Company Details
Company Name:
ROOT INSURANCE COMPANYLicense Status:
ActiveNAIC Number:
10974Company Address:
80 E RICH STREET, SUITE 500 COLUMBUS, OH 43215
Phone Number:
8669809431Mailing Address:
PO Box 369 Columbus, OH 43216
Mailing Phone:
8669809431Description:
Property and Casualty (Ch 379, RSMo)License Number:
B431715Date Admitted:
2018-04-06Market Share
| Year | Line | Market Share | Direct Premium Written | Direct Premium Earned | Dividends Paid | Direct Losses Paid | Direct Losses Incurred | In Force | Loss Ratio |
|---|---|---|---|---|---|---|---|---|---|
| 2025 | Total Property & Casualty | 0.14% | $24,860,306 | $25,235,922 | $0 | $14,804,994 | $15,119,870 | $0 | 102.13% |
| 2025 | Total Homeowners | 0% | $78,788 | $94,259 | $0 | $622 | $-7,098 | $0 | 0% |
| 2025 | Homeowners Multi-Peril | 0% | $78,788 | $94,259 | $0 | $622 | $-7,098 | $0 | 0% |
| 2025 | Total Private Passenger Auto | 0.51% | $16,691,477 | $17,075,101 | $0 | $9,916,710 | $10,622,076 | $0 | 107.11% |
| 2025 | Private Passenger Auto Liability - Bodily Injury | 0.58% | $9,223,351 | $9,934,958 | $0 | $4,821,943 | $4,503,538 | $0 | 93.4% |
| 2025 | Private Passenger Auto Liability - Property Damage | 0.51% | $5,403,855 | $5,163,407 | $0 | $3,719,738 | $3,862,899 | $0 | 103.85% |
| 2025 | Private Passenger Auto Liability - Medical Payments | 0.23% | $199,621 | $197,000 | $0 | $164,132 | $178,984 | $0 | 109.05% |
| 2025 | Private Passenger Auto Liability - Uninsured Motorists | 0.46% | $1,692,787 | $1,598,894 | $0 | $1,061,257 | $551,070 | $0 | 51.93% |
| 2025 | Private Passenger Auto Liability - Underinsured Motorists | 0.12% | $171,863 | $180,842 | $0 | $149,640 | $1,525,585 | $0 | 0% |
| 2025 | Private Passenger Auto - Comprehensive | 0.19% | $2,733,331 | $5,612,528 | $0 | $1,946,042 | $1,635,389 | $0 | 84.04% |
| 2025 | Private Passenger Auto - Collision | 0.34% | $5,356,710 | $2,454,034 | $0 | $2,941,620 | $2,869,503 | $0 | 97.55% |
| 2024 | Total Property & Casualty | 0.15% | $26,607,343 | $27,953,105 | $0 | $15,839,626 | $16,401,207 | $0 | 103.55% |
| 2024 | Total Homeowners | 0% | $97,704 | $96,274 | $0 | $66,138 | $58,897 | $0 | 89.05% |
| 2024 | Homeowners Multi-Peril | 0% | $97,704 | $96,274 | $0 | $66,138 | $58,897 | $0 | 89.05% |
| 2024 | Total Private Passenger Auto | 0.6% | $18,715,746 | $19,902,243 | $0 | $9,542,316 | $9,744,058 | $0 | 102.11% |
| 2024 | Private Passenger Auto Liability - Bodily Injury | 0.78% | $11,585,794 | $12,396,703 | $0 | $4,329,703 | $4,408,523 | $0 | 101.82% |
| 2024 | Private Passenger Auto Liability - Property Damage | 0.48% | $5,195,499 | $5,484,520 | $0 | $3,860,382 | $3,869,960 | $0 | 100.25% |
| 2024 | Private Passenger Auto Liability - Medical Payments | 0.2% | $180,496 | $190,706 | $0 | $157,736 | $143,425 | $0 | 90.93% |
