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Insurance · head to head

Openly vs Root Insurance

Openly logo

Openly

Insurance

Customizable homeowners insurance sold only through independent agents

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: Openly available in only 24 states as of August 2026, with Nevada still listed as coming soon; 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 Openly and Root Insurance actually diverge.

Attributes where Openly and Root Insurance differ
AttributeOpenlyRoot Insurance

Identical on both: starting price (On request), pricing model (quote), 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.

Openly

  • Getting home insurance quotes with guaranteed replacement cost coveragenot Root Insurance
  • Customizing homeowners insurance policies with specific coverage limitsnot Root Insurance
  • Filing and managing property damage claims through digital workflowsnot Root Insurance
  • Accessing insurance coverage across multiple US states through independent agentsnot Root Insurance

Root Insurance

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

Where each one falls short

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

Openly

  • Available in only 24 states as of August 2026, with Nevada still listed as coming soon
  • Policies are not sold directly to consumers; coverage must be obtained through an independent agent, as of August 2026

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

Openly

On request

No published plan breakdown. See the Openly review.

Root Insurance

On request

No published plan breakdown. See the Root Insurance review.

Which should you pick?

Choose Openly if

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

Openly review

Choose Root Insurance if

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

Root Insurance review

Questions people ask

Is Openly or Root Insurance better?
Neither clearly leads. Openly 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, Openly or Root Insurance?
Openly starts at On request and Root Insurance at On request.
Does Openly or Root Insurance run on more platforms?
Both run on Web, so platform support will not decide this one for you.
What is Openly best used for?
Openly is most often used for getting home insurance quotes with guaranteed replacement cost coverage, customizing homeowners insurance policies with specific coverage limits, filing and managing property damage claims through digital workflows, accessing insurance coverage across multiple us states through independent agents. Of those, getting home insurance quotes with guaranteed replacement cost coverage and customizing homeowners insurance policies with specific coverage limits are not what Root Insurance is typically brought in for.

Answered from the vendors’ own pages

Openly: How much does Openly cost?

Openly does not publish pricing on its website. The company operates through independent agency partners who provide customized quotes. To obtain coverage pricing, customers must contact a local independent agent or request a quote through mylifeprotected.com/openly.

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
Openly: What is Openly's pricing model?

Openly uses a partnership model rather than direct sales. Insurance policies are sold through independent agency partners, with pricing determined on a case-by-case basis through customized quotes.

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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