Insurer profile · Root · NAIC + CMS

Root Insurance

Root Insurance's complaint record, claim-denial rate and reputation grade, drawn from published NAIC complaint data and CMS Transparency in Coverage.

F
Reputation grade
2.97
Complaint index
34
States active

The verdict

Root Insurance earns a F reputation grade - a significantly worse record than peers, according to the NAIC's published complaint index, its ratio runs 2.97, above the 1.0 market average.

F
reputation grade
2.97
NAIC complaint index
FFF
Reputation grade F (composite score 0.0) - A=Excellent, F=Failing. Based on NAIC complaint ratios and CMS denial data.

Graded on 1 of 3 measures: NAIC complaints. The score is rescaled across the measures available, so it is not directly comparable with a carrier graded on more of them.

How we calculated this grade →

NAIC CIS filing desk

NAIC 15243 F · 0.0

GRADE-F · INDEX-HOT · DENIAL-NONE · RANK-WORST · PHOTO-FINISH · LINES-1 · BOOK-RICH

  • GRADE-F F · 0.0
  • INDEX-HOT 2.97
  • DENIAL-NONE No CMS file
  • RANK-WORST #69/72
  • PHOTO-FINISH Heritage Property &… · F
  • LINES-1 1 line
  • BOOK-RICH 6/7 fields

Nearest complaint-index peer: Heritage Property & Casualty (±0.01 index pts)

Instrument codes from this carrier’s NAIC Consumer Information Source filing: grade band, complaint index, CMS denial band, corpus rank, photo-finish peer, line book, and field completeness. Not an official NAIC rating.

Complaint-index neighbourhood around Root Insurance

Quietest and hottest poles plus nearest index peers, not a full NAIC corpus board reprint.

Root Insurance - complaint index neighbourhood

complaint index

What this shows According to PlainInsurer's dataset, Root Insurance has a lower (better) NAIC complaint index than 4% of the 72 rated insurers it tracks and ranks #19 of 21 carriers by complaint ratio in Auto Insurance.

Source NAIC published complaint index (2024) As of 2026

Where Root Insurance sits on complaints

complaint index

What this shows Root Insurance's complaint index of 2.97 is 197% above the 1.0 market average for a carrier of its size.

Source NAIC published complaint index (2024) As of 2024

Root Insurance vs. the full rated-insurer dataset

297% 4th percentile more affordable than 4% of 72 rated insurers

Root Insurance 0% 425% all rated insurers, bucketed by value

Each bar is a band; taller bars hold more rated insurers. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source NAIC published complaint index (2024) · 2024

Scale vs. complaint-adjusted score

NAIC complaint counts with PlainInsurer composite scores (multi-vintage: NAIC MCAS + CMS TiC/MA when present), 72 rated insurers 2×2 strategic matrix plotting 30 entities by Total complaints → (X) and Composite score (higher = more friction) → (Y), with a crosshair dividing the plot into four quadrants. Large, high frictionSmall, high frictionLarge, low frictionSmall, low friction 02,0004,0006,0008,000 60708090100 Total complaints → Composite score (higher = more friction) →
NAIC complaint counts with PlainInsurer composite scores (multi-vintage: NAIC MCAS + CMS TiC/MA when present), 72 rated insurers

Complaint record by line of business

Line Est. complaints Complaint index States active
Auto Insurance ~12,373 2.97 34

Auto insurance market share

Private-passenger-auto ranking by written premium, NAIC 2024

#32
Market share
0.30%
Written premiums
$1,063.716M
See the full market-share ranking →

What the NAIC filing desk shows for Root Insurance

According to PlainInsurer's dataset, Root Insurance has a lower (better) NAIC complaint index than 4% of the 72 rated insurers it tracks and ranks #19 of 21 carriers by complaint ratio in Auto Insurance.

Root Insurance is outside the CMS marketplace file, but the claim-denial rate ranking shows what that data reports for the carriers it does cover. How complaint indexes place Root Insurance.

Nationwide insurers with similar scores or complaint volume

Two corpus-wide peer sets for Root Insurance: nearest national-scale carriers by composite score and by NAIC complaint volume. These are cross-market neighborhoods, not the corporate-family list or same-grade chips above.

Similar composite score

Nearest carriers by composite score (0.0 here). Floored at 50+ complaints and 5+ states.

Direct General (Allstate) 0.0 Gainsco Insurance 0.0 Infinity P&C (Kemper) 0.0 SafeAuto (Kemper) 0.0

Similar complaint volume

Nearest carriers by NAIC complaint count (12,373 here). Deduped against the score peers so the two sets stay distinct.

Dairyland Insurance (Sentry) 11,430 complaints Globe Life 11,414 complaints Kemper Auto 13,345 complaints Hippo Insurance 10,893 complaints
Aggregates only, not advice. Full terms on the disclaimer.

Questions about Root Insurance

What does Root Insurance's grade mean?
Root Insurance received a grade of F, indicating a significantly worse record than peers.
How many complaints does Root Insurance have?
PlainInsurer estimates Root Insurance's complaint volume at roughly 12,373 across 34 states, derived from its published NAIC complaint index and market footprint (NAIC does not release exact per-company complaint counts via public bulk data).
How do I file a complaint against Root Insurance?
File against Root Insurance through your state's Department of Insurance or the NAIC consumer portal at naic.org.
Is Root Insurance a good insurance company?
PlainInsurer's F grade for Root Insurance reflects a significantly worse record than peers relative to peers on published complaint and denial data.
What types of insurance does Root Insurance offer?
Based on NAIC filing data, Root Insurance reports activity in 1 line of business: Auto Insurance. Availability varies by state.

Verify Root Insurance

Root Insurance is filed with the NAIC under company number 15243. Search that number directly in the NAIC's own public consumer-information tool to cross-check this page against the primary source.

Verify on NAIC Consumer Information Source

Source: NAIC published complaint index data Complaint index, reputation grade for Root Insurance · 2024

Share, download, and related pages for Root Insurance

Download the data behind this page

The full PlainInsurer extract, covering every insurer including Root Insurance, is available as CSV and JSON. Underlying federal data is public domain; see our methodology for the compilation and grading method.

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Data: NAIC published complaint index (2024). Not affiliated with NAIC or CMS.

Every figure on PlainInsurer comes directly from NAIC MCAS and CMS Transparency in Coverage data; no editor types in numbers. See our editorial standards or methodology, or report an error. Data current as of 2026-08-11. Grades measure only the published complaint/denial data; we don't recommend any insurer or policy.