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-productions.s3.amazonaws.com/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-productions.s3.amazonaws.com/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-productions.s3.amazonaws.com/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