Root Insurance
ROOT · NASDAQ · Financial Services
$51.73
$0.03 (-0.06%) today
Market Cap
$801.47M
24h Volume
$6.2M
P/E Ratio
14.6
52w High
$90.86
52w Low
$43.21
Est. AI Revenue
70%
7-Day Sparkline (Static)
Company facts
Performance
About Root Insurance
Root Insurance sells auto insurance priced by how you actually drive. Its app measures driving behavior through phone telematics, and machine learning models turn that data into individualized premiums. Revenue comes from insurance premiums, with results hinging on how well the models price risk.
The model stack is the company: AI telematics scoring rates each driver from sensor data, ML pricing models set premiums from behavior rather than demographics, and behavioral AI underwriting decides who to insure and at what price.
Founded in 2015 and headquartered in Columbus, Ohio, Root trades on the NASDAQ and employs about 1,300 people under founder and CEO Alex Timm.
Root Insurance in the AI buildout
Root sits in the AI Applications layer as an applied AI story in insurance. Its entire differentiation is underwriting with telematics and machine learning instead of demographic proxies, so AI is the product, not a feature. The catch is the arena: value ultimately depends on loss ratios and growth in a brutally competitive auto insurance market, not on AI demand. Supercycle scores its AI exposure at 55 out of 100.
ROOT is tracked in AI Applications, rated Strategic on the AI Exposure leaderboard.
By the numbers
52-week range
ROOT trades at $51.73, 18% of the way up its 52-week range of $43.21 to $90.86.
Market cap
Market capitalization is $801.47M, with an AI Exposure Score of 55 out of 100.
Valuation vs peers
Its P/E ratio of 14.6 is below the AI Applications category median of 29.1.
Next earnings
Root Insurance is next expected to report earnings on November 4, 2026.
Market data as of the close on . Prices are end of day, not live.
Frequently asked questions
What does Root Insurance do?
Root sells auto insurance priced with telematics. Its app measures actual driving behavior, and machine learning models convert that data into individualized premiums, replacing demographic-based pricing.
How is Root exposed to AI?
AI underwriting is its entire differentiation: telematics scoring and ML pricing are the product. Value still depends on loss ratios in a tough auto insurance market, and Supercycle rates its AI Exposure Score at 55 out of 100.
What are Root's main AI products?
AI telematics scoring that rates drivers from phone sensor data, ML pricing models that set premiums from behavior, and behavioral AI underwriting that decides which drivers to insure and at what price.
Is ROOT a pure play AI stock?
Not in the buildout sense. AI is central to how Root underwrites, but it is an insurance company whose results turn on loss ratios and growth. Its AI Exposure Score is 55 out of 100.
Where is Root based and who leads it?
Root Insurance is headquartered in Columbus, Ohio, and led by founder and CEO Alex Timm. Founded in 2015, the company employs about 1,300 people and its shares trade on the NASDAQ.
Profile written 2026-08, updated as the business changes. Editorial content, not investment advice.