How Do you Contact Root Insurance Customer Service?

Last Updated on February 28, 2024

Root Insurance is an online car insurance company headquartered in Columbus, Ohio.

Since launching in 2015, Root Insurance has grown to offer car insurance in 34 states. The company’s largest markets include Texas, Georgia, and Colorado, which account for roughly one-third of all Root Insurance policyholders. Root Insurance has around 300,000 policies across the United States.

Root is also a publicly traded company (Nasdaq: ROOT). The company made $750 million during its IPO at $27 per share (equivalent to $400 per share after the stock split), beating insurance industry expectations in one of the largest IPOs in industry history. As of early 2024, ROOT shares are down 98% and are available for less than $10 per share.

Today, Root Insurance aims to distinguish itself from competitors by emphasizing low rates based on driver tracking data. The Root Insurance app uses your driving behavior to give you the rate you deserve. According to the official website, some customers have saved up to $1,000 by switching to Root Insurance.

You can contact Root Insurance and the company’s customer service team via the following:

Does Root Insurance Have 24/7 Customer Service?

Root Insurance does not have 24/7 customer service. However, you can report a claim and make certain policy changes via the mobile app 24/7.

Root Insurance’s general customer service team is available Monday to Friday from 9am to 8pm EST. The company also seeks to respond to all emails within 48 hours, regardless of when you contact them.

Although you can report a claim 24/7, the Root Insurance claims team is available on Monday to Friday from 9am to 5pm EST.

What Are Root Insurance’s Customer Service Hours?

Root Insurance maintains the following customer service hours:

  • 24/7 claims reporting
  • 9am to 8pm EST for general customer service
  • 9am to 5pm EST for claims department
  • 24/7 roadside assistance

How Do You Contact Root Insurance?

You can contact Root Insurance via the following:

  • To reach the company’s general customer service line, call 866-980-9431 or email 
  • To file a new claim with Root Insurance, call 866-980-9431
  • To check on an existing claim, call 866-489-1985
  • Mail the company’s headquarters at 80 E Rich Street, Suite 500, Columbus, OH 43215
  • Email the company at
  • For Root Insurance renters insurance claims, call 866-980-9431 (for new claims) or 866-489-1985 (for existing claims)
  • For Root Insurance home insurance claims, call 844-208-0665 or file a claim 24/7 in the app

You can also contact Root Insurance or manage your account via the mobile apps for iOS and Android.

Does Root Insurance’s Customer Service Have Good Reviews?

According to the official Root Insurance website (, the company has 65,000+ reviews and counting, including a 4.7-star rating in app stores.

Here are some of the reviews for Root Insurance found online at the official website and through other sources:

  • The official website is filled with glowing praise for Root Insurance. Customers have left positive reviews for the company, mostly for its affordable pricing. Some customers claim they saved hundreds of dollars by making the switch, for example, with one driver saving over $1,000 a year.
  • Root Insurance has average to strong ratings overall from industry media websites. MarketWatch gave Root Insurance a 7.8 star rating out of 10, for example, while Value Penguin gave it a 70% rating.
  • As reported by Car and Driver, many Root Insurance complaints come from customers who found it difficult to contact customer service and deal with claims.
  • Because Root Insurance does most business through the Root Insurance app, it’s difficult to contact a live person, for example, if you have a unique situation or a question about your claim. If you’re the type of driver who likes dealing with human customer service representatives, then Root Insurance may not be the right choice. However, Root Insurance seems to have recently addressed these concerns, as it’s easy to call or email Root Insurance via multiple methods.
  • Root Insurance, like most insurers, has poor ratings on the Better Business Bureau (BBB) website, including an average score of 1.15 star out of 5 with 260+ customer reviews. The company does, however, have an A+ rating. Customers complain about difficult claim processing, customer service representatives that are difficult to contact, and an unsatisfactory refund process after cancellation, among other issues.
  • Users on Reddit have mixed things to say about Root Insurance. Some Redditors have been attracted to Root Insurance by the low rates, only to find the company increased their rates on their first or second renewal. Other Redditors, however, have found they saved hundreds of dollars per month by tracking safe driving behavior with the Root Insurance mobile app.

Overall, Root Insurance emphasizes affordable premiums for safe drivers who track their driving behavior using the Root Insurance mobile app. Some drivers are able to save a lot of money through this data-driven system and are satisfied with Root Insurance overall, while others are not.

How Do You File a Claim?

You can file a claim with Root Insurance 24 hours a day, seven days a week.

Although you can report a claim 24/7, the company’s claims team is available during normal business hours (Monday to Friday from 9am to 5pm EST).

To file a claim:

  • File a claim in the Root Insurance mobile app or online form at
  • Call 866-980-9431 to file a new claim
  • Call 866-489-1985 to check on an existing claim

How Do You Get Roadside Assistance?

All Root Insurance policies come with roadside assistance at no extra cost. If you’re a Root Insurance policyholder, you already have roadside assistance.

You can request roadside assistance through the Root Insurance mobile app:

  1. Open the Root Insurance mobile app
  2. Select File a Claim at the bottom of your home screen
  3. Choose Roadside Assistance

You’ll pay nothing extra if it’s a standard roadside assistance claim (like towing, jumpstarts, spare tire installation, or fuel delivery). If additional service is required, then Root Insurance may display additional charges through the app, and you can pay directly.

Root Insurance’s roadside assistance covers any service up to $100, up to 3 times per vehicle, per 6-month policy period.

How Do You Get a Quote?

You can get a quote through the official Root Insurance website at

  • Click the “Get a Quote” button at for an immediate quote
  • Or, visit to get a quote immediately

Root Insurance provides insurance quotes in a different way than other providers. The company estimates pricing upfront and then uses the mobile app to track your driving behavior to assign a customized quote. The safer you drive, the lower your insurance premiums will be.

James Shaffer
James Shaffer James Shaffer is a writer for and a well-seasoned auto insurance industry veteran. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. He is responsible for researching and writing about anything auto insurance-related. He holds a bachelor's degree from Bentley University and his work has been quoted by NBC News, CNN, and The Washington Post.
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