How to Cancel Root Insurance in 5 Minutes or Less
Root Insurance is a relative newcomer in the industry, and as a customer, you already know the company’s approach is different from competitors. Rates are super low because Root requires a test driving period for coverage eligibility and does not insure ‘bad’ drivers.
This system is advantageous for some, but if you’re wondering how to cancel Root insurance, that’s probably not the case for you anymore. Accidents or tickets can raise rates more than they would with traditional insurance companies because Root gives driving habits far more weight than factors like age, gender, or where you live.
Root encourages customers to cancel on the app, although some people have reported scheduled cancellations that did not take place as requested. If you want to be 100% sure the policy is canceled before a new one kicks in, DoNotPay can handle the process for you.
How To Cancel Root Insurance in the App
Root is best known for car insurance, but more recently the company began offering homeowners and renters insurance, too. The process is the same no matter which type of policy you’re trying to cancel.
Follow these steps to cancel in the app:
- Log in to your Root account.
- Go to ‘Policy and Payments.’
- Select ‘Policy’ and then ‘Cancel My Policy.’
- Follow the prompts to select the reason.
- Choose ‘cancel immediately’ or select a specific end date.
- Submit the cancellation and wait for confirmation.
To be safe, you’ll want to check your email after for confirmation. It’s also wise to double-check your bank account on or after the day the premium is deducted each month or renewal period, just to make sure you’re not charged anyway.
Something very important to know: The cancellation date should be on or after the day your replacement insurance policy takes effect. You don’t want a gap in coverage that could leave you without protection or in violation of local laws.
Other Ways to Cancel Root Insurance
The app or website is the most efficient way to cancel directly through Root, but there are other options if you’re having trouble. Gather some basic information about your policy before reaching out, including the policy number and the date you want to cancel.
- Call Root customer service. Agents are available Monday through Friday from 9 a.m. to 8 p.m. ET at 866-980-9431.
- Chat with a live agent in the app.
- Send an email to email@example.com. Put ‘cancel policy’ or something similar in the subject line, and make sure the email includes your full name, the policy number and your desired end date. You may have to wait 48 hours or more for a response.
With any of the methods above, you’ll want to check for an email confirming the policy has been canceled. Make sure the date is correct and save the email for your records.
For an easier method that’s hassle-free, let DoNotPay handle the cancellation. Open our app in your , provide us with a few basic pieces of information, and we’ll take care of the rest. We will notify you when the cancellation is complete.
|Can You Cancel Root Insurance Via||Yes/No|
|Root App or Website||Yes|
Problems Canceling Root Car Insurance
From time to time, customers run into issues trying to cancel Root insurance. If you search Reddit, you’ll find a handful of complaints about customers charged despite cancellation or policies renewed without notification after canceling.
Similar issues have been reported to the Better Business Bureau, in addition to complaints about difficulty getting refunds as promised. Root is responsive to online complaints, reaching out to customers with solutions and refund offers. Not every complaint gets resolved, but the company maintains an A+ rating with BBB.
Does Root Give Refunds If I Cancel My Insurance?
Root’s refund policy says when a policy is canceled, any refund due will be calculated on a “daily pro rata basis.” In simpler terms, when you choose a cancellation date, the company will refund you on a prorated basis for the coverage period you did not use.
Let’s say you paid for a six-month policy in full at the beginning of March but decided to cancel in early May because you found a lower rate. Per Root’s policy, you are due a refund for the remaining approximately four months of the policy.
The company will calculate the daily rate of your policy by dividing the total premium by the number of days in the six-month period. You will be refunded based on that daily rate for the exact number of days after the cancellation date.
Having Trouble With a Root Insurance Refund or Claim? DoNotPay Can Help You Sue It
If you’re having trouble getting a refund from Root Insurance, there are times you may need to escalate the situation. If you’ve tried to resolve the issue directly with Root but are not getting the money you deserve, DoNotPay can help you sue in small claims court.
Known as the world’s first robot lawyer, DoNotPay allows you to sue easily and without hefty legal fees or the need to hire a lawyer. DoNotPay’s mission is to end the unfair advantage insurers and big companies have over their customers, leveling the playing field.
You may also want to sue an insurance company if you file a claim that is denied or the claim paid doesn’t seem like fair compensation, but keep in mind that small claims cases are capped at anywhere from $5,000-$25,000, depending on where you live.
Root Insurance Competitors: What Are the Best Alternatives?
There’s a ton of competition in the insurance industry. If you’re not happy with Root Insurance rates or service, it’s easy to shop around for alternatives, either on your own or using comparison tools like Insurify.
Root’s closest competitors are other relatively new, digital-based insurance companies that base rates heavily on your driving record or how often you drive, rather than legacy companies that have higher overhead and factor a wide range of demographic info into rates.
Current Root customers might also want to look at:
|Metromile (owned by Lemonade)||Pay-per-mile insurance||
|Clearcover||Low rates compared to competitors, even for those with tickets or accidents||
|Esurance||Rates may be below the national average||
DoNotPay Is the Easiest Way to Cancel Root Insurance or Any Subscription Service
Got five minutes? That’s the most time you’ll invest in canceling Root insurance or any other recurring bill when you use DoNotPay’s Manage Subscriptions product.
That includes services that customers frequently have a hard time canceling: gaming services like The Xbox network (formerly called Xbox Live), radio/music subscriptions such as Sirius XM and gym memberships like Planet Fitness.
Let us do the work by opening DoNotPay in your , logging in and following three steps:
- Log in to DoNotPay and search for the Manage Subscriptions product.
- Provide the name of the subscription service you want to cancel.
- Provide your account details such as email address and username.
The beauty of using DoNotPay is that you never have to think about the subscription again after completing those steps. Even when services make it easy to cancel, you probably spend time worrying about whether the cancellation went through or if billing will actually stop. With DoNotPay, we handle everything and let you know when the cancellation is done.
Other services that are frequently canceled using DoNotPay include:
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