Root Insurance vs Mile Auto — Which Is Better for You?
Wondering whether Root Insurance or Mile Auto is the right fit? We compare coverage, rates, financial strength, and more to help you decide.
Compare Both Carriers' RatesAt a Glance
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
Mile Auto
Pay-per-mile auto insurance for low-mileage drivers.
- ✓Low-mileage drivers
- ✓Remote workers
- ✓Privacy-conscious customers
- ✓Occasional drivers
Key Highlights
Why Choose Root Insurance
- •Usage-based pricing from smartphone telematics
- •Rewards good driving behavior, not just low mileage
- •Fully digital quote, buy, and manage via app
- •Also offers renters insurance
Why Choose Mile Auto
- •Pay-per-mile pricing ideal for low-mileage drivers
- •No telematics device — just submit odometer photos
- •Privacy-friendly usage-based model
- •Big savings for drivers under ~10,000 miles/year
Which Should You Choose?
Both Root Insurance and Mile Auto are solid choices, but the right one depends on your situation. Root Insurance is best known for safe drivers, while Mile Auto stands out for low-mileage drivers.
Root Insurance offers 2 products while Mile Auto offers 1, so Root Insurance 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 Root Insurance, Mile Auto, and 40+ other carriers in minutes.
Frequently Asked Questions
Rates vary based on your driving record, location, age, and coverage needs. Root Insurance and Mile Auto 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.
Root Insurance offers Auto, Renters coverage, while Mile Auto offers Auto. The "better" coverage depends on what you need — consider factors like policy limits, deductible options, and add-on coverages available from each carrier.
Both carriers serve a range of driver profiles. Root Insurance is best for safe drivers and tech-savvy customers, while Mile Auto is best for low-mileage drivers and remote workers. Compare quotes from both to see which offers you the best rate.
Consider your priorities: price, coverage breadth, financial strength, customer service, and state availability. Root Insurance is rated B++ by AM Best, while Mile Auto is rated not rated. Truvo compares quotes from both carriers so you can make an informed decision.
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