95% of drivers interested in personalized insurance rates: Root Insurance

According to new research from Root Insurance, consumers are frustrated–77% of drivers feel that auto insurance pricing is outdated, and 95% of consumers say they are interested in rates based on their driving behaviors.

Respondent data from Root's "The future of car insurance" report shows that more than half, 57%, cite high costs as their biggest frustration with auto insurance pricing. Forty-four percent believe that driving behavior should be the single most important factor in determining their price, and 35% of those polled believe traditional risk pooling 
"unfairly penalizes safe drivers."

Responses from the report also show clear generational differences in how drivers view auto pricing: Baby Boomers are more than two times as likely to find the system unfair, whereas Millennials and Gen Z drivers three times more likely to view the system as fair.

Root Insurance notes that drivers with safe, long-term driving behaviors and clean records often end up subsiding the higher-risk profiles of other groups. Younger drivers are more likely to view the system as fair because of their risk profile aligning more closely with the current average auto insurance rates.

According to data from the Root Insurance's 2025 "Focused driving" report, Baby Boomers are the most focused age group while driving, and Gen Z drivers are more than twice as likely to drive distracted. 

Distracted driving behaviors include driving while on the phone (83%), applying makeup (58%), eyes not on the road (57%), listening to loud music (51%), engaging with kids (45%), engaging with passengers (39%) and engaging with pets (35%). 

The average U.S. driver uses their phone nearly 11 miles out of every 100 miles driven. While half of all drivers nationwide consider checking your phone at a red light as distracted driving, 52% also admit to doing so.