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Insurance · head to head

Root Insurance vs Verisk

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
Verisk logo

Verisk

Insurance

Insurance data, ISO forms and rating content that most American P&C products are built on

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Root Insurance no specific pricing rates published on website; Verisk the ISO content has no real substitute for a carrier writing standard lines, so renewal negotiations start from a position where walking away is not credible.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

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

Attributes where Root Insurance and Verisk differ
AttributeRoot InsuranceVerisk
PlatformsWebWeb, API, Windows

Identical on both: starting price (On request), pricing model (quote), 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 Verisk does not also cover.

Only in Verisk

  • ISO forms and rating content
  • ClaimSearch
  • Extreme event models
  • Property data
  • Xactimate
  • Underwriting analytics

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 Verisk
  • Stabilizing insurance costs for budget-conscious and single-parent driversnot Verisk
  • Filing claims through mobile app within three minutesnot Verisk
  • Accessing roadside assistance for towing and emergency lockout servicesnot Verisk
  • Earning referral rewards by recommending to other driversnot Verisk

Verisk

  • A carrier filing standard commercial lines products that must use recognised forms and loss costsnot Root Insurance
  • A claims organisation checking submitted claims against the industry database for prior activitynot Root Insurance
  • A property insurer pricing catastrophe exposure for reinsurance placementnot Root Insurance
  • An MGA that needs bureau content without building and filing proprietary forms in every statenot 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)

Verisk

  • The ISO content has no real substitute for a carrier writing standard lines, so renewal negotiations start from a position where walking away is not credible.
  • Pricing is negotiated separately per product and per line, and large insurers routinely find overlapping agreements across underwriting, claims and actuarial that nobody had counted together.
  • Circular updates to forms and loss costs must be loaded into your policy system on a schedule, which is recurring work that carriers with older platforms do partly by hand.
  • The breadth of the portfolio means account management is spread across product teams, so a problem in one service does not necessarily get attention from the people selling you another.
  • Usage-based components such as data prefill and claims searches make annual spend hard to forecast, and the variance lands in the year you grow fastest.

Pricing, plan by plan

Root Insurance

On request

No published plan breakdown. See the Root Insurance review.

Verisk

On request
  • Verisk Insurance Solutions$undefined/year
    • ISO forms and loss cost licensing
    • Data and analytics services by line
    • API access

Which should you pick?

Choose Root Insurance if

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

Root Insurance review

Choose Verisk if

  • You need iso forms and rating content.
  • You work on Web, API, Windows.
  • You also want claimsearch.
Verisk review

Questions people ask

Is Root Insurance or Verisk better?
Neither clearly leads. Root Insurance starts at On request and Verisk at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Root Insurance or Verisk?
Root Insurance starts at On request and Verisk at On request.
Does Root Insurance or Verisk run on more platforms?
Root Insurance runs on Web. Verisk runs on Web, API, Windows.
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 Verisk is typically brought in for.
What can Root Insurance do that Verisk cannot?
Verisk covers ISO forms and rating content, ClaimSearch, Extreme event models, Property data.

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
Verisk: Can a carrier avoid ISO content entirely?

Only by developing and filing proprietary forms and rates, which a handful of large insurers do. For everyone else the filing and legal cost of independence exceeds the licence.

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
Verisk: Is Xactimate part of Verisk?

Yes. It came with the Xactware acquisition and is the dominant property claims estimating tool in North America, used by carriers and by the contractors they pay.

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
Verisk: Did Verisk sell off businesses?

Yes. It divested non-insurance units including its energy research business in 2023 and refocused on insurance data and analytics.

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