<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2024 Workiva-->
<!--r:8595699a-dd87-48eb-ad75-876f043c3ec1,g:78483602-0dde-4b88-9309-d6795aed76e5-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/all" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#all"/>
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#hypercube-dimension"/>
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-default"/>
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-domain"/>
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#domain-member"/>
  <link:roleRef roleURI="http://www.joinroot.com/role/COVERPAGE" xlink:type="simple" xlink:href="root-20240331.xsd#COVERPAGE"/>
  <link:definitionLink xlink:role="http://www.joinroot.com/role/COVERPAGE" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityListingsLineItems_50aed686-52ed-4a90-9430-d6d7140d518e" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityListingsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityListingsTable_039e264d-dc85-48ba-a5e3-37fdcbb2c7af" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityListingsTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_dei_EntityListingsLineItems_50aed686-52ed-4a90-9430-d6d7140d518e" xlink:to="loc_dei_EntityListingsTable_039e264d-dc85-48ba-a5e3-37fdcbb2c7af" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_3e23e78b-0e56-4a14-8d95-a0026b7ac889" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_dei_EntityListingsTable_039e264d-dc85-48ba-a5e3-37fdcbb2c7af" xlink:to="loc_us-gaap_StatementClassOfStockAxis_3e23e78b-0e56-4a14-8d95-a0026b7ac889" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_3e23e78b-0e56-4a14-8d95-a0026b7ac889_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementClassOfStockAxis_3e23e78b-0e56-4a14-8d95-a0026b7ac889" xlink:to="loc_us-gaap_ClassOfStockDomain_3e23e78b-0e56-4a14-8d95-a0026b7ac889_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_ac648e5e-9b70-4f66-a62d-fe2b315f0151" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementClassOfStockAxis_3e23e78b-0e56-4a14-8d95-a0026b7ac889" xlink:to="loc_us-gaap_ClassOfStockDomain_ac648e5e-9b70-4f66-a62d-fe2b315f0151" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassAMember_395e18a5-39e6-4d4d-be71-91449261298c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonClassAMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_ac648e5e-9b70-4f66-a62d-fe2b315f0151" xlink:to="loc_us-gaap_CommonClassAMember_395e18a5-39e6-4d4d-be71-91449261298c" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassBMember_42449467-8961-49df-993e-96e1dca60392" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonClassBMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_ac648e5e-9b70-4f66-a62d-fe2b315f0151" xlink:to="loc_us-gaap_CommonClassBMember_42449467-8961-49df-993e-96e1dca60392" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentType_6fbfc5be-dc70-47e5-ade3-aaa5f4b62a7f" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentType"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityListingsLineItems_50aed686-52ed-4a90-9430-d6d7140d518e" xlink:to="loc_dei_DocumentType_6fbfc5be-dc70-47e5-ade3-aaa5f4b62a7f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentQuarterlyReport_dfab59c0-c5d7-47a7-a531-4c6927f5fd73" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentQuarterlyReport"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityListingsLineItems_50aed686-52ed-4a90-9430-d6d7140d518e" xlink:to="loc_dei_DocumentQuarterlyReport_dfab59c0-c5d7-47a7-a531-4c6927f5fd73" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentPeriodEndDate_b9877242-457a-4528-a823-116e3e2b3521" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentPeriodEndDate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityListingsLineItems_50aed686-52ed-4a90-9430-d6d7140d518e" xlink:to="loc_dei_DocumentPeriodEndDate_b9877242-457a-4528-a823-116e3e2b3521" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentTransitionReport_d7f874a3-e35e-4813-be95-363658787ba9" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentTransitionReport"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityListingsLineItems_50aed686-52ed-4a90-9430-d6d7140d518e" xlink:to="loc_dei_DocumentTransitionReport_d7f874a3-e35e-4813-be95-363658787ba9" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFileNumber_fe4a3782-28fa-4d37-8d90-365be03aed5d" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityFileNumber"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityListingsLineItems_50aed686-52ed-4a90-9430-d6d7140d518e" xlink:to="loc_dei_EntityFileNumber_fe4a3782-28fa-4d37-8d90-365be03aed5d" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityRegistrantName_6b92be2d-b1cf-45a9-8ac1-2764f18be9f1" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityRegistrantName"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityListingsLineItems_50aed686-52ed-4a90-9430-d6d7140d518e" xlink:to="loc_dei_EntityRegistrantName_6b92be2d-b1cf-45a9-8ac1-2764f18be9f1" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityIncorporationStateCountryCode_2f3fea11-8ddd-4c9b-bbd5-076872bea698" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityIncorporationStateCountryCode"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityListingsLineItems_50aed686-52ed-4a90-9430-d6d7140d518e" xlink:to="loc_dei_EntityIncorporationStateCountryCode_2f3fea11-8ddd-4c9b-bbd5-076872bea698" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityTaxIdentificationNumber_b9172618-13a8-40c6-9ad0-4767701e7199" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityTaxIdentificationNumber"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityListingsLineItems_50aed686-52ed-4a90-9430-d6d7140d518e" xlink:to="loc_dei_EntityTaxIdentificationNumber_b9172618-13a8-40c6-9ad0-4767701e7199" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressAddressLine1_86de5c59-15f5-48a4-a90b-de132d3a17e7" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressAddressLine1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityListingsLineItems_50aed686-52ed-4a90-9430-d6d7140d518e" xlink:to="loc_dei_EntityAddressAddressLine1_86de5c59-15f5-48a4-a90b-de132d3a17e7" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressAddressLine2_aab1ed16-a62c-4ec7-82b4-2ef283324c70" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressAddressLine2"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityListingsLineItems_50aed686-52ed-4a90-9430-d6d7140d518e" xlink:to="loc_dei_EntityAddressAddressLine2_aab1ed16-a62c-4ec7-82b4-2ef283324c70" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressCityOrTown_a539ff87-b140-4a79-b051-c65a1f1ae2d0" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressCityOrTown"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityListingsLineItems_50aed686-52ed-4a90-9430-d6d7140d518e" xlink:to="loc_dei_EntityAddressCityOrTown_a539ff87-b140-4a79-b051-c65a1f1ae2d0" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressStateOrProvince_6ed43952-8bd7-4f48-bfd2-beb24c819c49" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressStateOrProvince"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityListingsLineItems_50aed686-52ed-4a90-9430-d6d7140d518e" xlink:to="loc_dei_EntityAddressStateOrProvince_6ed43952-8bd7-4f48-bfd2-beb24c819c49" xlink:type="arc" order="11"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressPostalZipCode_40c2e69d-c354-45d2-b28e-f7a22254cffc" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressPostalZipCode"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityListingsLineItems_50aed686-52ed-4a90-9430-d6d7140d518e" xlink:to="loc_dei_EntityAddressPostalZipCode_40c2e69d-c354-45d2-b28e-f7a22254cffc" xlink:type="arc" order="12"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CityAreaCode_e35e9d41-4721-4c27-b335-1548a21d2ae8" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CityAreaCode"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityListingsLineItems_50aed686-52ed-4a90-9430-d6d7140d518e" xlink:to="loc_dei_CityAreaCode_e35e9d41-4721-4c27-b335-1548a21d2ae8" xlink:type="arc" order="13"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LocalPhoneNumber_b01acec4-8e8f-4c60-b47a-fdd581b859d7" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_LocalPhoneNumber"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityListingsLineItems_50aed686-52ed-4a90-9430-d6d7140d518e" xlink:to="loc_dei_LocalPhoneNumber_b01acec4-8e8f-4c60-b47a-fdd581b859d7" xlink:type="arc" order="14"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_Security12bTitle_9295f6c0-8f1f-4f10-812e-cfe055463733" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_Security12bTitle"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityListingsLineItems_50aed686-52ed-4a90-9430-d6d7140d518e" xlink:to="loc_dei_Security12bTitle_9295f6c0-8f1f-4f10-812e-cfe055463733" xlink:type="arc" order="15"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_TradingSymbol_98f0da9b-fca7-4a8c-931c-ba812c814c7f" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_TradingSymbol"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityListingsLineItems_50aed686-52ed-4a90-9430-d6d7140d518e" xlink:to="loc_dei_TradingSymbol_98f0da9b-fca7-4a8c-931c-ba812c814c7f" xlink:type="arc" order="16"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_SecurityExchangeName_072adf18-2b29-410d-b7b2-8a9283a0e270" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_SecurityExchangeName"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityListingsLineItems_50aed686-52ed-4a90-9430-d6d7140d518e" xlink:to="loc_dei_SecurityExchangeName_072adf18-2b29-410d-b7b2-8a9283a0e270" xlink:type="arc" order="17"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCurrentReportingStatus_f2cf6ed0-669c-46f0-9246-d3104add0a48" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityCurrentReportingStatus"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityListingsLineItems_50aed686-52ed-4a90-9430-d6d7140d518e" xlink:to="loc_dei_EntityCurrentReportingStatus_f2cf6ed0-669c-46f0-9246-d3104add0a48" xlink:type="arc" order="18"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityInteractiveDataCurrent_825ee31d-a1a3-4462-b217-7ebddff91470" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityInteractiveDataCurrent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityListingsLineItems_50aed686-52ed-4a90-9430-d6d7140d518e" xlink:to="loc_dei_EntityInteractiveDataCurrent_825ee31d-a1a3-4462-b217-7ebddff91470" xlink:type="arc" order="19"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFilerCategory_fc080a48-7cd7-40b0-9442-0bb84a83126e" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityFilerCategory"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityListingsLineItems_50aed686-52ed-4a90-9430-d6d7140d518e" xlink:to="loc_dei_EntityFilerCategory_fc080a48-7cd7-40b0-9442-0bb84a83126e" xlink:type="arc" order="20"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntitySmallBusiness_b02d5bee-7113-44e6-9f62-897e88dd9f89" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntitySmallBusiness"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityListingsLineItems_50aed686-52ed-4a90-9430-d6d7140d518e" xlink:to="loc_dei_EntitySmallBusiness_b02d5bee-7113-44e6-9f62-897e88dd9f89" xlink:type="arc" order="21"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityEmergingGrowthCompany_31b30f5e-9cde-4f54-b5fc-b1ef683c90a6" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityEmergingGrowthCompany"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityListingsLineItems_50aed686-52ed-4a90-9430-d6d7140d518e" xlink:to="loc_dei_EntityEmergingGrowthCompany_31b30f5e-9cde-4f54-b5fc-b1ef683c90a6" xlink:type="arc" order="22"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityShellCompany_2a7c374a-ac0e-4466-ad46-648306f3619c" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityShellCompany"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityListingsLineItems_50aed686-52ed-4a90-9430-d6d7140d518e" xlink:to="loc_dei_EntityShellCompany_2a7c374a-ac0e-4466-ad46-648306f3619c" xlink:type="arc" order="23"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCommonStockSharesOutstanding_8c09cfbe-22d4-4fd4-83d2-c0c520300771" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityCommonStockSharesOutstanding"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityListingsLineItems_50aed686-52ed-4a90-9430-d6d7140d518e" xlink:to="loc_dei_EntityCommonStockSharesOutstanding_8c09cfbe-22d4-4fd4-83d2-c0c520300771" xlink:type="arc" order="24"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AmendmentFlag_c15b48d4-aba9-4d62-a20f-2416