D
Root Ins Co
Rating Date
April 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
Total
Assets
Capital
Net
Premiums
Net
Income
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Major Rating Factors: Poor long-term capitalization index (1.6 on a scale of 0 to 10) based on weak current risk adjusted capital (severe and moderate loss scenarios). Weak profitability index (2.0) with operating losses during 2020, 2021, 2022 and 2023. Vulnerable liquidity (0.3) as a spike in claims may stretch capacity.
Other Rating Factors: Fair overall results on stability tests (4.6) including excessive premium growth and weak risk adjusted capital in prior years. History of adequate reserve strength (5.6) as reserves have been consistently at an acceptable level.
Stability Factors: C - Past results on our Risk-Adjusted Capital tests. G - Fast asset or premium growth. L - Past results on our liquidity tests. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Personal/comm auto (99.9%)
Licensed in: All states except ID, KS, MA, ME, MI, MN, NJ, NY, RI, SD, VT, WI, WY
Principal Investments: Investment grade bonds (48.6%), cash (8.6%), other (42.7%)
Ratios
Premium to Surplus
Reserve to Surplus
1-Year Reserve Development
2-Year Reserve Development
Expense Ratio
Combined Ratio
Cash From Underwriting
Net Premium Growth
Investments in Affiliates
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Corporate Info
Group Affiliation
Root Inc
Investment Rating
Company Address
80 East Rich Street
Columbus, OH 43215
Phone Number
(866) 980-9431
NAIC Number
10974
Largest Affiliates
D
Columbus, OH - P&C