Root has filed auto insurance endorsements in Texas and Tennessee that would allow third parties to pay some or all of eligible customers’ premiums, following requests from an unnamed “top 5 vehicle manufacturer.”

The proposed Premium Assistance & Benefit Programs endorsements would establish terms for sponsor-funded premiums and optional promotional benefits. Root said policies would retain their filed and approved rates and standard underwriting requirements.

In Texas, Root Republic Managing General Agency submitted the filing for policies underwritten by Redpoint County Mutual Insurance Company. The Tennessee filing was submitted by Root Insurance Company. Both request a January 5, 2027 effective date for new business.

Customers would remain responsible for premiums exceeding a program’s contribution or cap, unless its terms provide otherwise. Unused sponsor-paid premiums would be returned to the sponsor, while customers would receive refunds of their own payments under the policy’s cancellation provisions.

The endorsements also contemplate promotional benefits such as gift cards, memberships, devices and rewards.

Tennessee regulators raised an objection on November 10, asking Root to confirm that specific benefits would be submitted for approval before being offered. The Texas filing remained assigned for review.

Root said the form had already been approved in 11 other states. Neither filing identifies the vehicle manufacturer.