f1d3ced5" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_AmendmentFlag"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityListingsLineItems_50aed686-52ed-4a90-9430-d6d7140d518e" xlink:to="loc_dei_AmendmentFlag_c15b48d4-aba9-4d62-a20f-2416f1d3ced5" xlink:type="arc" order="25"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentFiscalYearFocus_0c9eaa4a-ec64-45c0-962d-8f442301b37a" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentFiscalYearFocus"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityListingsLineItems_50aed686-52ed-4a90-9430-d6d7140d518e" xlink:to="loc_dei_DocumentFiscalYearFocus_0c9eaa4a-ec64-45c0-962d-8f442301b37a" xlink:type="arc" order="26"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentFiscalPeriodFocus_8ac851a9-8f0b-4dc5-bf0d-e48fa5031c1d" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentFiscalPeriodFocus"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityListingsLineItems_50aed686-52ed-4a90-9430-d6d7140d518e" xlink:to="loc_dei_DocumentFiscalPeriodFocus_8ac851a9-8f0b-4dc5-bf0d-e48fa5031c1d" xlink:type="arc" order="27"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCentralIndexKey_37b7bdef-0340-47f0-84c2-c0aa0c791968" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityCentralIndexKey"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityListingsLineItems_50aed686-52ed-4a90-9430-d6d7140d518e" xlink:to="loc_dei_EntityCentralIndexKey_37b7bdef-0340-47f0-84c2-c0aa0c791968" xlink:type="arc" order="28"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CurrentFiscalYearEndDate_6f3953f5-2dbc-41f3-be0f-680e967b1360" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CurrentFiscalYearEndDate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityListingsLineItems_50aed686-52ed-4a90-9430-d6d7140d518e" xlink:to="loc_dei_CurrentFiscalYearEndDate_6f3953f5-2dbc-41f3-be0f-680e967b1360" xlink:type="arc" order="29"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.joinroot.com/role/CONDENSEDCONSOLIDATEDBALANCESHEETSUNAUDITED" xlink:type="simple" xlink:href="root-20240331.xsd#CONDENSEDCONSOLIDATEDBALANCESHEETSUNAUDITED"/>
  <link:definitionLink xlink:role="http://www.joinroot.com/role/CONDENSEDCONSOLIDATEDBALANCESHEETSUNAUDITED" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_c41e0f6f-7918-4e19-b474-5037dd60d708" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_b47f8424-52de-4110-8bf3-e7da081bf3b6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_StatementLineItems_c41e0f6f-7918-4e19-b474-5037dd60d708" xlink:to="loc_us-gaap_StatementTable_b47f8424-52de-4110-8bf3-e7da081bf3b6" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_478d6b2c-f17b-44b5-8dea-706af0661104" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_StatementTable_b47f8424-52de-4110-8bf3-e7da081bf3b6" xlink:to="loc_us-gaap_StatementClassOfStockAxis_478d6b2c-f17b-44b5-8dea-706af0661104" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_478d6b2c-f17b-44b5-8dea-706af0661104_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementClassOfStockAxis_478d6b2c-f17b-44b5-8dea-706af0661104" xlink:to="loc_us-gaap_ClassOfStockDomain_478d6b2c-f17b-44b5-8dea-706af0661104_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_d122f4c5-2307-4fac-be62-fc84d459fb31" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementClassOfStockAxis_478d6b2c-f17b-44b5-8dea-706af0661104" xlink:to="loc_us-gaap_ClassOfStockDomain_d122f4c5-2307-4fac-be62-fc84d459fb31" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassAMember_eaa701fa-d78f-4628-acc4-2cf0c937284e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonClassAMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_d122f4c5-2307-4fac-be62-fc84d459fb31" xlink:to="loc_us-gaap_CommonClassAMember_eaa701fa-d78f-4628-acc4-2cf0c937284e" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassBMember_4fa2c465-1b84-48e8-950e-ab1924f3b93b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonClassBMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_d122f4c5-2307-4fac-be62-fc84d459fb31" xlink:to="loc_us-gaap_CommonClassBMember_4fa2c465-1b84-48e8-950e-ab1924f3b93b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsAbstract_cadbd7b0-a21a-4ae6-a599-2b55e6eca7d1