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Insurance · head to head

Root Insurance vs Hippo

R

Root Insurance

Insurance

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

From
On request
Rated
-
Full reviewWebsite
Hippo logo

Hippo

Insurance

Homeowners insurance reimagined

From
On request
Rated
-
Full reviewWebsite

The short version

  • 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; Hippo no premium figures are published; the site names only Basic and Enhanced coverage tiers and routes every quote through comparing personalized rates from over 70 carrier partners rather than Hippo's own underwriting

Where they differ

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

Attributes where Root Insurance and Hippo differ
AttributeRoot InsuranceHippo
PlatformsWebWeb, Ios, Android
CategoryInsuranceUnknown
FoundedUnknown2015

Identical on both: starting price (On request), pricing model (quote), free tier (No), user rating (Not yet rated).

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 Hippo does not also cover.

Only in Hippo

  • Personalized quotes
  • Digital policy management
  • 24/7 customer support
  • Mobile app
  • Smart home integrations
  • Claims support
  • Customizable coverage
  • Instant policy changes

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.

Hippo

  • Comparing home insurance quotes across multiple carrier partnersnot Root Insurance
  • Bundling home coverage with auto, flood, pet or landlord add on policiesnot 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

Hippo

  • No premium figures are published; the site names only Basic and Enhanced coverage tiers and routes every quote through comparing personalized rates from over 70 carrier partners rather than Hippo's own underwriting

Pricing, plan by plan

Root Insurance

On request

No published plan breakdown. See the Root Insurance review.

Hippo

On request
  • Essential$undefined/month
    • Dwelling coverage
    • Personal property
    • Liability protection

Which should you pick?

Choose Root Insurance if

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

Root Insurance review

Choose Hippo if

  • You need personalized quotes.
  • You work on Web, Ios, Android.
  • You also want digital policy management.
Hippo review

Questions people ask

Is Root Insurance or Hippo better?
Neither clearly leads. Root Insurance starts at On request and Hippo at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Root Insurance or Hippo?
Root Insurance starts at On request and Hippo at On request.
Does Root Insurance or Hippo run on more platforms?
Root Insurance runs on Web. Hippo runs on Web, Ios, Android.
What can Root Insurance do that Hippo cannot?
Hippo covers Personalized quotes, Digital policy management, 24/7 customer support, Mobile app.
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