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Insurance · head to head

Haven Life vs Root Insurance

Haven Life logo

Haven Life

Insurance

Life insurance by New York Life

From
Free
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

  • Only Haven Life has a free tier, so it costs nothing to try first.
  • Each has a real cost: Haven Life stopped accepting new applications on 12 January 2024. MassMutual wound the business down, citing low consumer adoption and high customer acquisition costs; 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 Haven Life and Root Insurance actually diverge.

Attributes where Haven Life and Root Insurance differ
AttributeHaven LifeRoot Insurance
Starting priceFreeOn request
Pricing modelfreemiumquote
Free tierYesNo
PlatformsWeb, Ios, AndroidWeb
Founded2016Unknown

Identical on both: 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 Haven Life

  • Instant quotes
  • No medical exam
  • Fast underwriting
  • Multiple term options
  • Online application
  • Digital policy delivery
  • Policy management portal
  • 24/7 accessibility

Only in Root Insurance

Nothing recorded that Haven Life does not also cover.

What people use each for

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

Haven Life

  • Life insurance shoppingnot Root Insurance
  • Family protectionnot Root Insurance
  • Quick policy purchasenot Root Insurance
  • Financial securitynot Root Insurance

Root Insurance

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

Where each one falls short

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

Haven Life

  • Stopped accepting new applications on 12 January 2024. MassMutual wound the business down, citing low consumer adoption and high customer acquisition costs
  • havenlife.com now redirects to massmutual.com
  • Existing policies remain valid and are administered by MassMutual, but the product cannot be bought

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

Haven Life

Free
  • Quote ToolFree
    • Instant quotes
    • No medical exam
    • Coverage customization
  • Term Life Insurance$undefined/month
    • 10, 20, or 30-year terms
    • Fast underwriting
    • Guaranteed rates

Root Insurance

On request

No published plan breakdown. See the Root Insurance review.

Which should you pick?

Choose Haven Life if

  • You need instant quotes.
  • You want to start without paying.
  • You work on Web, Ios, Android.
  • You also want no medical exam.
Haven Life review

Choose Root Insurance if

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

Root Insurance review

Questions people ask

Is Haven Life or Root Insurance better?
Neither clearly leads. Haven Life starts at Free and Root Insurance at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Haven Life or Root Insurance?
Haven Life has a free tier; the other does not. Paid plans start at Free for Haven Life and On request for Root Insurance.
Does Haven Life or Root Insurance run on more platforms?
Haven Life runs on Web, Ios, Android. Root Insurance runs on Web.
Can I use Haven Life for free?
Yes. Haven Life has a free tier, so you can try it without paying. Root Insurance starts at On request.
What is Haven Life best used for?
Haven Life is most often used for life insurance shopping, family protection, quick policy purchase, financial security. Of those, life insurance shopping and family protection are not what Root Insurance is typically brought in for.
What can Haven Life do that Root Insurance cannot?
Haven Life covers Instant quotes, No medical exam, Fast underwriting, Multiple term options.

Answered from the vendors’ own pages

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
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
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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