Root Insurance is a good option for tech-savvy, safe drivers looking for lower prices and a streamlined digital experience. State Farm is better suited for those who prefer a wider range of coverage options, a local agent network, and strong financial stability, despite potentially higher prices and varied customer service experiences.
| Attribute | Root Insurance | State Farm |
|---|---|---|
| Customer Service Responsiveness | Aims to be responsive using technology; some users report difficulty contacting customer service and receiving delayed responses. | Varies; extensive agent network and 24/7 support available, but some customers report issues with adjuster responsiveness and claim processing delays. |
| Policy Coverage Options | Offers standard coverage options like liability, collision, comprehensive, and uninsured/underinsured motorist coverage. Add-on options may be limited. | Offers auto, home, life, and renters insurance with various add-ons and customization options. Also offers business, motorcycle, boat, pet, and umbrella insurance. Health, disability, and identity theft protection are available. Personal and home loans are available through partners. |
| Pricing and Discounts | Pricing is often lower than average, especially for safe drivers. Discounts are given for safe driving (up to $900 per year), bundling policies, and full payment. Aims to remove credit scores as a rating factor by 2025. | Competitive rates with discounts including multi-policy, multi-vehicle, accident-free, good student, and safe driver discounts. Drive Safe & Save program offers discounts based on driving habits. Full coverage car insurance averages $2,707 per year, minimum coverage $902 per year. Home insurance averages $2,427 a year. |
| Claims Processing Speed | Aims for a streamlined, efficient claims process through its app. Some users report quick and easy claims processing, while others have experienced delays. | Varies depending on complexity; simple claims may be resolved in a few weeks, while complex claims can take several months or longer. Most claims are resolved within 30 to 45 days. |
| Mobile App Functionality | Generally user-friendly, with high ratings on iOS. Android app users have reported issues, including data collection concerns. | User-friendly app for policy management, claims filing, and payment processing. Allows users to view insurance cards, pay bills, request roadside assistance, and track claims. |
| Financial Stability Rating | Excellent financial strength rating, indicating stability. AM Best considers their financial outlook stable. A+ rating with the Better Business Bureau. | A++ (Superior) from AM Best, indicating a strong ability to meet its financial obligations. |
| Digital Accessibility | Digitally focused company, with all policy management and claims processes handled through its mobile app and website. Designed to be easy to use with simple language. | Digital content informed by WCAG 2.1 Level AA guidelines. Offers accessibility feedback form, phone support via relay services, and a dedicated mailing address for accessibility concerns. |
| User Reviews and Ratings | Mixed reviews. Some customers praise lower rates and easy claims, while others report issues with customer service and policy cancellations. 2.54 out of 5 stars on average from the Better Business Bureau. | Mixed reviews; appreciated for agent network and financial stability, but some report issues with claim processing delays and settlement disputes. J.D. Power customer satisfaction studies consistently rank State Farm above the industry average. |
| Availability of Bundled Policies | Offers discounts for bundling auto insurance with renters or homeowners insurance (through Homesite). | Offers discounts for bundling multiple policies. |
| Policy Customization Options | App allows customization of coverage options, but add-on options may be limited. | Offers a variety of customizable coverage options and policy riders. |
| Geographic Coverage Area | Available in 34 states. Not available in Washington, Idaho, Wyoming, South Dakota, Michigan, North Carolina, New York, New Jersey, Washington DC, Rhode Island, Massachusetts, Vermont, and Maine. | Offers insurance in all states except Massachusetts and Rhode Island. |
| Transparency in Policy Terms | Aims for transparency, providing clear information on its website and app. | Explains coverage well and offers transparent pricing, but some customers have reported issues with understanding policy terms and exclusions. |