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Insurance · head to head

Root Insurance vs Splice Software

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
Splice Software logo

Splice Software

Insurance

Digital transformation for insurance agents

From
$149/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Root Insurance no specific pricing rates published on website; Splice Software pricing is not published; the site says pricing fits your budget without stating any figure
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Root Insurance and Splice Software actually diverge.

Attributes where Root Insurance and Splice Software differ
AttributeRoot InsuranceSplice Software
Starting priceOn request$149/month
Pricing modelquotesubscription
PlatformsWebWeb, Ios, Android
FoundedUnknown2015

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

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 Splice Software does not also cover.

Only in Splice Software

  • Client portal
  • Policy management
  • Document management
  • Communication tools
  • Task automation
  • Client engagement tracking
  • Mobile app
  • Analytics dashboard

What people use each for

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

Root Insurance

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

Splice Software

  • Automated outbound customer messaging across voice, text and emailnot Root Insurance
  • Personalised policy and renewal notifications for insurersnot Root Insurance
  • Opt-in and consent management for outbound contactnot Root Insurance
  • Automated surveys after a customer interactionnot Root Insurance

Where each one falls short

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

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)

Splice Software

  • Pricing is not published; the site says pricing fits your budget without stating any figure
  • Sold mainly into insurance and regulated industries, and much of its value comes from integrations with systems like Duck Creek, Majesco and EZLynx

Pricing, plan by plan

Root Insurance

On request

No published plan breakdown. See the Root Insurance review.

Splice Software

$149/month
  • Core$149/month
    • Client portal
    • Policy management
    • Document sharing
  • Professional$349/month
    • All Core features
    • Advanced analytics
    • Carrier integrations

Which should you pick?

Choose Root Insurance if

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

Root Insurance review

Choose Splice Software if

  • You need client portal.
  • You work on Web, Ios, Android.
  • You also want policy management.
Splice Software review

Questions people ask

Is Root Insurance or Splice Software better?
Neither clearly leads. Root Insurance starts at On request and Splice Software at $149/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Root Insurance or Splice Software?
Root Insurance starts at On request and Splice Software at $149/month.
Does Root Insurance or Splice Software run on more platforms?
Root Insurance runs on Web. Splice Software runs on Web, Ios, Android.
What is Root Insurance best used for?
Root Insurance is most often used for obtaining lower premiums through telematics-based driving behavior assessment, stabilizing insurance costs for budget-conscious and single-parent drivers, filing claims through mobile app within three minutes, accessing roadside assistance for towing and emergency lockout services. Of those, obtaining lower premiums through telematics-based driving behavior assessment and stabilizing insurance costs for budget-conscious and single-parent drivers are not what Splice Software is typically brought in for.
What can Root Insurance do that Splice Software cannot?
Splice Software covers Client portal, Policy management, Document management, Communication tools.

Answered from the vendors’ own pages

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
Splice Software: How much does Splice Software cost?

Splice Software does not publish specific pricing rates online. The website states 'Pricing that fits your budget,' but directs customers to request a custom demo or contact the company directly to discuss pricing based on their individual needs.

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
Splice Software: What is Splice Software's pricing model?

Pricing is customized per customer. Interested users must sign in to the application portal, request a demo, or contact Splice directly to receive a quote tailored to their specific requirements.

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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