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Insurance · head to head

Root Insurance vs Vertafore AMS360

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
Vertafore AMS360 logo

Vertafore AMS360

Insurance

Modern agency management for growing agencies

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Root Insurance no specific pricing rates published on website; Vertafore AMS360 no pricing is published, and the product page states no rate, tier or cost driver
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Root Insurance and Vertafore AMS360 actually diverge.

Attributes where Root Insurance and Vertafore AMS360 differ
AttributeRoot InsuranceVertafore AMS360
Pricing modelquotesubscription
PlatformsWebWeb, Windows, Ios, Android
FoundedUnknown1969

Identical on both: starting price (On request), 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 Vertafore AMS360 does not also cover.

Only in Vertafore AMS360

  • Policy management
  • Integrated accounting
  • Real-time carrier downloads
  • Document management
  • Workflow automation
  • Business intelligence
  • Commission management
  • Client portal

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 Vertafore AMS360
  • Stabilizing insurance costs for budget-conscious and single-parent driversnot Vertafore AMS360
  • Filing claims through mobile app within three minutesnot Vertafore AMS360
  • Accessing roadside assistance for towing and emergency lockout servicesnot Vertafore AMS360
  • Earning referral rewards by recommending to other driversnot Vertafore AMS360

Vertafore AMS360

  • Agency management for insurance brokers, covering policies and clientsnot Root Insurance
  • Tracking commissions, renewals and accounting for an insurance agencynot 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)

Vertafore AMS360

  • No pricing is published, and the product page states no rate, tier or cost driver
  • The only route to a figure is a phone call or contact form

Pricing, plan by plan

Root Insurance

On request

No published plan breakdown. See the Root Insurance review.

Vertafore AMS360

On request
  • AMS360$undefined/month
    • Policy management
    • Integrated accounting
    • Real-time downloads
  • AMS360 Plus$undefined/month
    • All AMS360 features
    • Advanced analytics
    • API access

Which should you pick?

Choose Root Insurance if

Nothing in the data separates Root Insurance from Vertafore AMS360 on the points above - pick on price and on how each one feels to use.

Root Insurance review

Choose Vertafore AMS360 if

  • You need policy management.
  • You work on Web, Windows, Ios, Android.
  • You also want integrated accounting.
Vertafore AMS360 review

Questions people ask

Is Root Insurance or Vertafore AMS360 better?
Neither clearly leads. Root Insurance starts at On request and Vertafore AMS360 at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Root Insurance or Vertafore AMS360?
Root Insurance starts at On request and Vertafore AMS360 at On request.
Does Root Insurance or Vertafore AMS360 run on more platforms?
Root Insurance runs on Web. Vertafore AMS360 runs on Web, Windows, 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 Vertafore AMS360 is typically brought in for.
What can Root Insurance do that Vertafore AMS360 cannot?
Vertafore AMS360 covers Policy management, Integrated accounting, Real-time carrier downloads, Document management.

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
Vertafore AMS360: How much does AMS360 cost?

AMS360 pricing is not published online. To obtain pricing information, contact Vertafore directly at 1-800-444-4813 or use the Request Info form on their website.

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
Vertafore AMS360: What results can agencies expect from AMS360?

According to Vertafore, agencies using AMS360 have seen up to 26% revenue growth without adding employees.

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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