| 2024 | Private Passenger Auto Liability - Uninsured Motorists | 0.5% | $1,574,080 | $1,648,308 | $0 | $1,082,495 | $248,106 | $0 | 22.92% |
| 2024 | Private Passenger Auto Liability - Underinsured Motorists | 0.14% | $179,877 | $182,006 | $0 | $112,000 | $1,074,044 | $0 | 0% |
| 2024 | Private Passenger Auto - Comprehensive | 0.19% | $2,519,805 | $5,579,050 | $0 | $2,387,721 | $2,619,449 | $0 | 109.7% |
| 2024 | Private Passenger Auto - Collision | 0.33% | $5,274,088 | $2,375,538 | $0 | $3,843,451 | $3,978,803 | $0 | 103.52% |
| 2023 | Total Property & Casualty | 0.14% | $22,905,415 | $18,608,985 | $0 | $11,068,107 | $10,630,979 | $0 | 96.05% |
| 2023 | Total Homeowners | 0% | $88,495 | $84,071 | $0 | $14,863 | $-73,379 | $0 | -493.7% |
| 2023 | Homeowners Multi-Peril | 0% | $88,495 | $84,071 | $0 | $14,863 | $-73,379 | $0 | -493.7% |
| 2023 | Total Private Passenger Automobile | 0.42% | $22,816,920 | $18,524,914 | $0 | $11,053,244 | $10,704,358 | $0 | 96.84% |
| 2023 | Private Passenger Auto Liability Bodily Injury | 0.77% | $10,386,130 | $8,247,301 | $0 | $2,780,628 | $3,044,942 | $0 | 109.51% |
| 2023 | Private Passenger Auto Liability Property Damage | 0.45% | $4,472,035 | $3,667,066 | $0 | $2,558,957 | $2,943,395 | $0 | 115.02% |
| 2023 | Private Passenger Auto Medical Payments | 0.19% | $166,817 | $141,995 | $0 | $81,058 | $59,800 | $0 | 73.77% |
| 2023 | Private Passenger Uninsured Motorists | 0.45% | $1,292,577 | $1,028,578 | $0 | $767,554 | $316,396 | $0 | 41.22% |
| 2023 | Private Passenger Underinsured Motorists | 0.14% | $159,810 | $141,457 | $0 | $105,000 | $-35,837 | $0 | -34.13% |
| 2023 | Private Passenger Auto Comprehensive | 0.17% | $1,925,586 | $1,662,153 | $0 | $1,795,729 | $828,839 | $0 | 46.16% |
| 2023 | Private Passenger Auto Collision | 0.29% | $4,413,965 | $3,636,364 | $0 | $2,964,318 | $3,546,823 | $0 | 119.65% |
| 2022 | Total Property & Casualty | 0.12% | $17,137,834 | $19,375,894 | $0 | $18,662,161 | $18,846,821 | $0 | 100.99% |
| 2022 | Total Homeowners | 0% | $94,814 | $126,966 | $0 | $38,018 | $123,810 | $0 | 325.66% |
| 2022 | Homeowners Multi-Peril | 0% | $94,814 | $126,966 | $0 | $38,018 | $123,810 | $0 | 325.66% |
| 2022 | Total Private Passenger Automobile | 0.36% | $17,043,020 | $19,248,928 | $0 | $18,624,143 | $18,723,011 | $0 | 100.53% |
| 2022 | Private Passenger Auto Liability Bodily Injury | 0.56% | $6,833,175 | $7,701,343 | $0 | $6,072,751 | $5,758,010 | $0 | 94.82% |
| 2022 | Private Passenger Auto Liability Property Damage | 0.42% | $3,562,044 | $4,086,543 | $0 | $3,985,700 | $3,691,149 | $0 | 92.61% |
| 2022 | Private Passenger Auto Medical Payments | 0.19% | $171,638 | $202,648 | $0 | $245,721 | $214,931 | $0 | 87.47% |
