Root Insurance Enters Wyoming as Auto Coverage Reaches 38 States

Root, Inc. (ROOT ) said in an October 21, 2026 announcement that Root car insurance is now available in Wyoming, making Wyoming the 38th state where the company offers auto insurance and extending its availability to states representing 81% of the U.S. population. The Columbus, Ohio-based company said the launch advances its goal of providing coverage across the contiguous United States by the end of 2027.

“Launching in Wyoming brings us another step closer to making Root available to drivers across the country,” said Alex Timm, Root’s founder and CEO. Timm said the company has built a technology and data science platform that allows it to enter new markets efficiently and give more consumers access to what he described as a personalized, easy insurance experience. Wyoming drivers can get a quote and purchase coverage whenever they are ready, he said, “making it possible to get insured and on the road the same day.” Timm said the company aims to bring that experience to more drivers as it continues expanding nationwide.

Wyoming drivers can get a Root car insurance quote, customize their coverage, and purchase a policy in minutes, and manage their policy directly in the Root app, according to the company. Customers can select from available coverage limits and deductibles, access insurance documents, make policy changes, and start a claim through the mobile app. Drivers can get a quote and purchase coverage through the Root app, through the company’s Wyoming car insurance page, or by starting a quote online. Root said no test drive is required to purchase a policy in Wyoming, and that eligible drivers can purchase immediately without completing a test drive or waiting for a driving evaluation.

Coverage Options and Distribution in Wyoming

Root offers personal auto insurance in Wyoming, including liability, comprehensive, and collision coverage, subject to eligibility and availability. The company describes liability coverage as helping pay for injuries and property damage a driver causes to others in an accident, collision coverage as helping pay to repair or replace a vehicle damaged in a collision regardless of fault, and comprehensive coverage as helping cover vehicle damage from events outside of collisions, including theft, vandalism, severe weather, and falling objects. Drivers can customize their policies by selecting available coverage options, limits, and deductibles that fit their needs and budgets. Root auto insurance in Wyoming is underwritten by Root Property & Casualty Insurance Company, and the company notes that coverage, discounts, and eligibility may vary.

Root offers insurance directly to consumers and through a network of independent insurance agents and distribution partners. The company said its availability through independent insurance agents in Wyoming is subject to confirmation, and that agents interested in selling Root Insurance can apply and become appointed in as little as 24 hours.

Expansion Footprint and Company Background

Wyoming is the 38th state where Root offers auto insurance, following the company’s expansion into New Jersey in July 2026. Root’s availability-by-state page confirms that car insurance is available in Wyoming and lists the states where Root does not currently offer car insurance: Alaska, Hawaii, Idaho, Maine, Massachusetts, Michigan, New Hampshire, New York, North Carolina, Rhode Island, South Dakota, and Vermont, as well as the District of Columbia. The page also states that Root does not currently offer renters insurance in Wyoming.

Root was founded in 2015 in Columbus, Ohio, and Root, Inc. is the Nasdaq-listed parent company of Root Insurance Company. The company states that the Root app has reached more than 18 million downloads and that it has analyzed more than 37 billion miles of driving data. Root said its technology platform supports efficient geographic expansion and allows it to reach customers through its direct-to-consumer channel, independent insurance agents, and distribution partners.

Root also states that safe drivers who switch to Root Insurance can save up to $1,300 annually, subject to driving behaviors and chosen coverage levels. The company bases that figure on a survey of actual customers who purchased a new Root policy in active markets between February 2025 and February 2026 and reported savings; it notes that changes in coverage levels were not evaluated and that potential savings will vary.

The company identified its expectations about future business results, the success of its business in Wyoming, and its ability to complete its expansion into the contiguous U.S. by year-end 2027 as forward-looking statements that are subject to risks, uncertainties, and other factors and are not guarantees of future performance.