Root Insurance Company has updated its underwriting guidelines in New Mexico, removing a restriction that previously prevented customers whose policies were cancelled for non-payment and who had a prior Root claim from obtaining a new policy. The filing, submitted and approved on October 31, 2025, applies to both new and renewal business immediately.

The change reflects Root’s effort to expand market access by reinstating eligibility for previously ineligible drivers. While no rate changes are associated with the filing, the adjustment could broaden Root’s customer base in the state.

The filing initially received an objection regarding missing redlines but was resolved after clarification that updates applied solely to the underwriting guidelines, not the formal rules manual. The move underscores Root’s ongoing recalibration of its risk selection criteria as it seeks to balance growth and underwriting discipline.