BMW insurance from Root

The Root app uses technology in smartphones to measure driving behavior—such as braking, speed of turns, driving times, and route consistency—and determines who is a safe driver and who isn’t. By only insuring safe drivers, Root can offer more affordable rates. And the entire Root experience is simple and easy.  

You can do everything in the app—customize and purchase your policy, find your insurance card, make changes to your policy, and file a claim. We can even request cancelation of your old insurance policy for you.

The test drive is how we determine your good driving habits. We then use that information to help calculate your rate. Here’s how it works:

1. Download the Root app

2. Sign up in less than a minute

3. Drive as you normally would-keep your phone with you when you do

4. We'll use driving data from your phone to measure your driving behaviors. It takes about 3 weeks.

5. If you qualify, you'll get a quote based primarily on your good driving. The better you drive, the more you could save.

Yes, you can add other people to your policy as long as they live at the same address. In fact, we encourage it.

Here’s how you invite others to the test drive:

1. When you create your profile, you will have the option to add more drivers.

2. Add the drivers’ information (scan their license or add manually) and tap Continue.

3. After you complete your profile, you will be taken to the invite screen. Tap Invite next to each new driver’s name.

4. The other drivers will receive a text message with a link to download the Root app (they have to use this link to be included on your policy).

5. Each driver will create an account (attached to yours) with their own email address, and will start their test drive.

Did you forget to add someone when you created your profile? No worries—you can invite drivers to the test drive at any point before your test drive is complete. Here’s what you do:

1. Open the app.

2. Tap the menu in the top left corner.

3. Select Auto Policy.

4. Tap Profile info.

5. Select Add new driver.

When everyone on the account finishes their test drives, you’ll get your quote. You can always add more drivers after you have a policy, but they won’t take the test drive, and of course their addition will increase your price.

At a minimum, your policy will cover Liability Insurance (required by law), Roadside Assistance (included with every policy), and any coverages required by your state.

Your Root Insurance quote will likely offer you the same coverages provided by your previous insurance company—from there, you can customize your quote to include any additional coverages you need.

We not only offer it, we include Roadside Assistance with every Root policy. Simply make a request through the app. Any service less than $100 is covered for vehicles on your policy, up to three incidents per 6-month policy term.

Roadside Assistance is purchased separately in California.