Root Insurance

aid: root-insurance
url: https://raw.githubusercontent.com/api-evangelist/root-insurance/refs/heads/main/apis.yml
name: Root Insurance
kind: company
description: 'Root is a U.S. app-first auto insurer that prices policies primarily on real driving behavior captured by smartphone
  telematics. The Root mobile app handles enrollment, telematics scoring, policy management, claims, and optional roadside
  assistance, with renters insurance as an add-on line. Root has reorganized its tech stack around APIs to power embedded
  auto insurance with partners such as Carvana and Hyundai Capital America; partner APIs are gated and not publicly documented.
  Note: Root Insurance (joinroot.com) is distinct from the unrelated Root Platform (rootplatform.com) insurtech in South Africa
  / UK.'
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Insurance
- Auto
- Telematics
- Insurtech
- Embedded Insurance
- Mobile
- Usage-Based
created: '2026-05-23'
modified: '2026-05-23'
specificationVersion: '0.19'
apis:
- aid: root-insurance:consumer-app
  name: Root Consumer Mobile App
  description: iOS and Android app that measures driving behavior via smartphone telematics, generates a usage-based price,
    and handles enrollment, policy management, and claims (3-minute claim filing). Telematics is not used in California or
    Maryland. No public API.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.joinroot.com/
  baseURL: https://www.joinroot.com
  tags:
  - Consumer
  - Mobile
  - Telematics
  - Quote
  - Bind
  - Claims
  properties:
  - type: ProductPage
    url: https://www.joinroot.com/
  - type: HowItWorks
    url: https://www.joinroot.com/how-it-works
  - type: RoadsideAssistance
    url: https://www.joinroot.com/roadside-assistance
  - type: Renters
    url: https://www.joinroot.com/renters
- aid: root-insurance:embedded-auto
  name: Root Embedded Auto Insurance (Partner API)
  description: Root's API-ified auto insurance stack used to embed quote, bind, and issuance into partner channels. Reference
    deployments include Carvana (vehicle-purchase auto insurance) and Hyundai Capital America. No public API documentation;
    integration is sales-led via Root's partnerships team.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.joinroot.com/
  baseURL: https://www.joinroot.com
  tags:
  - Embedded
  - Partners
  - Auto
  - API
  - Quote
  - Bind
  properties:
  - type: ProductPage
    url: https://www.joinroot.com/
  - type: CorporateSite
    url: https://ir.joinroot.com/
  - type: CarvanaPartnership
    url: https://www.carriermanagement.com/news/2025/04/04/273836.htm
common:
- type: LinkedIn
  url: https://www.linkedin.com/company/root-insurance-company
- type: Website
  url: https://www.joinroot.com/
- type: InvestorRelations
  url: https://ir.joinroot.com/
- type: Careers
  url: https://www.joinroot.com/careers
- type: Plans
  url: plans/root-insurance-plans-pricing.yml
- type: RateLimits
  url: rate-limits/root-insurance-rate-limits.yml
- type: FinOps
  url: finops/root-insurance-finops.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com