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Insurance · head to head

InsurancePro vs Root Insurance

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InsurancePro

Insurance

Agency management system for small US personal lines insurance agencies, now sold by Zywave

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: InsurancePro commercial lines handling is thin next to Applied Epic or AMS360, so an agency that grows into mid-market commercial accounts will usually have to migrate rather than upgrade, and agency management migrations routinely take six months and lose historic activity notes.; Root Insurance no specific pricing rates published on website
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which InsurancePro and Root Insurance actually diverge.

Attributes where InsurancePro and Root Insurance differ
AttributeInsuranceProRoot Insurance
PlatformsWeb, Windows, iOS, AndroidWeb

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 InsurancePro

  • Policy and client records
  • TurboRater integration
  • Commission tracking
  • ACORD forms and certificates
  • Automated task lists
  • Document storage
  • Reporting
  • Download processing

Only in Root Insurance

Nothing recorded that InsurancePro does not also cover.

What people use each for

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

InsurancePro

  • A five person personal lines agency already running TurboRater that wants a management system from the same vendor so quotes flow through without rekeyingnot Root Insurance
  • An agency leaving paper files and spreadsheets that needs ACORD forms and carrier download without an enterprise implementation projectnot Root Insurance
  • A start-up agency that cannot justify Applied Epic pricing but needs commission reconciliation from day onenot Root Insurance
  • An agency owner who wants one supplier relationship covering rating, management and forms rather than stitching three vendors togethernot Root Insurance

Root Insurance

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

Where each one falls short

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

InsurancePro

  • Commercial lines handling is thin next to Applied Epic or AMS360, so an agency that grows into mid-market commercial accounts will usually have to migrate rather than upgrade, and agency management migrations routinely take six months and lose historic activity notes.
  • TurboRater is a separate purchase, so the integration that is the main reason to buy InsurancePro is only available if you pay for both products, which changes the total cost comparison against systems that include no rater at all.
  • Pricing is not published anywhere, so agencies cannot benchmark before entering a sales conversation and the quote varies with agency size and negotiation.
  • Since the Zywave acquisition the product sits inside a portfolio whose strategic focus is benefits and commercial content, which raises a real question about how much engineering investment a small personal lines AMS will attract over the next few years.
  • Carrier download coverage depends on IVANS connections that the agency must arrange with each carrier, so a new agency can spend weeks chasing download authorisations before the automation the system promises actually works.

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

InsurancePro

On request
  • InsurancePro$undefined/year
    • Agency management system
    • TurboRater integration sold separately
    • Carrier download

Root Insurance

On request

No published plan breakdown. See the Root Insurance review.

Which should you pick?

Choose InsurancePro if

  • You need policy and client records.
  • You work on Web, Windows, iOS, Android.
  • You also want turborater integration.
InsurancePro review

Choose Root Insurance if

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

Root Insurance review

Questions people ask

Is InsurancePro or Root Insurance better?
Neither clearly leads. InsurancePro 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, InsurancePro or Root Insurance?
InsurancePro starts at On request and Root Insurance at On request.
Does InsurancePro or Root Insurance run on more platforms?
InsurancePro runs on Web, Windows, iOS, Android. Root Insurance runs on Web.
What is InsurancePro best used for?
InsurancePro is most often used for a five person personal lines agency already running turborater that wants a management system from the same vendor so quotes flow through without rekeying, an agency leaving paper files and spreadsheets that needs acord forms and carrier download without an enterprise implementation project, a start-up agency that cannot justify applied epic pricing but needs commission reconciliation from day one, an agency owner who wants one supplier relationship covering rating, management and forms rather than stitching three vendors together. Of those, a five person personal lines agency already running turborater that wants a management system from the same vendor so quotes flow through without rekeying and an agency leaving paper files and spreadsheets that needs acord forms and carrier download without an enterprise implementation project are not what Root Insurance is typically brought in for.
What can InsurancePro do that Root Insurance cannot?
InsurancePro covers Policy and client records, TurboRater integration, Commission tracking, ACORD forms and certificates.

Answered from the vendors’ own pages

InsurancePro: Is InsurancePro still sold under its own name?

Yes. It is now a Zywave product, sold on the TurboRater site as InsurancePro, but it retains its own name and its own product page.

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
InsurancePro: Do I need TurboRater to use InsurancePro?

No, but without it you lose the quote-to-management data flow that is the main commercial argument for choosing this system over a rival.

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
InsurancePro: Can it handle commercial lines?

It can record commercial policies and produce commercial ACORD forms, but agencies writing substantial commercial books generally find the workflow and reporting insufficient.

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
InsurancePro: What does it cost?

Zywave does not publish pricing. Expect a quote based on agency headcount and modules, with rating licensed separately.

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