Root Insurance
Root Insurance is a usage-based auto insurance company that prices policies primarily based on driving behavior captured via smartphone telematics. Root provides a REST API platform for insurers, MGAs, and distribution partners to build, embed, and operate insurance products — covering quoting, policy administration, claims processing, premium collections, and data management. The Root Bind API enables partners to embed auto insurance quoting and checkout directly into their applications.
Real signal across most facets with visible, nameable gaps — the contract exists but is thin, or the portal is good while governance and commercial terms are absent.
API Evangelist profiles Root Insurance the way a machine reads it — 311 machine-readable artifacts across 18 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Root Insurance scores 51.0/100 (developing), with a separate agent-readiness read of 48/100 (agent ready). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile Root Insurance
Each block below is one kind of artifact we hold for Root Insurance. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 18
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
Individual APIs this provider publishes, each with its own machine-readable definition.
Root Bind API
The Root Bind API enables distribution partners to embed auto insurance quoting, checkout, and servicing within their own applications. Supports both a hosted experience (Root-m...
Root Insurance Applications API
The Applications API from Root Insurance — 16 operation(s) for applications.
Root Insurance Calls API
The Calls API from Root Insurance — 4 operation(s) for calls.
Root Insurance Claims API
The Claims API from Root Insurance — 31 operation(s) for claims.
Root Insurance Complaints API
The Complaints API from Root Insurance — 10 operation(s) for complaints.
Root Insurance Data exports API
The Data exports API from Root Insurance — 9 operation(s) for data exports.
Root Insurance Data stores API
The Data stores API from Root Insurance — 4 operation(s) for data stores.
Root Insurance Embed API
The Embed API from Root Insurance — 2 operation(s) for embed.
Root Insurance Files API
The Files API from Root Insurance — 1 operation(s) for files.
Root Insurance Leads API
The Leads API from Root Insurance — 2 operation(s) for leads.
Root Insurance Notifications API
The Notifications API from Root Insurance — 3 operation(s) for notifications.
Root Insurance Payment Methods API
The Payment Methods API from Root Insurance — 7 operation(s) for payment methods.
Root Insurance Payments API
The Payments API from Root Insurance — 6 operation(s) for payments.
Root Insurance Policies API
The Policies API from Root Insurance — 32 operation(s) for policies.
Root Insurance Policyholders API
The Policyholders API from Root Insurance — 7 operation(s) for policyholders.
Root Insurance Quotes API
The Quotes API from Root Insurance — 1 operation(s) for quotes.
Root Insurance Secret keys API
The Secret keys API from Root Insurance — 2 operation(s) for secret keys.
Root Insurance Webhooks API
The Webhooks API from Root Insurance — 9 operation(s) for webhooks.
Scroll within the panel for all 18 ·
Pricing Plans 1
Pricing is part of the interface. Machine-readable plans tell you what a tier costs and includes before you commit — one of the six things the Kin Score reads for commercial clarity.
Published pricing tiers and plan structures.
Root Plans Pricing
PLANSRate Limits 1
Rate limits are the difference between a demo that works and a production integration that doesn't fall over. Publishing them is an operational-transparency signal — and a hard requirement for any agent that plans its own throughput.
Documented rate limits and quota policies.
Root Rate Limits
RATE LIMITSFinOps 1
Cost, billing, and metering signals let a buyer model the financial operations of an API before it's live. We profile them for the same reason we profile pricing: the money is part of the contract.
Cost, billing, and metering signals for API financial operations.
Root Finops
FINOPSSemantic Vocabularies 1
JSON-LD contexts give the data shared meaning across APIs. We profile them because semantics are what let a machine reconcile 'customer' here with 'customer' somewhere else.
JSON-LD contexts and semantic vocabularies used across these APIs.
Root Platform Api Context
JSON-LDSpectral Rules 1
Governance rulesets we run against this provider's specs — the automated checks behind parts of the score. Profiling them makes the quality bar explicit and re-runnable, not a matter of opinion.
Root Insurance API Rules
SPECTRALJSON Schema 85
Standalone JSON Schema definitions describe the data models behind the API. We profile them so the shapes are validatable on their own — useful long after a single request is forgotten.
Standalone JSON Schema definitions for this provider's data models.
