AAA vs Root Car Insurance for 2023
AAA vs. Root Car Insurance Comprehensive Comparison of Rates, Coverage Options, and Customer Service to Help You Make an Informed Decision on Your Car Insurance Provider.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Melanie Musson
Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...
Published Insurance Expert
UPDATED: Mar 21, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Mar 21, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
AAA vs Root Car Insurance: A Comprehensive Comparison
Car insurance is essential for drivers to protect themselves and their vehicles from unforeseen accidents and incidents. When it comes to choosing the right car insurance provider, there are numerous options to consider. Two popular providers are AAA and Root. In this article, we will compare the offerings of AAA and Root car insurance to help you make an informed decision.
Here are some key differences between AAA and Root car insurance offerings:
- Offers a variety of coverage options and insurance products including auto, home, renters, and life insurance
- Provides roadside assistance services
- Operates as a membership-based organization, providing exclusive benefits and discounts to members
- Specializes in usage-based car insurance, which is based on individual driving habits and behavior
- Offers a mobile app that tracks driving behavior and determines insurance rates
- Provides a unique “Test Drive” option that allows customers to try their insurance coverage for two to three weeks before committing to a policy
Now, let’s dive deeper into the comparison by exploring various categories, including the companies’ history and mission, the products and services they offer, the cost of those services, the states where their services are offered, the different types of discounts available to customers, and customer reviews of each company.
AAA and Root History and Mission
AAA Car Insurance:
- Established in 1902, AAA has been providing insurance and other services for over a century
- The company’s mission is to provide peace of mind to members by offering quality roadside assistance, travel, insurance, and financial services
Root Car Insurance:
- Founded in 2015, Root is a relatively new entrant in the car insurance industry
- The company’s mission is to use data and technology to disrupt the traditional insurance model and offer more personalized and affordable insurance options
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Main Products and Services Offered by AAA vs Root
AAA Car Insurance:
- Offers a wide range of insurance products including auto, home, renters, and life insurance
- Provides roadside assistance services, including emergency towing, battery service, flat tire assistance, and more
- Offers travel services such as trip planning, hotel and car rental reservations, and discounts on travel-related products and services
Root Car Insurance:
- Specializes in usage-based car insurance, which is based on individual driving habits and behavior
- Offers personalized car insurance rates based on a driver’s behavior and driving history, as tracked by the Root mobile app
- Provides a unique “Test Drive” option that allows customers to try their insurance coverage for two to three weeks before committing to a policy
Cost of Coverage From AAA vs Root
AAA Car Insurance:
- The cost of AAA’s insurance products varies depending on the type and level of coverage, as well as other factors such as the driver’s age, location, and driving history
- AAA offers various discounts, such as multi-policy, safe driver, and loyalty discounts, which can help customers save on their premiums
Root Car Insurance:
- Root’s car insurance rates are based on individual driving behavior and history, as tracked by the Root mobile app
- The company claims that its rates can be up to 52% lower than traditional insurance rates for good drivers
- Root does not offer as many discounts as AAA, but it does provide discounts for safe driving and referring friends to the company
States Where AAA and Root Car Insurance are Offered
AAA Car Insurance:
- AAA operates in 48 states, as well as the District of Columbia and Puerto Rico
- The company’s coverage and services may vary by state
Root Car Insurance:
- Root is currently available in 30 states, with plans to expand to additional states in the future
- The company’s coverage and services may vary by state
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Discounts Available to Customers of AAA vs Root
Root Car Insurance:
- Provides discounts for safe driving, as determined by the Root mobile app’s analysis of driving behavior
- Offers a referral program, where customers can earn rewards for referring friends and family to Root
- Provides occasional discounts or promotions through the mobile app or website
AAA Car Insurance:
- Offers a variety of discounts, including multi-policy, safe driver, loyalty, and student discounts
- AAA members can also access exclusive discounts on travel-related products and services, such as rental cars, hotels, and attractions
- Provides occasional discounts or promotions through the AAA website or local branches
Customer Reviews of AAA vs Root
AAA Car Insurance:
- According to J.D. Power’s 2021 U.S. Auto Insurance Study, AAA received a score of 869 out of 1,000 in overall customer satisfaction, which is above the industry average.
- On Trustpilot, AAA has a rating of 3.1 out of 5 stars, with some customers praising the company’s excellent customer service and others expressing frustration with the claims process.
Root Car Insurance:
- Root has mixed reviews, with some customers praising the company’s innovative approach to car insurance and others expressing frustration with the mobile app or the claims process.
- According to J.D. Power’s 2021 U.S. Auto Insurance Study, Root received a score of 842 out of 1,000 in overall customer satisfaction, which is slightly below the industry average.
FAQs: AAA vs Root Car Insurance
Q: What are the main differences between AAA and Root Car Insurance?
A: AAA and Root Car Insurance differ in their pricing model, coverage options, and customer service approach. AAA offers a range of discounts and add-ons for its members, while Root uses telematics technology to determine a driver’s risk profile.
Q: Which car insurance provider is cheaper, AAA or Root?
A: On average, Root Car Insurance tends to be cheaper than AAA car insurance. However, rates can vary widely depending on the driver’s risk level and other factors.
Q: Does AAA or Root Car Insurance offer better coverage options?
A: AAA and Root Car Insurance both offer a range of coverage options, but AAA offers more add-ons, such as roadside assistance and rental car coverage.
Q: Which car insurance provider has better customer service?
A: Both AAA and Root Car Insurance have received positive reviews for their customer service, but AAA has a stronger reputation due to its long history in the industry and a wider range of customer service options.
Q: Can I save money by bundling my car insurance with other insurance products with either AAA or Root Car Insurance?
A: Yes, both AAA and Root Car Insurance offer discounts for bundling car insurance with other insurance products, such as home or life insurance. However, the exact discounts may vary depending on the provider and the policy.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Melanie Musson
Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...
Published Insurance Expert
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.