Root Insurance API
Root exposes no API to its policyholders: policy, billing, claims, and telematics data cannot be pulled programmatically. Partner APIs power embedded distribution through Carvana, Goosehead, and First Connect, but they are gated to contracted distributors with no sandbox.
Frequently asked questions
Root Insurance scores D+ on the API Report Card. Root exposes no API to its policyholders: policy, billing, claims, and telematics data cannot be pulled programmatically. Partner APIs power embedded distribution through Carvana, Goosehead, and First Connect, but they are gated to contracted distributors with no sandbox.
Without a usable official API, teams fall back on manual exports, file drops, or one-off vendor integrations. The other option is an unofficial API layer like Supergood that automates the authenticated web app directly.
Root Insurance is a publicly traded (NASDAQ: ROOT) U.S. auto insurance carrier headquartered in Columbus, Ohio.
Financial Services (Auto Insurance Carrier / Insurtech), Target market is U.S. personal-auto insurance shoppers, with a stated preference for 'good drivers' whose behavior-based pricing comes in below traditional demographic-priced rates. A driver downloads the Root app (iOS/Android), enters basic info, and completes a 2-3 week 'test drive' during which the phone passively measures driving behavior.
Root is the largest U.S. auto insurtech by premium and is licensed in 36 states with plans to expand nationally. The Carvana embedded partnership alone has crossed 200,000 policies sold, and ~7,500 agents have been added since the 2025 launch of the 24-hour appointment program.
Yes, Root holds full personal-auto insurance records and high-resolution driving telemetry for its policyholders: vehicle and VIN data, named-driver and household composition, coverage selections and limits, premium and payment history, declarations pages and ID cards, claims files with FNOL details and payouts, plus smartphone-collected driving-behavior data (acceleration, hard braking, cornering, time-of-day, phone-handling) used to set rates.
~11 years old, founded 2015 in Columbus, OH by Alex Timm (CEO) and Dan Manges. Headquartered in Columbus, Ohio. Went public on NASDAQ in October 2020 (ticker: ROOT).
No public consumer-facing API, individual policyholders cannot programmatically retrieve their policy, declarations page, billing history, claims status, or trip-level telematics scoring. Pre-fill quote flow that exposed plaintext driver's license numbers in a downloadable PDF was breached in 2021; NY AG ordered Root to implement a comprehensive information security program, multi-layered authentication, and monitoring as part of the 2025 settlement. Full sourced list under Sources below.
Common alternatives include Progressive, GEICO, State Farm, Allstate, Lemonade (Car), Metromile (Lemonade). Graded alternatives appear under "More from the report card" below.
Grades measure one thing: can a customer's engineering team get their own data out programmatically? We check six things (whether a real API exists, how access is gated, data coverage, auth quality, docs and developer experience, and stability) and roll them into a letter grade. Grades get re-verified, and they only move on evidence.
Yes. Supergood maintains an unofficial Root Insurance API and MCP server so AI agents and internal tools can read and write Root Insurance data. See the Root Insurance integration docs at supergood.ai/docs/root-insurance-api.