Acko vs Root Insurance
Side-by-side comparison of AI visibility scores, market position, and capabilities
Acko is India's first fully digital insurance provider offering motor, health, travel, and embedded insurance products to 70M+ customers through a direct-to-consumer and B2B2C model.
About
Acko is a Bangalore-based digital insurance company founded in 2016 by Varun Dua and Ruchi Deepak, and licensed by India''s IRDAI in 2017 as the country''s first fully digital-native insurer. The company serves over 70 million customers with motor, health, travel, in-trip, and mobile insurance products through an online-first model that eliminates agent intermediaries, reducing costs and improving claims processing speed.
Usage-based auto insurer with telematics driving behavior scoring; smartphone test drive determines premiums for safe drivers competing with Progressive's UBI after post-IPO refocus on profitability.
About
Root Insurance is a usage-based auto insurance company that determines premiums primarily based on actual driving behavior — measured through a smartphone app during a test drive period — rather than traditional demographic factors like age, gender, and credit score. Founded in 2015 by Alex Timm and Dan Manges in Columbus, Ohio, Root went public on NASDAQ in 2020 (NASDAQ: ROOT) and has raised over $700 million. The company targets safe drivers who are penalized by traditional insurance pricing that bundles them with riskier demographic groups.\n\nRoot's telematics model requires new customers to take a 2-3 week "test drive" using the Root app, which analyzes their driving behavior — hard braking, sharp turns, phone distraction, time of day driving, and driving speed relative to the flow of traffic. Drivers with good behavior scores receive competitive rates, while drivers with poor scores may be declined (Root can be selective because it's not targeting the full market). The model theoretically produces better risk selection than traditional demographic underwriting.\n\nIn 2025, Root has refocused after significant losses following its IPO — the company initially struggled with adverse selection and claims inflation. Root's strategy has shifted toward more conservative underwriting, improving its pricing model accuracy, and expanding its embedded insurance channel (distributing auto insurance through car dealers and auto marketplaces like Carvana). Root competes with Progressive (leader in usage-based insurance), Metromile (acquired by Lemonade), and traditional insurers' telematics programs. The 2025 strategy focuses on profitability over growth, with Root targeting underwriting profitability milestones and demonstrating that usage-based insurance can achieve sustainable loss ratios.
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