Root has filed updated underwriting guidelines for its private passenger auto program in Texas, underwritten by Redpoint County Mutual Insurance Company.

Under the revised criteria, vehicles valued above $150,000, vehicles manufactured before 1981 and policies containing more than 10 vehicles are ineligible. Root also excludes vehicles used for ridesharing, delivery services, peer-to-peer car sharing or other commercial purposes.

For new business, applicants must meet a minimum telematics score of 2. Test drives completed after policy issuance require a minimum score of 8 and may result in underwriting action.

At renewal, Root may review policies with a claim or at least three policy changes during one term. Policies may also become ineligible based on combinations of at-fault accidents, speeding violations, DUI convictions and other serious driving offenses.

The filing was submitted July 15 with a requested effective date of July 16, 2026, for new and renewal business.