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Insurance · head to head

Insureon vs Root Insurance

Insureon logo

Insureon

Insurance

Fast and easy business insurance online

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: Insureon the Internet Archive's capture of Insureon's small business insurance page on 20 December 2019 confirmed it compares quotes from multiple carriers rather than publishing fixed prices, stating cost depends on industry and risk factors, coverage limits, location, and number of employees.; 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 Insureon and Root Insurance actually diverge.

Attributes where Insureon and Root Insurance differ
AttributeInsureonRoot Insurance
PlatformsWeb, Ios, AndroidWeb
Founded2017Unknown

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 Insureon

  • Fast quotes
  • Instant online binding
  • Coverage customization
  • Online policy management
  • 24/7 customer support
  • Mobile app
  • Document access
  • Claims assistance

Only in Root Insurance

Nothing recorded that Insureon does not also cover.

What people use each for

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

Insureon

  • Fast insurance procurementnot Root Insurance

Root Insurance

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

Where each one falls short

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

Insureon

  • The Internet Archive's capture of Insureon's small business insurance page on 20 December 2019 confirmed it compares quotes from multiple carriers rather than publishing fixed prices, stating cost depends on industry and risk factors, coverage limits, location, and number of employees.

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

Insureon

On request
  • General Liability$undefined/month
    • Fast quotes
    • Instant binding
    • Multiple coverage options

Root Insurance

On request

No published plan breakdown. See the Root Insurance review.

Which should you pick?

Choose Insureon if

  • You need fast quotes.
  • You work on Web, Ios, Android.
  • You also want instant online binding.
Insureon review

Choose Root Insurance if

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

Root Insurance review

Questions people ask

Is Insureon or Root Insurance better?
Neither clearly leads. Insureon 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, Insureon or Root Insurance?
Insureon starts at On request and Root Insurance at On request.
Does Insureon or Root Insurance run on more platforms?
Insureon runs on Web, Ios, Android. Root Insurance runs on Web.
What is Insureon best used for?
Insureon is most often used for fast insurance procurement. Of those, fast insurance procurement is not what Root Insurance is typically brought in for.
What can Insureon do that Root Insurance cannot?
Insureon covers Fast quotes, Instant online binding, Coverage customization, Online policy management.

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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