# Root Insurance

**Canonical:** https://apis.io/providers/root-insurance/  
**Website:** https://www.joinroot.com/  
**APIs profiled:** 1

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.

## Kin Score — 14.5 / 100 (emerging)

Scored 2026-08-25 under rubric 0.14.0. Trend: flat (+0.0 from 14.5).

| Facet | Score |
|---|---|
| Discoverability | 68.5 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 21.1 |
| Developer Ergonomics | 2.4 |
| Commercial Clarity | 28.9 |
| Access Clarity | 28.9 |

Regulatory layer — **Insurance**: 18.2 (matched via tags).

## Agent readiness — 2.5 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Free — onboarding: unknown, pricing: free, trial: no (confidence: medium).

## APIs (1)

- **Root Consumer Mobile App** — 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 clai...

## Security (2)

- **Root Insurance Domain Security** — TLSv1.3 · HSTS · DMARC
- **Root Insurance Vulnerability Disclosure** — disclosure policy published

## Plans (1)

- **Root Insurance Plans Pricing**

## Tags

Insurance, Auto, Telematics, Insurtech, Embedded Insurance, Mobile, Usage-Based

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/root-insurance/). Scores are computed from the provider's own public artifacts under a published rubric.