Is Root Insurance or Mile Auto cheaper?

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.

Which has better coverage, Root Insurance or Mile Auto?

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.

Which is better for high-risk drivers, Root Insurance or Mile Auto?

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.

How do I choose between Root Insurance and Mile Auto?

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 so you can make an informed decision.

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' Rates

Quick answer

Root Insurance and Mile Auto both help you shop for insurance, but they work differently. Root Insurance is best for safe drivers, while Mile Auto is best for low-mileage drivers. Root Insurance covers 2 insurance lines (Auto, Renters), and Mile Auto covers 1 (Auto). The cheapest option depends on your driving record, location, and coverage needs, so comparing personalized quotes from both is the only way to know.

Root Insurance vs Mile Auto: Side by Side

Comparison of Root Insurance and Mile Auto across key features
Feature	Root Insurance	Mile Auto
Type	Usage-based auto insurance powered by telematics and data science.	Pay-per-mile auto insurance for low-mileage drivers.
AM Best rating	B++	Not rated
Founded	2015	2018
Headquarters	Columbus, Ohio	Atlanta, Georgia
Insurance lines	Auto, Renters	Auto
Lines covered	2	1
Availability	Available in 30+ states	Available in select states

At a Glance

Root Insurance

Usage-based auto insurance powered by telematics and data science.

AM Best RatingB++

Founded2015

HeadquartersColumbus, Ohio

Products

AutoRenters

Best For

✓Safe drivers
✓Tech-savvy customers
✓Young drivers with good habits
✓Usage-based pricing fans

AvailabilityAvailable in 30+ states

Read full Root Insurance review →

Mile Auto

Pay-per-mile auto insurance for low-mileage drivers.

AM Best RatingNot Rated

Founded2018

HeadquartersAtlanta, Georgia

Products

Auto

Best For

✓Low-mileage drivers
✓Remote workers
✓Privacy-conscious customers
✓Occasional drivers

AvailabilityAvailable in select states

Read full Mile Auto review →

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 50+ other carriers in minutes.

Frequently Asked Questions

More Comparisons

Elephant Insurance vs Root Insurance

See how they compare

GEICO vs Root Insurance

See how they compare

Root Insurance vs Bristol West

See how they compare

Alinsco Insurance vs AssuranceAmerica

See how they compare

Allstate vs The Hartford

See how they compare

Anchor General vs AssuranceAmerica

See how they compare

Browse all carrier comparisons →

See Which Carrier Offers You the Best Rate

Compare personalized quotes from Root Insurance, Mile Auto, and 50+ other carriers, free and in minutes.

Get Your Free Quote