The expansion brings Root’s personalised, driver-based insurance model to over 4 million registered drivers in the state, marking the company’s presence in 35 states and reaching more than 77% of the U.S. population.

Root’s approach to car insurance emphasises driving behaviour over traditional demographic factors, using smartphone technology and advanced data science to measure safe driving habits. This mobile-first model enables the company to offer fair, affordable, and personalised rates based on individual driving performance, rewarding safe drivers with significant savings.

“We’re excited to bring an easy, technology-driven car insurance option to Minnesota, offering drivers a new option for fair, affordable prices that reflect their individual driving habits,” said Alex Timm, Co-Founder and CEO of Root. “Minnesotans now have access to a smarter, more convenient insurance experience based on how they drive.”

Minnesota drivers can now access Root’s services through the Root mobile app or the company’s website, joinroot.com. The signup process is quick, taking less than a minute, followed by a test-drive period where the app evaluates driving habits such as focused driving, smooth braking, and gentle turning. This data is used to determine rates, providing safe drivers with tailored insurance plans.

Root’s customer-first platform offers Minnesotans flexible coverage options and an app-based claims process. The company also collaborates with independent insurance agents and tech-forward partners, ensuring multiple access points for customers seeking a streamlined and innovative insurance experience.

With this expansion, Root continues its mission to redefine auto insurance, prioritizing fairness and transparency for drivers across the United States.