actor-type
JSON SCHEMAalteration-package
JSON SCHEMAalteration-packages
JSON SCHEMAapplication-alteration-hook
JSON SCHEMAapplication-alteration-hooks
JSON SCHEMAapplication-alteration-package
JSON SCHEMAapplication-alteration-packages
JSON SCHEMAapplication
JSON SCHEMAapplications
JSON SCHEMAattachment
JSON SCHEMAattachments
JSON SCHEMAbank-name
JSON SCHEMAbeneficiaries-request
JSON SCHEMAbeneficiaries
JSON SCHEMAbeneficiary-relationship
JSON SCHEMAcall
JSON SCHEMAcalls
JSON SCHEMAcellphone-string
JSON SCHEMAcellphone
JSON SCHEMAclaim
JSON SCHEMAclaims
JSON SCHEMAcollection-type
JSON SCHEMAcomplaint
JSON SCHEMAcomplaints
JSON SCHEMAcustom-event-type
JSON SCHEMAdaily-frequency
JSON SCHEMAdata-export-run-log-item
JSON SCHEMAdata-export-run-log-items
JSON SCHEMAdata-export-run
JSON SCHEMAdata-export-runs
JSON SCHEMAdata-store-entities
JSON SCHEMAdata-store-entity
JSON SCHEMAdata-store
JSON SCHEMAdata-stores
JSON SCHEMAfailure-action
JSON SCHEMAfulfillment-request
JSON SCHEMAhttps-adapter
JSON SCHEMAlead
JSON SCHEMAleads
JSON SCHEMAmonthly-frequency
JSON SCHEMAnote
JSON SCHEMAnotes
JSON SCHEMAnotification-data
JSON SCHEMAnotification-email-data
JSON SCHEMAnotification-other-data
JSON SCHEMAnotification-sms-data
JSON SCHEMAnotification
JSON SCHEMAnotifications
JSON SCHEMApayment-batch
JSON SCHEMApayment-batches
JSON SCHEMApayment-charge-type
JSON SCHEMApayment-coupon
JSON SCHEMApayment-coupons
JSON SCHEMApayment-create-async
JSON SCHEMApayment-create
JSON SCHEMApayment-creates-async-array
JSON SCHEMApayment-details
JSON SCHEMApayment-method
JSON SCHEMApayment-response
JSON SCHEMApayment-status
JSON SCHEMApayment-type
JSON SCHEMApayment-update
JSON SCHEMApayment-updates
JSON SCHEMApayment
JSON SCHEMApolicies
JSON SCHEMApolicy-status
JSON SCHEMApolicy
JSON SCHEMApolicyholder-request
JSON SCHEMApolicyholder
JSON SCHEMApolicyholders
JSON SCHEMApremium-type
JSON SCHEMAquote-package
JSON SCHEMAquote-packages
JSON SCHEMAs3-adapter
JSON SCHEMAscheduled-data-export
JSON SCHEMAscheduled-data-exports
JSON SCHEMAsecret-keys-list
JSON SCHEMAsecret-keys
JSON SCHEMAsftp-adapter
JSON SCHEMAwebhook-queue-event
JSON SCHEMAwebhook-subscription-event
JSON SCHEMAwebhook-subscription-events
JSON SCHEMAwebhook
JSON SCHEMAwebhooks
JSON SCHEMAweekly-frequency
JSON SCHEMAScroll within the panel for all 85 ·
Examples 199
Real request and response payloads are what turn a spec from abstract into obvious — and they're one of the twelve things an agent needs to call an API correctly on the first try.
Example request and response payloads for these APIs.
Acknowledge Approved Request
EXAMPLEAcknowledge Goodwill Request
EXAMPLEAcknowledge No Claim Request
EXAMPLEActivate Policy Response 200
EXAMPLEApprove Claim Request
EXAMPLEApprove Claim Response 200
EXAMPLEArchive Webhook Response 200
EXAMPLECancel Policy Request
EXAMPLECancel Policy Response 200
EXAMPLEClaim Add Note Request
EXAMPLEClaim Add Note Response 200
EXAMPLEClaim Link Policy Request
EXAMPLEClose Claim Request
EXAMPLEClose Claim Response 200
EXAMPLEClose Complaint Response 200
EXAMPLECreate Call Request
EXAMPLECreate Call Response 200
EXAMPLECreate Claim Request
EXAMPLECreate Claim Response 200
EXAMPLECreate Data Store Request
EXAMPLECreate Lead Request
EXAMPLECreate Lead Response 200
EXAMPLECreate Quote Request
EXAMPLECreate Secret Key Request
EXAMPLECreate Webhook Request
EXAMPLECreate Webhook Response 200
EXAMPLEDisable Webhook Response 200
EXAMPLEDownload File Response 400
EXAMPLEDownload File Response 404
EXAMPLEEnable Webhook Response 200
EXAMPLEGoodwill Claim Request
EXAMPLEGoodwill Claim Response 200
EXAMPLEIssue A Policy Request
EXAMPLEIssue A Policy Response 200
EXAMPLENo Claim Request
EXAMPLENo Claim Response 200
EXAMPLEPaid Out Claim Response 200
EXAMPLEPing Webhook Response 200
EXAMPLEPolicy Add Note Request
EXAMPLEPolicy Add Note Response 200
EXAMPLEReopen Claim Request
EXAMPLEReopen Claim Response 200
EXAMPLERepudiate Claim Request
EXAMPLERepudiate Claim Response 200
EXAMPLERequote Policy Request
EXAMPLERequote Policy Response 200
EXAMPLERetrieve Call Response 200
EXAMPLERetrieve Policy Response 200
EXAMPLESend To Capture Request
EXAMPLESend To Capture Response 200
EXAMPLESend To Review Request
EXAMPLESend To Review Response 200
EXAMPLEUpdate Claimant Request
EXAMPLEUpdate Claimant Response 200
EXAMPLEUpdate Data Store Request
EXAMPLEUpdate Payment Batch Request
EXAMPLEUpdate Payment Request
EXAMPLEUpdate Payment Response 200
EXAMPLEUpdate Policy Request
EXAMPLEUpdate Policy Response 200
EXAMPLEUpdate Policyholder Request
EXAMPLEUpdate Webhook Request
EXAMPLEUpdate Webhook Response 200
EXAMPLEUpdating A Claim Request
EXAMPLEUpsert Secret Key Request
EXAMPLEScroll within the panel for all 199 ·
Security Posture 3
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Agentic Access 1
An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.
Recommended x-agentic-access execution contracts for AI agents.
Resources
Every other property we hold for Root Insurance — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Documentation 1
Reference material describing how the API behaves
Agent Surfaces 1
MCP servers, agent skills, and machine-readable catalogs
Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 3
Authentication, authorization, and security posture
Operate 2
Status, limits, changes, and where to get help
Commercial 3
Pricing, plans, and the legal terms of use
Company 3
The organization behind the API
Other 1
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/root · machine-readable index on apis.io