Root vs Allstate
Last updated July 2026
Root Insurance
Fair rates based on how you drive
Advantages
- Rates primarily based on how you actually drive
- App-based quoting and claims
- Consistently safe drivers get some of the lowest rates on the market
- No demographic penalties for age or credit in most markets
- Roadside assistance available as an affordable add-on
Drawbacks
- Not available in every state
- Requires 2-3 week driving test before quoting
- No agent network for in-person support
Allstate
You're in good hands
Advantages
- Huge agent network for in-person quotes and service
- Drivewise telematics with cash-back rewards
- Deep multi-policy discounts across auto, home, life, and umbrella
- Accident forgiveness and new-car replacement available as add-ons
- Strong financial strength and consistent claim outcomes
Drawbacks
- Base rates skew higher than direct-sold competitors
- Some coverages require premium tier
- App experience trails Progressive and Geico
Root and Allstate sit on nearly opposite ends of the auto insurance market. Root's rate is your driving score, delivered through an app in a couple of weeks. Allstate is a traditional carrier with a huge agent network and rich bundling menus. Whether you want an app-only insurer or a full-service agent relationship decides it.
Feature Comparison
| Feature | Root Insurance | Allstate |
|---|---|---|
| Typical Monthly Cost | Varies by driving score; avg $80-$140/mo | Avg $155-$210/mo before discounts |
| Quote Process | App-based driving test over 2-3 weeks | Local agent, online, or phone |
| Available Discounts | Safe driving, multi-policy, homeowner | Drivewise, safe driver, early signing, multi-policy |
| Claims Experience | In-app filing, digital estimates | Agent-assisted, QuickFoto, 24/7 phone |
| Customer Support | In-app chat, phone, email | Local agents, phone, app, online |
| Coverage Options | Liability, comprehensive, collision, roadside | Liability, collision, comprehensive, umbrella, rideshare |
| Mobile App Quality | Excellent, core product is app-first | Good, claims, ID cards, Drivewise |
| Bundling Options | Renters only | Auto, home, renters, life, umbrella, motorcycle |
Allstate Wins
Allstate wins for most households. Root only makes sense for safe drivers with no home to bundle and a strong preference for app-only insurance.
Root's driving-score pricing is genuinely compelling if you clear its test with a high score, but its lack of bundling and thin coverage menu make it a hard sell for anyone with a home, life insurance needs, or a family with multiple drivers. Allstate is the more complete option for the average household, and its bundling savings can bring the effective auto premium below Root's for homeowners.
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