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Next Insurance vs Root Insurance

Next Insurance logo

Next Insurance

Insurance

Digital small business insurance with instant online quotes

From
$19/month
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: Next Insurance pricing varies by coverage type and business; Root Insurance no specific pricing rates published on website
  • Prices and features above were last checked on 29 August 2026.

Where they differ

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

Attributes where Next Insurance and Root Insurance differ
AttributeNext InsuranceRoot Insurance
Starting price$19/monthOn request
Pricing modelusage-basedquote

Identical on both: free tier (No), platforms (Web), user rating (Not yet rated), category (Insurance).

What people use each for

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

Next Insurance

  • Obtaining customized insurance quotes for specific business typesnot Root Insurance
  • Purchasing general liability and workers' compensation coveragenot Root Insurance
  • Managing policies and accessing certificates of insurance onlinenot Root Insurance
  • Filing and tracking insurance claims with licensed advisorsnot Root Insurance

Root Insurance

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

Where each one falls short

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

Next Insurance

  • Pricing varies by coverage type and business
  • Quote obtained in less than 10 minutes

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

Next Insurance

$19/month
  • General Liability$19/month
    • Starting price for general liability insurance

Root Insurance

On request

No published plan breakdown. See the Root Insurance review.

Which should you pick?

Choose Next Insurance if

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

Next Insurance review

Choose Root Insurance if

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

Root Insurance review

Questions people ask

Is Next Insurance or Root Insurance better?
Neither clearly leads. Next Insurance starts at $19/month and Root Insurance at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Next Insurance or Root Insurance?
Next Insurance starts at $19/month and Root Insurance at On request.
Does Next Insurance or Root Insurance run on more platforms?
Both run on Web, so platform support will not decide this one for you.
What is Next Insurance best used for?
Next Insurance is most often used for obtaining customized insurance quotes for specific business types, purchasing general liability and workers' compensation coverage, managing policies and accessing certificates of insurance online, filing and tracking insurance claims with licensed advisors. Of those, obtaining customized insurance quotes for specific business types and purchasing general liability and workers' compensation coverage are not what Root Insurance is typically brought in for.

Answered from the vendors’ own pages

Next Insurance: How much does NEXT Insurance cost?

NEXT Insurance general liability coverage starts at 19 dollars per month. The company provides customizable coverage through an AI-driven quote system. Discounts are available when you bundle multiple policies.

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
Next Insurance: What types of coverage does NEXT offer?

NEXT offers general liability insurance, workers compensation, business owner's policy, professional liability, commercial property, commercial auto, tools and equipment, employment practices liability, product liability, and liquor liability insurance for 1300 plus business types.

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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