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AssetsAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_c41e0f6f-7918-4e19-b474-5037dd60d708" xlink:to="loc_us-gaap_AssetsAbstract_cadbd7b0-a21a-4ae6-a599-2b55e6eca7d1" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsAbstract_5712025a-a709-4003-aa4a-ca26a538ab77" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentsAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_cadbd7b0-a21a-4ae6-a599-2b55e6eca7d1" xlink:to="loc_us-gaap_InvestmentsAbstract_5712025a-a709-4003-aa4a-ca26a538ab77" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecuritiesNoncurrent_9faec295-9897-4dc8-ba50-3adedc104919" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecuritiesNoncurrent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InvestmentsAbstract_5712025a-a709-4003-aa4a-ca26a538ab77" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecuritiesNoncurrent_9faec295-9897-4dc8-ba50-3adedc104919" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecuritiesCurrent_460b97c5-13ce-4a5b-83e9-a78888599a13" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecuritiesCurrent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InvestmentsAbstract_5712025a-a709-4003-aa4a-ca26a538ab77" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecuritiesCurrent_460b97c5-13ce-4a5b-83e9-a78888599a13" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherInvestments_d0d0de4e-ab9d-4fb1-8087-2ca6fd6dedd0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherInvestments"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InvestmentsAbstract_5712025a-a709-4003-aa4a-ca26a538ab77" xlink:to="loc_us-gaap_OtherInvestments_d0d0de4e-ab9d-4fb1-8087-2ca6fd6dedd0" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Investments_7f6a5b04-e84d-4fca-b26a-ab29bbbb0c29" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_Investments"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InvestmentsAbstract_5712025a-a709-4003-aa4a-ca26a538ab77" xlink:to="loc_us-gaap_Investments_7f6a5b04-e84d-4fca-b26a-ab29bbbb0c29" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_c30eb212-6e7c-4089-85fb-8ff5345bd01e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_cadbd7b0-a21a-4ae6-a599-2b55e6eca7d1" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_c30eb212-6e7c-4089-85fb-8ff5345bd01e" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCash_27f2d1a8-ab17-444b-9c27-c34793c59da8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RestrictedCash"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_cadbd7b0-a21a-4ae6-a599-2b55e6eca7d1" xlink:to="loc_us-gaap_RestrictedCash_27f2d1a8-ab17-444b-9c27-c34793c59da8" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PremiumsReceivableAtCarryingValue_7ab3768b-9f42-404b-8d6b-34919f50d2cc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PremiumsReceivableAtCarryingValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_cadbd7b0-a21a-4ae6-a599-2b55e6eca7d1" xlink:to="loc_us-gaap_PremiumsReceivableAtCarryingValue_7ab3768b-9f42-404b-8d6b-34919f50d2cc" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReinsuranceRecoverablesOnPaidAndUnpaidLosses_252b9e04-2a6e-4a15-99ba-58b3f243cb8f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ReinsuranceRecoverablesOnPaidAndUnpaidLosses"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_cadbd7b0-a21a-4ae6-a599-2b55e6eca7d1" xlink:to="loc_us-gaap_ReinsuranceRecoverablesOnPaidAndUnpaidLosses_252b9e04-2a6e-4a15-99ba-58b3f243cb8f" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PrepaidReinsurancePremiums_cfef0f78-0fa8-4e3f-9d61-c2c415b95278" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PrepaidReinsurancePremiums"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_cadbd7b0-a21a-4ae6-a599-2b55e6eca7d1" xlink:to="loc_us-gaap_PrepaidReinsurancePremiums_cfef0f78-0fa8-4e3f-9d61-c2c415b95278" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_90fc3353-b9cd-4d42-a968-2bd4a7ef2150" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_cadbd7b0-a21a-4ae6-a599-2b55e6eca7d1" xlink:to="loc_us-gaap_OtherAssets_90fc3353-b9cd-4d42-a968-2bd4a7ef2150" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_fbe47871-1ff7-4b45-ac81-ae860c4558a8