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A complaint index compares how many confirmed complaints an insurer got with how much business it does. 1.00 is average; below 1 means fewer complaints than expected for its size, above 1 means more. We use the Indiana Department of Insurance's official 2025 index (Indiana policies only), combining each company's insurers into one group figure. We also show California's 2025 justified-complaint rate for auto (complaints per 100,000 insured vehicles; lower is better). It's one signal, not a verdict, and we don't provide quotes.
Indiana DOI per-company indexes: auto: Root Ins Co 3.71; home: none listed.
Source: Indiana DOI 2025 Auto Complaint Index (homeowners: in.gov/idoi/files/Homeowners-Complaint-Index-2025.pdf) (checked 2026-10-12)
Here are the facts we could confirm on Root's own page (2026-10-12): auto complaint index (indiana, 2025): 3.69 (5 complaints on $28M premium); homeowners complaint index (indiana, 2025): No complaints listed (Indiana lists only insurers with complaints); auto justified complaints (california, 2025): 4.8 justified complaints per 100,000 insured vehicles (2 complaints; 1 company); auto complaint index (missouri, 2021–23): 1.84 (14 complaints, 2021–23; 1 company); homeowners complaint index (missouri, 2021–23): Not in Missouri's top-40 list; company site: https://www.joinroot.com/; quotes: We don't sell or provide quotes. Whether it's good for you depends on what you need; compare it with the alternatives listed.
From Indiana DOI 2025 Auto Complaint Index (homeowners: in.gov/idoi/files/Homeowners-Complaint-Index-2025.pdf) (checked 2026-10-12). “not found” means the page didn't state it.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.