Progressive vs Root Insurance — Which Is Better for You?
Wondering whether Progressive or Root Insurance is the right fit? We compare coverage, rates, financial strength, and more to help you decide.
Compare Both Carriers' RatesAt a Glance
Progressive
One of the largest auto insurers in the US with competitive rates and innovative tools.
- ✓Drivers with violations
- ✓Multi-policy bundling
- ✓Usage-based discounts
- ✓Online quote shoppers
Root Insurance
Usage-based auto insurance powered by telematics and data science.
- ✓Safe drivers
- ✓Tech-savvy customers
- ✓Young drivers with good habits
- ✓Usage-based pricing fans
Key Highlights
Why Choose Progressive
- •Established brand with 85+ years in the industry
- •Available in all 50 states with broad product options
- •AM Best A+ — excellent financial strength
- •Multi-policy discounts for bundling home and auto
Why Choose Root Insurance
- •Prices based on actual driving behavior, not demographics
- •Fully digital experience — quote, buy, and manage via app
- •Safe drivers can save significantly vs. traditional insurers
- •Modern tech-first approach appeals to younger drivers
Which Should You Choose?
Both Progressive and Root Insurance are solid choices, but the right one depends on your situation. Progressive is best known for drivers with violations, while Root Insurance stands out for safe drivers.
In terms of financial strength, Progressive holds an AM Best rating of A+ compared to Root Insurance's B++. Progressive offers 6 products while Root Insurance offers 2, so Progressive has a broader coverage lineup.
The best way to decide? Compare personalized quotes from both. Rates can vary dramatically based on your specific profile — your driving record, location, age, and coverage needs all affect pricing. Truvo makes it easy to compare quotes from Progressive, Root Insurance, and 40+ other carriers in minutes.
Frequently Asked Questions
Is Progressive or Root Insurance cheaper?
Rates vary based on your driving record, location, age, and coverage needs. Progressive and Root Insurance use different rating factors, so one may be significantly cheaper for your profile. The best way to find out is to compare personalized quotes from both through Truvo.
Which has better coverage — Progressive or Root Insurance?
Progressive offers Auto, Home, Renters, Motorcycle, Boat, RV coverage, while Root Insurance offers Auto, Renters. The "better" coverage depends on what you need — consider factors like policy limits, deductible options, and add-on coverages available from each carrier.
Which is better for high-risk drivers — Progressive or Root Insurance?
Both carriers serve a range of driver profiles. Progressive is best for drivers with violations and multi-policy bundling, while Root Insurance is best for safe drivers and tech-savvy customers. Compare quotes from both to see which offers you the best rate.
How do I choose between Progressive and Root Insurance?
Consider your priorities: price, coverage breadth, financial strength, customer service, and state availability. Progressive is rated A+ by AM Best, while Root Insurance is rated B++. Truvo compares quotes from both carriers so you can make an informed decision.
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