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_Assets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_cadbd7b0-a21a-4ae6-a599-2b55e6eca7d1" xlink:to="loc_us-gaap_Assets_fbe47871-1ff7-4b45-ac81-ae860c4558a8" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_f76b04f5-da9b-4e76-a676-8bca7516812c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_c41e0f6f-7918-4e19-b474-5037dd60d708" xlink:to="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_f76b04f5-da9b-4e76-a676-8bca7516812c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAbstract_5caa1c1d-16ee-4f85-9058-54c6f795d8a0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LiabilitiesAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_f76b04f5-da9b-4e76-a676-8bca7516812c" xlink:to="loc_us-gaap_LiabilitiesAbstract_5caa1c1d-16ee-4f85-9058-54c6f795d8a0" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_root_LiabilityForClaimsAndClaimsAdjustmentExpenseGross_815c2be7-9b9b-4602-b895-1293afd505e1" xlink:href="root-20240331.xsd#root_LiabilityForClaimsAndClaimsAdjustmentExpenseGross"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAbstract_5caa1c1d-16ee-4f85-9058-54c6f795d8a0" xlink:to="loc_root_LiabilityForClaimsAndClaimsAdjustmentExpenseGross_815c2be7-9b9b-4602-b895-1293afd505e1" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnearnedPremiums_3dbb700a-7e48-4ae1-b8d3-ccc63af3322e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_UnearnedPremiums"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAbstract_5caa1c1d-16ee-4f85-9058-54c6f795d8a0" xlink:to="loc_us-gaap_UnearnedPremiums_3dbb700a-7e48-4ae1-b8d3-ccc63af3322e" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_5997535b-5717-44c5-97b5-6d3e7559b250" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LongTermDebt"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAbstract_5caa1c1d-16ee-4f85-9058-54c6f795d8a0" xlink:to="loc_us-gaap_LongTermDebt_5997535b-5717-44c5-97b5-6d3e7559b250" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReinsurancePayable_604331cb-22a4-42ba-8ba5-848d3135677b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ReinsurancePayable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAbstract_5caa1c1d-16ee-4f85-9058-54c6f795d8a0" xlink:to="loc_us-gaap_ReinsurancePayable_604331cb-22a4-42ba-8ba5-848d3135677b" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent_5008a6de-fc2c-483b-be38-6fefad0e91a3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAbstract_5caa1c1d-16ee-4f85-9058-54c6f795d8a0" xlink:to="loc_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent_5008a6de-fc2c-483b-be38-6fefad0e91a3" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilities_f9295c97-7555-4362-9507-b1316c0f4abe" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherLiabilities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAbstract_5caa1c1d-16ee-4f85-9058-54c6f795d8a0" xlink:to="loc_us-gaap_OtherLiabilities_f9295c97-7555-4362-9507-b1316c0f4abe" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_984ba76f-4b76-4982-afaa-47bf9a4463c2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_Liabilities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAbstract_5caa1c1d-16ee-4f85-9058-54c6f795d8a0" xlink:to="loc_us-gaap_Liabilities_984ba76f-4b76-4982-afaa-47bf9a4463c2" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingencies_14cc77fb-08a5-47e5-8c51-d0beffaa5254" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommitmentsAndContingencies"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_f76b04f5-da9b-4e76-a676-8bca7516812c" xlink:to="loc_us-gaap_CommitmentsAndContingencies_14cc77fb-08a5-47e5-8c51-d0beffaa5254" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TemporaryEquityCarryingAmountAttributableToParent_01e92c7d-d380-4c76-ad3d-80ff6559f29d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TemporaryEquityCarryingAmountAttributableToParent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_f76b04f5-da9b-4e76-a676-8bca7516812c" xlink:to="loc_us-gaap_TemporaryEquityCarryingAmountAttributableToParent_01e92c7d-d380-4c76-ad3d-80ff6559f29d" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityAbstract_468f8f88-3074-4f33-9592-35c3e8c16920" