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Insurance · head to head

Hippo vs Root Insurance

Hippo logo

Hippo

Insurance

Homeowners insurance reimagined

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: Hippo no published insurance rates or premium quotes on website; uses dynamic quote model based on individual circumstances; 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 Hippo and Root Insurance actually diverge.

Attributes where Hippo and Root Insurance differ
AttributeHippoRoot Insurance
PlatformsWeb, Ios, AndroidWeb
Founded2015Unknown

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 Hippo

  • Personalized quotes
  • Digital policy management
  • 24/7 customer support
  • Mobile app
  • Smart home integrations
  • Claims support
  • Customizable coverage
  • Instant policy changes

Only in Root Insurance

Nothing recorded that Hippo does not also cover.

What people use each for

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

Hippo

  • Comparing home insurance quotes across multiple carrier partnersnot Root Insurance
  • Bundling home coverage with auto, flood, pet or landlord add on policiesnot Root Insurance

Root Insurance

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

Where each one falls short

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

Hippo

  • No published insurance rates or premium quotes on website; uses dynamic quote model based on individual circumstances

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

Hippo

On request
  • Essential$undefined/month
    • Dwelling coverage
    • Personal property
    • Liability protection

Root Insurance

On request

No published plan breakdown. See the Root Insurance review.

Which should you pick?

Choose Hippo if

  • You need personalized quotes.
  • You work on Web, Ios, Android.
  • You also want digital policy management.
Hippo review

Choose Root Insurance if

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

Root Insurance review

Questions people ask

Is Hippo or Root Insurance better?
Neither clearly leads. Hippo 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, Hippo or Root Insurance?
Hippo starts at On request and Root Insurance at On request.
Does Hippo or Root Insurance run on more platforms?
Hippo runs on Web, Ios, Android. Root Insurance runs on Web.
What is Hippo best used for?
Hippo is most often used for comparing home insurance quotes across multiple carrier partners, bundling home coverage with auto, flood, pet or landlord add on policies. Of those, comparing home insurance quotes across multiple carrier partners and bundling home coverage with auto, flood, pet or landlord add on policies are not what Root Insurance is typically brought in for.
What can Hippo do that Root Insurance cannot?
Hippo covers Personalized quotes, Digital policy management, 24/7 customer support, Mobile app.

Answered from the vendors’ own pages

Hippo: What are Hippo's insurance rates?

Hippo does not publish specific premium rates on its website. The company offers personalized quotes from over 70 carrier partners and claims to provide affordable quotes in under 60 seconds. Actual pricing requires submitting your home information.

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
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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