictions apply (California and Maryland residents cannot use telematics-based pricing)

Pricing, plan by plan

Duck Creek

On request

No published plan breakdown. See the Duck Creek review.

Root Insurance

On request

No published plan breakdown. See the Root Insurance review.

Which should you pick?

Choose Duck Creek if

  • You need policy administration.
  • You also want claims management.
Duck Creek review

Choose Root Insurance if

Nothing in the data separates Root Insurance from Duck Creek on the points above - pick on price and on how each one feels to use.

Root Insurance review

Questions people ask

Is Duck Creek or Root Insurance better?
Neither clearly leads. Duck Creek starts at On request and Root Insurance at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Duck Creek or Root Insurance?
Duck Creek starts at On request and Root Insurance at On request.
Does Duck Creek or Root Insurance run on more platforms?
Both run on Web, so platform support will not decide this one for you.
What is Duck Creek best used for?
Duck Creek is most often used for policy administration, claims management, rating and billing, underwriting automation. Of those, policy administration and claims management are not what Root Insurance is typically brought in for.
What can Duck Creek do that Root Insurance cannot?
Duck Creek covers Policy administration, Claims management, Billing, Digital customer portal.

Answered from the vendors’ own pages

Duck Creek: How does Duck Creek pricing work?

Duck Creek does not publicly disclose specific pricing plans, costs, or tiers. The company directs interested parties to contact their sales team directly, as solutions are customized for individual clients.

Source
Root Insurance: How much does Root Insurance cost?

Root Insurance does not publish specific rates. Customers receive personalized quotes after completing a test drive period (several weeks) in the Root app. Savings up to $1,300 per year mentioned for best drivers.

Source
Duck Creek: What Duck Creek products require pricing discussions?

Duck Creek's Intelligent Core platform (Policy, Rating, Billing, Claims) and Agentic AI Platform pricing depends on factors such as company size, deployment model (cloud vs. on-premise), implementation scope, and specific modules required.

Source
Root Insurance: How does Root determine insurance rates?

Root primarily bases rates on driving habits analyzed through smartphone sensor data and telematics collected during the app-based test drive period. Safe drivers receive lower personalized quotes.

Source
Duck Creek: How do I get a quote from Duck Creek?

Duck Creek directs prospects to contact their sales team through a 'Talk with an Expert' button or the contact form at their website. They require direct sales engagement for pricing discussions.

Source
Root Insurance: What is the Root Insurance pricing model?

Root uses a quote-based model where customers download the app, complete a test drive, and receive a personalized insurance quote. Rates vary by individual driving behavior and geographic location.

Source
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