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Root Insurance vs Bold Penguin

R

Root Insurance

Software

Car insurance priced primarily on driving behavior measured through an app test drive

From
On request
Rated
-
Full reviewWebsite
Bold Penguin logo

Bold Penguin

Software

Business insurance marketplace for brokers

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Bold Penguin has a free tier, so it costs nothing to try first.
  • Each has a real cost: Root Insurance telematics based pricing is not used in California and Maryland, where the core driving-behavior pricing model does not apply, as of August 2026; Bold Penguin sold to brokers, carriers and MGAs rather than to the businesses buying insurance

Where they differ

Only the attributes on which Root Insurance and Bold Penguin actually diverge.

Attributes where Root Insurance and Bold Penguin differ
AttributeRoot InsuranceBold Penguin
Starting priceOn requestFree
Pricing modelquotetransaction
Free tierNoYes
PlatformsWebWeb, Ios, Android
FoundedUnknown2019

Identical on both: user rating (Not yet rated), category (Unknown).

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 Root Insurance

Nothing recorded that Bold Penguin does not also cover.

Only in Bold Penguin

  • Multi-carrier quoting
  • Instant quotes
  • Online binding
  • Customer portal
  • Commission tracking
  • Mobile app
  • API access
  • Reporting

What people use each for

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

Root Insurance

No use cases recorded yet. See the Root Insurance review.

Bold Penguin

  • Routing and triaging commercial insurance submissionsnot Root Insurance
  • Automating submission to bind through the Terminal platformnot Root Insurance
  • Handling complex middle market submissions with SubmissionLinknot Root Insurance
  • Policy checking with ClauseLinknot Root Insurance

Where each one falls short

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

Root Insurance

  • Telematics based pricing is not used in California and Maryland, where the core driving-behavior pricing model does not apply, as of August 2026
  • No base premium is published; quotes require completing a several week app-based test drive before a rate is shown, as of August 2026

Bold Penguin

  • Sold to brokers, carriers and MGAs rather than to the businesses buying insurance
  • Pricing is not published

Pricing, plan by plan

Root Insurance

On request

No published plan breakdown. See the Root Insurance review.

Bold Penguin

Free
  • Broker AccessFree
    • Multi-carrier quotes
    • Instant quoting
    • Commission tracking

Which should you pick?

Choose Root Insurance if

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

Root Insurance review

Choose Bold Penguin if

  • You need multi-carrier quoting.
  • You want to start without paying.
  • You work on Web, Ios, Android.
  • You also want instant quotes.
Bold Penguin review

Questions people ask

Is Root Insurance or Bold Penguin better?
Neither clearly leads. Root Insurance starts at On request and Bold Penguin at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Root Insurance or Bold Penguin?
Bold Penguin has a free tier; the other does not. Paid plans start at On request for Root Insurance and Free for Bold Penguin.
Does Root Insurance or Bold Penguin run on more platforms?
Root Insurance runs on Web. Bold Penguin runs on Web, Ios, Android.
Can I use Bold Penguin for free?
Yes. Bold Penguin has a free tier, so you can try it without paying. Root Insurance starts at On request.
What can Root Insurance do that Bold Penguin cannot?
Bold Penguin covers Multi-carrier quoting, Instant quotes, Online binding, Customer portal.
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