Softwr

Insurance · head to head

Pie Insurance vs Root Insurance

Pie Insurance logo

Pie Insurance

Insurance

Small business workers compensation and commercial insurance sold by online quote

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: Pie Insurance no pricing published on website; custom quotes required based on coverage needs; 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 Pie Insurance and Root Insurance actually diverge.

Attributes where Pie Insurance and Root Insurance differ
AttributePie InsuranceRoot 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.

Pie Insurance

  • Workers compensation insurancenot Root Insurance
  • Business liability coveragenot Root Insurance
  • Commercial property insurancenot Root Insurance

Root Insurance

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

Where each one falls short

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

Pie Insurance

  • No pricing published on website; custom quotes required based on coverage needs
  • Savings claims (up to 30%) vary by individual quote and are unavailable for Workers' Compensation policies in Wisconsin
  • Discounts and pricing vary among insurers underwriting specific policy types

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

Pie Insurance

On request

No published plan breakdown. See the Pie Insurance review.

Root Insurance

On request

No published plan breakdown. See the Root Insurance review.

Which should you pick?

Choose Pie Insurance if

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

Pie Insurance review

Choose Root Insurance if

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

Root Insurance review

Questions people ask

Is Pie Insurance or Root Insurance better?
Neither clearly leads. Pie Insurance 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, Pie Insurance or Root Insurance?
Pie Insurance starts at On request and Root Insurance at On request.
Does Pie Insurance or Root Insurance run on more platforms?
Both run on Web, so platform support will not decide this one for you.
What is Pie Insurance best used for?
Pie Insurance is most often used for workers compensation insurance, business liability coverage, commercial property insurance. Of those, workers compensation insurance and business liability coverage are not what Root Insurance is typically brought in for.

Answered from the vendors’ own pages

Pie Insurance: How much does Pie insurance cost?

Pie Insurance does not publish specific pricing on its website. Customers must request a personalized quote through their online portal to receive pricing, which takes approximately 3 minutes.

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
Pie Insurance: How does Pie Insurance determine pricing?

Pie uses data-driven insurance technology to ensure competitive pricing. Individual quotes and coverage determinations are made on a case-by-case basis after customers provide business information.

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
Share

Related pages

More on Pie Insurance

More on Root Insurance

Keep looking

Other head to heads