Root has received approval for a new personal auto insurance program in Rhode Island, with an effective date of April 14, 2027. State regulators approved the rate and rule filing on November 12, 2026.

The filing establishes Root’s initial rates, eligibility rules, and pricing structure for its entry into the Rhode Island auto insurance market.

The program includes Root’s usage-based insurance model, which uses driving data collected through a mobile device or telematics provider. Pricing factors include hard braking, speeding, distracted driving, time of day, and driving patterns.

Customers can complete a “Test Drive” before receiving an initial quote or receive an initial discount and complete the assessment during the first 30 days of coverage. Applicants may decline to participate, in which case Root applies its nonparticipation rating rules.

The pricing plan also uses TransUnion’s CreditVision Insurance Score. Coverage options include roadside assistance, rental reimbursement, and rideshare and delivery coverage.

During the review, Rhode Island regulators questioned late fees, accident-related pricing, and the potential to charge twice for the same accident through driver and vehicle rating factors. Root submitted revised rules before receiving approval.

Root currently offers auto insurance in 38 states, most recently adding Wyoming. Rhode Island is not yet listed among its available markets.

Its current markets are Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Jersey, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.

Submitted June 10, 2026, the Rhode Island filing lists no existing policyholders or written premium for the new program.