# Root Insurance

**Canonical:** https://apis.io/providers/root/  
**Website:** https://www.joinroot.com/  
**APIs profiled:** 18

Root Insurance is a usage-based auto insurance company that prices policies primarily based on driving behavior captured via smartphone telematics. Root provides a REST API platform for insurers, MGAs, and distribution partners to build, embed, and operate insurance products — covering quoting, policy administration, claims processing, premium collections, and data management. The Root Bind API enables partners to embed auto insurance quoting and checkout directly into their applications.

## Kin Score — 41.0 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 41.0).

| Facet | Score |
|---|---|
| Discoverability | 74.1 |
| Contract Quality | 63.8 |
| Governance | 9.8 |
| Contract Governance | 9.8 |
| Operational Transparency | 21.1 |
| Developer Ergonomics | 13.1 |
| Commercial Clarity | 50.0 |
| Access Clarity | 50.0 |

Regulatory layer — **Insurance**: 34.8 (matched via tags).

## Agent readiness — 37.1 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | documented |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | verified |
| 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 |

## Access

Paid · Self-serve signup — onboarding: self-serve, pricing: paid, trial: no (confidence: high).

## APIs (18)

- **Root Bind API** — The Root Bind API enables distribution partners to embed auto insurance quoting, checkout, and servicing within their own applications. Supports both a hosted experience (Root-m...
- **Root Insurance Applications API** — The Applications API from Root Insurance — 16 operation(s) for applications.
- **Root Insurance Calls API** — The Calls API from Root Insurance — 4 operation(s) for calls.
- **Root Insurance Claims API** — The Claims API from Root Insurance — 31 operation(s) for claims.
- **Root Insurance Complaints API** — The Complaints API from Root Insurance — 10 operation(s) for complaints.
- **Root Insurance Data exports API** — The Data exports API from Root Insurance — 9 operation(s) for data exports.
- **Root Insurance Data stores API** — The Data stores API from Root Insurance — 4 operation(s) for data stores.
- **Root Insurance Embed API** — The Embed API from Root Insurance — 2 operation(s) for embed.
- **Root Insurance Files API** — The Files API from Root Insurance — 1 operation(s) for files.
- **Root Insurance Leads API** — The Leads API from Root Insurance — 2 operation(s) for leads.
- **Root Insurance Notifications API** — The Notifications API from Root Insurance — 3 operation(s) for notifications.
- **Root Insurance Payment Methods API** — The Payment Methods API from Root Insurance — 7 operation(s) for payment methods.
- **Root Insurance Payments API** — The Payments API from Root Insurance — 6 operation(s) for payments.
- **Root Insurance Policies API** — The Policies API from Root Insurance — 32 operation(s) for policies.
- **Root Insurance Policyholders API** — The Policyholders API from Root Insurance — 7 operation(s) for policyholders.
- **Root Insurance Quotes API** — The Quotes API from Root Insurance — 1 operation(s) for quotes.
- **Root Insurance Secret keys API** — The Secret keys API from Root Insurance — 2 operation(s) for secret keys.
- **Root Insurance Webhooks API** — The Webhooks API from Root Insurance — 9 operation(s) for webhooks.

## Agentic access (1)

- **Root Agentic Access** — 198 operations · 128 acting · 1 human-in-the-loop

## Security (3)

- **Root Authentication** — http · 1 scheme
- **Root Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC
- **Root Vulnerability Disclosure** — disclosure policy published

## Plans (1)

- **Root Plans Pricing**

## Tags

Insurance, Auto Insurance, Telematics, Embedded Insurance, Policy Administration, Claims, Usage-Based Insurance, Insurtech

---

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