What are quote tiers and packages?

When Root generates quotes, each quote includes one or more tiers — named packages of coverage selections (limits and deductibles) pre-configured to a particular level of protection. These are what the API surfaces through the Get Suggested Coverages endpoint. Each object in the suggestedCoverages array represents one recommended tier available for that quote. The priority field on each object indicates the relative order in which tiers are recommended, with lower numeric values indicating higher priority.

When a customer has prior coverage data available, most tiers use those prior limits as a starting point and resolve to the closest available option at that level. Tiers that do this will return derivedFromPriorCoverage: true. Tiers that ignore prior coverage and always apply fixed defaults will return derivedFromPriorCoverage: false.

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Available Tiers and Packages
Not all tiers will be returned for every quote. Which tiers are included depends on your integration configuration and account-level eligibility.

The following tiers may be returned:

Tier	Coverage level	Prior coverage behavior
`State Minimum`	Declined or state-mandated minimum for every coverage	Ignores prior — always selects minimum regardless of history
`Low`	Lowest non-declined limits; highest available deductibles	Respects prior data but resolves to the cheapest available option
`Recommended`	Moderate defaults (100k/300k BI, $500 comp/coll deductible)	Mirrors prior limits as closely as possible
`High`	One tier above the recommended defaults	Steps up from prior limits — selects the next higher limit or lower deductible
`Min Plus`	Slightly above minimum (50k/100k BI, 50k UM/UIM)	Fixed defaults for key liability coverages; minimum for all others
`Coll Comp Low`	Low overall; highest available deductible for comp/coll	Ignores prior for comp/coll — always selects the highest deductible available
`Coll Comp Mid`	Moderate (50k/100k BI, $1,000 comp/coll deductible)	Ignores prior for configured coverages — always applies fixed mid-tier defaults
`Embedded`	Lower defaults (50k/100k BI, $1,000 comp/coll deductible)	Mirrors prior for liability; locks comp/coll to the $1,000 default regardless of prior
`Embedded Prior Coverage`	Same as `Embedded`; attempts to match detected coverage as closely as possible	Same as `Embedded`; requires confirmed prior coverage data to be present

One tier is designated as the default package for your integration. This is indicated by the default: true field on the corresponding suggestedCoverages object. If your integration is configured to automatically assign coverages, Root will apply this default tier without requiring you to specify one explicitly.

Market-specific behavior

In Delaware (DE), if a tier would otherwise decline Uninsured/Underinsured Motorist (UM/UIM) coverage, the API automatically adjusts it to match the Bodily Injury limit instead. This adjustment is applied after tier selection and will be reflected in the coverages returned — you do not need to handle it yourself.