If You Pass a Driving Test, This Company Could Shave 52% Off Your Insurance

A couple drive in a convertible with the top down as the sun sets.
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You’re a good driver, right? You’re not a speed demon. You don’t tailgate or cut people off. Heck, you even use your turn signal like a civilized person. And — this is crazy — you actually keep your eyes on the road, not on your phone.

So why should you have to pay the same price for car insurance as a lousy, unsafe driver? It’s not right. It’s not fair! 

Luckily, we found a company that thinks so, too. And if you pass its driving test, it could shave up to 52% off your car insurance bill.

With Root Insurance, the better you drive, the more money you save. 

How This Driving Test Could Save You up to 52% on Car Insurance

Other insurance companies set your rates based on at least six factors: your age, gender, location, driving and credit records, and what car you drive.

Root Insurance bases your rates mostly on how well you drive. Here’s how it works:

Download the Root app to your phone, and drive like you normally would for two to three weeks. The app tracks your driving, then offers you a quote for insurance coverage based on that.

Sound scary? Think of it this way: You’re getting a chance to prove what a good driver you are. And you’ve got nothing to lose. Plus, the better you score, the less you’ll pay. This test is how Root Insurance is able to save policyholders up to 52% on auto insurance — it only insures good drivers. It won’t insure just anybody. 

The driving test all happens in your smartphone. You don’t need to turn on the app or anything; it just runs in the background and tracks your speed, acceleration, braking, time of day driving and other driving metrics. 

The app keeps you updated on how much time you have left. After two to three weeks, your test drive is complete, and if you qualify, you’ll get an insurance quote from Root Insurance with a recommended policy. Then you can customize the coverage to suit your needs. 

Root Car Insurance Review: How One Couple Saved $196/Month

Amanda Collins, 27, and her husband both had good driving records — until one mishap. 

“My husband was in an accident a year ago, and our insurance was going to charge us a lot for an accident that wasn’t his fault,” she said. Their monthly premiums for two vehicles went from $180 per month to double that — and other companies were quoting even more. 

“Root doesn’t only go by past experience. They go by how you drive,” Collins said. “We saved $2,352 a year and $196 a month! Enough said!”

Want to see how much you could save? Download the Root Insurance app to get started with its quick sign up. It has a 4.7 star rating in Apple App Store, with nearly 30,000 user ratings, and 3.9 stars on Google Play, with nearly 20,000 ratings. Lots of the ratings describe huge savings. 

Root Insurance is available in 29 states* and is growing fast. It’ll soon be doing business in eight more states. If it’s not available where you live, you can get notified when it becomes available in your state.

If you like your quote, Root Insurance makes it easy to switch. You don’t have to wait until your current policy expires, either — Root contacts your current insurer and tells them you’re switching.

Mike Brassfield ([email protected]) is a senior writer at The Penny Hoarder. He probably drives way too aggressively.

*Root Insurance is available in Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Georgia, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maryland, Mississippi, Missouri, Montana, New Mexico, Nebraska, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah and Nevada. It will soon be available in Alabama, Alaska, Hawaii, Massachusetts, New Hampshire, North Carolina, Washington, West Virginia and the District of Columbia. 

Disclaimer: Savings based on national reviews reported by actual customers. Root reserves the right to refuse to quote any individual a premium rate for the insurance advertised herein.