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Root SR22 Insurance: Is Root Insurance right for me?

Root requires drivers to install its mobile app and perform test driving for several weeks while the app monitors the driving behavior in the background. The final preimum the driver pays for the car insurance is partly determined by the driving score calculated during the test drive. Root claims to be insuring only good drivers in order to keep premiums lower than other providers.

Root provides car insurance to drivers only in 30 U.S. states:

Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Georgia, Illinois, Indiana, Iowa, Kentuky, Louisiana, Maryland, Mississippi, Missouri, Montana, Nebraska, Nebraska, Nevada , New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, West Virginia and soon will be operating in following states - Alabama, Alaska, Hawaii, New Hampshire, North Carolina, Washington, Washington DC.

Why do I need SR-22?

Though it is commonly referred as "SR-22 Insurance", SR22 not an insurance. It is simply a document provided by the insurance company such as Roots that proves the driver has the liability coverage on the car insurance policy as mandated by the state's Department of Motor Vehicles (DMV).

If your license is suspended for any moving violations or you are convicted of a more serious driving-related offense then the state's DMV will likely need you to obtain an SR-22 from a licensed auto insurance company in order for you to get your license reinstated.

The SR22 insurance certifies that you have the state-mandated minimum car insurance coverage required to drive or to have your license reinstated after being convicted of one of a few serious driving offenses such as a DUI conviction, an uninsured car crash/auto accident etc.,

Does Root provide SR22?

If you are a Root customer, you can easily get an SR-22 through its app. Though it might take a few days for the state to receive the paperwork, your SR-22 begins on your policy start date, or the day an SR-22 driver is added to your policy.

You can request your SR-22 form directly through the app by choosing right options: Auto Policy >> Document Requests >> SR-22. The app will guide you through the process.

Why choose Root as your SR22 insurance provider?

While traditional car insurance companies rely heavily on demographics like age, ZIP code, occupation, and credit score to decide on the premium you pay for you car insurance, Root Insurance thinks that's not a fair way to decide the rate. It bases insurance rates primarily on your driving behavior.

It has an unique system wherein it asks drivers to install its mobile app and perform test driving for several weeks while the app monitors the driving behavior in the background. The final preimum the driver pays for the car insurance is determined by the driving score calculated during the test drive.

Somone with a good driving history can save hundreds in premium per year.

Root auto insurance coverage options

Liability coverage

Bodily Injury

Property Damage

Roadside assistance

Collision

Comprehensive insurance

Rental car coverage

Uninsured Motorist Property Damage

Personal injury protection

Medical payments

Uninsured/Underinsured Motorist Bodily Injury

Since Root determines its rates based on driving behavior, good drivers could save hundreds on car insurance. Toatl savings can be up to $900 a year.

You need to be a Root customer to obtain SR-22 from Root. If you are currently insured with Root, you can easily request for SR-22 through their mobile app. Root will review your existing policy and initiate the process of filing SR-22 with your state DMV on your behalf.

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