| 2022 | Private Passenger Uninsured Motorists | 0.35% | $897,898 | $985,094 | $0 | $1,051,020 | $693,498 | $0 | 65.98% |
| 2022 | Private Passenger Underinsured Motorists | 0.21% | $185,474 | $213,336 | $0 | $83,000 | $-82,956 | $0 | -99.95% |
| 2022 | Private Passenger Auto Comprehensive | 0.2% | $1,874,386 | $2,104,885 | $0 | $2,524,518 | $3,573,805 | $0 | 141.56% |
| 2022 | Private Passenger Auto Collision | 0.27% | $3,518,405 | $3,955,079 | $0 | $4,661,433 | $4,874,574 | $0 | 104.57% |
| 2021 | Total Property & Casualty | 0.19% | $24,687,518 | $25,430,558 | $0 | $20,549,869 | $21,228,652 | $0 | 103.3% |
| 2021 | Total Homeowners | 0.01% | $157,549 | $172,825 | $0 | $186,544 | $145,288 | $0 | 77.88% |
| 2021 | Homeowners Multi-Peril | 0.01% | $157,549 | $172,825 | $0 | $186,544 | $145,288 | $0 | 77.88% |
| 2021 | Total Private Passenger Automobile | 0.55% | $24,529,969 | $25,257,733 | $0 | $20,363,325 | $21,083,364 | $0 | 103.54% |
| 2021 | Private Passenger Auto Liability Bodily Injury | 0.88% | $10,304,693 | $10,761,535 | $0 | $5,286,054 | $6,131,365 | $0 | 115.99% |
| 2021 | Private Passenger Auto Liability Property Damage | 0.66% | $5,322,717 | $5,474,258 | $0 | $4,922,336 | $4,819,517 | $0 | 97.91% |
| 2021 | Private Passenger Auto Medical Payments | 0.3% | $268,830 | $280,161 | $0 | $266,513 | $286,037 | $0 | 107.33% |
| 2021 | Private Passenger Uninsured Motorists | 0.45% | $1,040,145 | $1,017,938 | $0 | $1,369,785 | $1,541,786 | $0 | 112.56% |
| 2021 | Private Passenger Underinsured Motorists | 0.32% | $244,516 | $263,447 | $0 | $486,000 | $458,883 | $0 | 94.42% |
| 2021 | Private Passenger Auto Comprehensive | 0.29% | $2,516,394 | $2,586,019 | $0 | $2,608,410 | $2,688,408 | $0 | 103.07% |
| 2021 | Private Passenger Auto Collision | 0.4% | $4,832,674 | $4,874,375 | $0 | $5,424,227 | $5,157,368 | $0 | 95.08% |
Complaint Index
| Year | Line | Market Share | Number of Complaints | Complaint Index |
|---|---|---|---|---|
| 2025 | Private Passenger Auto | 0.42% | 16 | 173 |
| 2025 | Homeowners | 0% | 0 | 0 |
| 2024 | Private Passenger Auto | 0.41% | 13 | 181 |
| 2024 | Homeowners | 0% | 0 | 0 |
| 2023 | Private Passenger Auto | 0.44% | 14 | 183 |
| 2023 | Homeowners | 0% | 0 | 0 |
| 2022 | Private Passenger Auto | 0.51% | 15 | 196 |
| 2022 | Homeowners | 0.01% | 1 | 1998 |
| 2021 | Private Passenger Auto | 0.56% | 17 | 200 |
| 2021 | Homeowners | 0.01% | 1 | 2087 |
Company Changes
Date:
2018-04-06Comments:
Effective 4/6/2018 this company was admitted as a property and casualty insurer with B1 property, B2 Liability, and B4 accident and health authority. Market Regulation Actions
This company does not have any market regulation actions.
Financial Exams
This company does not have any financial exams.