Root Insurance Telematics

Root Insurance is a technology-driven auto insurer that uses AI and smartphone telematics to price policies based on individual driving behavior rather than demographic factors. The Root app measures acceleration, braking, cornering, speed, and distracted driving patterns during a test drive period, then uses machine learning to calculate a personalized premium that reflects actual driving skill. Root's approach rewards safe drivers with lower rates and helps the company attract lower-risk customers, creating a more accurate and equitable auto insurance pricing model than traditional demographic-based approaches.