Root insurance is the nation’s first licensed insurance carrier powered entirely by mobile and founded on the principle that car insurance rates should be based on how you drive, not who you are. through smartphone technology and data science, root measures driving behavior, and uses it as the primary factor in determining rates. the result is personalized car insurance for good drivers, better rates, and a seamless mobile app experience. root is a car insurance company founded on the belief that people who drive well are less likely to get into accidents, and that those people should pay less for insurance. with that in mind, root set out to reinvent a broken industry—an industry that was still assigning rates based primarily on demographics and had an archaic agent structure. root is headquartered in columbus, ohio and is backed by some of the largest reinsurance companies in the world, including munich re and odyssey re. currently, root is available to drivers in arizona, arkansas, delaware, illinois, indiana, iowa, kentucky, louisiana, maryland, mississippi, missouri, montana, nebraska, new mexico, north dakota, ohio, oklahoma, oregon, pennsylvania, south carolina, texas and utah, and will be coming to more states soon.