Root Insurance, an auto insurance startup that does business via smartphone, has entered the California market. But there’s a catch.

Root’s app uses smartphone technology, telematics and data science to measure driving behavior including braking, speed of turns, phone use while driving and mileage before calculating a final rate. Better drivers get better rates. But telematics aren’t used in California, the company notes, with Root’s typical savings generated from telematics data in other states not applicable there.

As in other states, however, Californians can still sign up for Root’s insurance through the Root Insurance app or website. The Ohio-based InsurTech Startup said it is now available to 60 percent of the U.S. population.

In California, Root calculates an initial rate after drivers estimate their annual mileage and submit their information. Coverage entails a direct-to-consumer auto insurance product that bypasses agents.

The Root Insurance app is available on the App Store and Google Play. Root says that the downloading process along with setting up a profile takes a few minutes.

Beyond California, Root is also available in Arizona, Arkansas, Colorado, Connecticut, Delaware, Georgia, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maryland, Mississippi, Missouri, Montana, Nebraska, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, and Utah. More states will be announced soon, Root said.

Source: Root Insurance