Root Insurance
Root is a Columbus, Ohio car insurer that prices policies with an app test drive. It sells Florida auto online and has been licensed here since 2021.
You can find it on our list of Florida auto insurance companies. Its Florida company code is 46553 and its NAIC number is 10974.
Taking new policiesChecked Oct 19 Auto
Is Root leaving Florida? No. Root's Florida car insurance page was offering quotes on Oct 10, 2026, and no stop notice was found. As of Oct 19, 2026. Source: joinroot.com.
New policies
Taking new policies
As of Oct 19, 2026
Policies in force
Not available
No count on file
Latest rate change
Not available
No rate change on file
Financial strength
Not rated
No rating from AM Best, Demotech or KBRA
Complaints
1.91
NAIC index, 2025. 1.00 is average.
Near you
Can I get a policy?
We're still gathering this company's rules. Call and we'll check for you.
Did your Root renewal go up?
Before you call, see the Florida home insurance renewal checklist.
Shop your renewal in one call
One call. A licensed agent shops other companies for you, free.
What's changed recently
No changes tracked yet for Root. Updates land here the week we verify them.
Rate history
No rate filings tracked yet.
5 years in Florida
In Florida since 2021. Has paid claims through 7 hurricanes.
Compare Root side by side
| Root | State Farm | USAA | |
|---|---|---|---|
| New policies | Taking new policies Checked Oct 19, 2026 | Taking new policies Checked Oct 19, 2026 | Taking some new policies Checked Oct 19, 2026 |
| Florida policies | Not available | 654,641 Florida OIR, Jul 31, 2026 | 338,547 Florida OIR, Jul 31, 2026 |
| Latest rate change | Not available | +0.8% Home, from Jan 15, 2026 | Not available |
| Complaint index | 1.91 NAIC, 2025, nationwide, private passenger auto. 1.00 is average. | 0.63 NAIC, 2025, nationwide, homeowners. 1.00 is average. | 0.83 NAIC, 2025, nationwide, private passenger auto. 1.00 is average. |
| Financial rating | Not rated AM Best, Demotech and KBRA | A- (Excellent) AM Best | A++ (Superior) AM Best |
| In Florida since | 2021 | 1934 | 1958 |
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- Kin Taking new policies
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- AAA (Auto Club) Taking new policies
AAA (Auto Club) sells home, condo, auto and flood insurance to its Florida members. It does so through two Tampa insurers owned by The Auto Club Group.
Questions people ask about Root
What is the Root claims phone number?Call 866-980-9431 for a new claim, or file 24/7 in the Root app or online.
For a claim already open, call 866-489-1985. Customer service is weekdays 9 a.m. to 8 p.m. Eastern.
Does Root sell car insurance in Florida?Yes.
Root's Florida page offered quotes on Oct 10, 2026. You download the app and complete a test drive to see your price.
Is Root admitted in Florida?Yes.
OIR lists Root Insurance Company with a Florida certificate of authority since June 15, 2021. Its NAIC code is 10974 and its OIR code is 46553. It is based in Columbus, Ohio.
Root reviews and complaints: what the public data shows
Root rating
- Complaints
- 1.91 on the NAIC complaint index 1.00 is average. Higher means more complaints for its size. NAIC, 2025, nationwide, private passenger auto. As of Oct 16, 2026.
- Years in Florida
- Since 2021 (5 years)
- Regulatory actions
- Not available
No star ratings and no user reviews, only public data.