It’s unclear what score you need to get to save money on car insurance with Root. The driver scorecard on the Root car insurance app rates your driving behavior on a scale from 1 to 10, with 10 being the best. During your Root test drive, the telematics tracking system in the app will look at whether you’re focused on the road (and not your phone or the radio), if you give yourself enough time to brake, if you slow down before turning, and if you’re not driving late at night. However, Root could deny you coverage even if you have a high score. Although Root car insurance rates are primarily based on your driving, the company does consider other factors and doesn’t provide coverage options for high-risk drivers.