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Insurance · head to head

Five Sigma vs Root Insurance

Five Sigma logo

Five Sigma

Insurance

Cloud claims management with decision support aimed at insurers who cannot fund a full core programme

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: Five Sigma the reference base is small compared with established claims vendors, so procurement and audit committees will ask for viability assurances you cannot fully answer.; Root Insurance no specific pricing rates published on website
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Five Sigma and Root Insurance actually diverge.

Attributes where Five Sigma and Root Insurance differ
AttributeFive SigmaRoot Insurance
PlatformsWeb, APIWeb

Identical on both: starting price (On request), pricing model (quote), free tier (No), 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 Five Sigma

  • Claim file management
  • Automation rules
  • Adjuster decision support
  • Vendor and litigation management
  • Configurable lines
  • Reporting and data export

Only in Root Insurance

Nothing recorded that Five Sigma does not also cover.

What people use each for

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

Five Sigma

  • A third-party administrator replacing a homegrown claims system without a multi-year programmenot Root Insurance
  • An MGA taking claims handling in house from a delegated authority arrangementnot Root Insurance
  • A mid-sized carrier that needs a modern claims system but cannot fund a core suite replacementnot Root Insurance
  • A programme business that must report claims data to capacity providers in a consistent formatnot Root Insurance

Root Insurance

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

Where each one falls short

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

Five Sigma

  • The reference base is small compared with established claims vendors, so procurement and audit committees will ask for viability assurances you cannot fully answer.
  • Automation benefits depend entirely on your claim mix, and a book with high-complexity liability claims sees far less handling time reduction than a high-volume property book.
  • There is almost no third-party integrator market, so implementation, configuration and later changes route through the vendor and its capacity becomes your constraint.
  • Deep integration with legacy policy systems is your responsibility, and claims platforms are only as useful as the policy and coverage data flowing into them.
  • Regulatory reporting for many United States states is not as complete out of the box as it is on platforms that have served American carriers for decades, so expect some reporting build.

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

Five Sigma

On request
  • Five Sigma Claims$undefined/year
    • Claims administration
    • Automation and decision support
    • Configurable lines of business

Root Insurance

On request

No published plan breakdown. See the Root Insurance review.

Which should you pick?

Choose Five Sigma if

  • You need claim file management.
  • You work on Web, API.
  • You also want automation rules.
Five Sigma review

Choose Root Insurance if

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

Root Insurance review

Questions people ask

Is Five Sigma or Root Insurance better?
Neither clearly leads. Five Sigma 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, Five Sigma or Root Insurance?
Five Sigma starts at On request and Root Insurance at On request.
Does Five Sigma or Root Insurance run on more platforms?
Five Sigma runs on Web, API. Root Insurance runs on Web.
What is Five Sigma best used for?
Five Sigma is most often used for a third-party administrator replacing a homegrown claims system without a multi-year programme, an mga taking claims handling in house from a delegated authority arrangement, a mid-sized carrier that needs a modern claims system but cannot fund a core suite replacement, a programme business that must report claims data to capacity providers in a consistent format. Of those, a third-party administrator replacing a homegrown claims system without a multi-year programme and an mga taking claims handling in house from a delegated authority arrangement are not what Root Insurance is typically brought in for.
What can Five Sigma do that Root Insurance cannot?
Five Sigma covers Claim file management, Automation rules, Adjuster decision support, Vendor and litigation management.

Answered from the vendors’ own pages

Five Sigma: Who is the typical buyer?

Third-party administrators, MGAs and small to mid-sized carriers that need a real claims system without a core suite budget.

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
Five Sigma: How does it compare with Guidewire ClaimCenter?

ClaimCenter has far more depth, references and integrator support, and costs correspondingly more with a longer implementation. Five Sigma competes on time to live.

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
Five Sigma: What should we test in a pilot?

Adjuster handling time on your own claim mix. The commercial case rests on that measurement, not on the feature list.

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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