---
title: "Driving Insurance Innovation: Root Insurance"
url: "https://www.guidewire.com/pt/resources/blog/industry-trends/driving-insurance-innovation-root-insurance.md"
language: "pt"
locale: "pt"
---

# Driving Insurance Innovation: Root Insurance

2018-07-18T23:00:15Z

Factors such as gender, age, marital status, where you live, etc. can all affect your car insurance rate.  But, what if you could be priced based upon your driving behavior? Not your neighbors, but truly your own driving behavior. That is the value proposition that Root Car Insurance is bringing to market. Who?..

## Driving Insurance Innovation: Root Insurance

### Chief Evangelist

As Chief Evangelist at Guidewire Software, Laura Drabik keeps her finger on the pulse of insurance industry disruption to coach insurers on ways to innovate their business and achieve a competitive advantage.

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As Chief Evangelist at Guidewire Software, Laura Drabik keeps her finger on the pulse of insurance industry disruption to coach insurers on ways to innovate their business and achieve a competitive advantage.

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Laura Drabik

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### Industry Trends

Factors such as gender, age, marital status, where you live, etc. can all affect your car insurance rate. But, what if you could be priced based upon your driving behavior? Not your neighbors, but truly your own driving behavior. That is the value proposition that [Root Car Insurance](https://www.joinroot.com/) is bringing to market.

**Who?**

Root Insurance uses data science to identify and insure good drivers. The car insurance rate is based primarily on how a consumer drives. They advertise that good drivers can save up to $100/month.

**How it works**

**Step 1:** Get the app and start immediately; no agents or phone calls required.

**Step 2:** Take a test drive. This measures driving behavior, including braking, time-of-day driven, smoothness of turns, and consistency of braking and pedal usage.

**Step 3:** Get a policy. A consumer can take a recommended policy or choose their own coverage.

As a consumer drives with the Root app, they gather and analyze data from the consumer’s smartphone’s sensors. After the Root test drive is over, the consumer will get a car insurance quote based primarily on how they drove.

All transactions are done in the app, including cancelling a policy, reporting a claim, inviting other household members to drive, etc.

**Why you need to be aware**

Root is increasing its current 88-employee workforce **by 500%**.

Many of the new hires who will be added over the next three years will be **software engineers** and other **technologists**.

The company, which is backed by some of the world’s largest reinsurers, including Maiden Re, **Munich Re** and Odyssey Re, recently closed a **$51 million Series C round of funding**.

Root hopes to establish itself as a **national insurer by the end of next year.**

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