Root, the Ohio-based InsurTech, has expanded its behaviour-based motor insurance offering into New Jersey, taking its presence to 37 US states and extending coverage to more than 80% of the country’s population.
The launch is part of Root’s wider strategy to reach all contiguous US states by 2027. The company said New Jersey represents more than 6.6 million eligible drivers, with premiums calculated primarily using driving behaviour captured through smartphone-based telematics technology.
Root’s model uses data points including braking patterns, cornering, phone distraction and overall driving behaviour to assess individual risk. Customers complete an initial test drive period through the Root app, during which smartphone sensors collect driving data that is analysed by the company’s risk models before pricing is determined.
The platform allows customers to manage the insurance lifecycle digitally, including onboarding, policy management and claims support. Root said safer drivers can receive personalised pricing based on their driving behaviour, alongside flexible coverage options.
The company said its expansion reflects growing interest in telematics-based insurance models, as insurers increasingly explore alternative approaches to traditional risk assessment and pricing.
Root founder and CEO Alex Timm said, “Expanding to New Jersey is a massive milestone in our state expansion strategy as we accelerate toward our goal of coverage in the contiguous US by 2027.”
He added, “Our ability to scale our behavioural pricing model demonstrates the efficiency of our technology and positions us to capture more market share.”
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