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockholdersEquityAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_f76b04f5-da9b-4e76-a676-8bca7516812c" xlink:to="loc_us-gaap_StockholdersEquityAbstract_468f8f88-3074-4f33-9592-35c3e8c16920" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockValue_71b205c1-9cc9-40fb-a926-bba7a1898abe" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonStockValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StockholdersEquityAbstract_468f8f88-3074-4f33-9592-35c3e8c16920" xlink:to="loc_us-gaap_CommonStockValue_71b205c1-9cc9-40fb-a926-bba7a1898abe" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapital_32041dd5-f473-4386-ac23-18fee0052dd5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AdditionalPaidInCapital"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StockholdersEquityAbstract_468f8f88-3074-4f33-9592-35c3e8c16920" xlink:to="loc_us-gaap_AdditionalPaidInCapital_32041dd5-f473-4386-ac23-18fee0052dd5" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_4993448b-bd23-4db7-8540-b79f7ad72c44" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StockholdersEquityAbstract_468f8f88-3074-4f33-9592-35c3e8c16920" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_4993448b-bd23-4db7-8540-b79f7ad72c44" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit_3f94c3e9-053d-4a4f-a482-da6bcb06da77" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetainedEarningsAccumulatedDeficit"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StockholdersEquityAbstract_468f8f88-3074-4f33-9592-35c3e8c16920" xlink:to="loc_us-gaap_RetainedEarningsAccumulatedDeficit_3f94c3e9-053d-4a4f-a482-da6bcb06da77" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_9e599b42-a123-488f-a95f-5358e8292ed0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockholdersEquity"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StockholdersEquityAbstract_468f8f88-3074-4f33-9592-35c3e8c16920" xlink:to="loc_us-gaap_StockholdersEquity_9e599b42-a123-488f-a95f-5358e8292ed0" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_cb5db26b-8354-463a-89c9-4c2b4fed1677" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LiabilitiesAndStockholdersEquity"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_f76b04f5-da9b-4e76-a676-8bca7516812c" xlink:to="loc_us-gaap_LiabilitiesAndStockholdersEquity_cb5db26b-8354-463a-89c9-4c2b4fed1677" xlink:type="arc" order="5"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.joinroot.com/role/CONDENSEDCONSOLIDATEDBALANCESHEETSUNAUDITEDParenthetical" xlink:type="simple" xlink:href="root-20240331.xsd#CONDENSEDCONSOLIDATEDBALANCESHEETSUNAUDITEDParenthetical"/>
  <link:definitionLink xlink:role="http://www.joinroot.com/role/CONDENSEDCONSOLIDATEDBALANCESHEETSUNAUDITEDParenthetical" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_2a6d74e0-1354-42a9-99cf-f2f69c35ddaf" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_fec0366f-5639-4fd3-87aa-7e4cf021cf33" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_StatementLineItems_2a6d74e0-1354-42a9-99cf-f2f69c35ddaf" xlink:to="loc_us-gaap_StatementTable_fec0366f-5639-4fd3-87aa-7e4cf021cf33" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_0aa13228-38f0-40f4-a902-963fe3035b4d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_StatementTable_fec0366f-5639-4fd3-87aa-7e4cf021cf33" xlink:to="loc_us-gaap_StatementClassOfStockAxis_0aa13228-38f0-40f4-a902-963fe3035b4d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_0aa13228-38f0-40f4-a902-963fe3035b4d_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementClassOfStockAxis_0aa13228-38f0-40f4-a902-963fe3035b4d" xlink:to="loc_us-gaap_ClassOfStockDomain_0aa13228-38f0-40f4-a902-963fe3035b4d_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_283f0996-6df2-4f80-b32d-ecf6680c3e2b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementClassOfStockAxis_0aa13228-38f0-40f4-a902-963fe3035b4d" xlink:to="loc_us-gaap_ClassOfStockDomain_283f0996-6df2-4f80-b32d-ecf6680c3e2b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassAMember_6a91bc95-5b0f-434a-9ce4-d9bb49668695" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonClassAMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_283f0996-6df2-4f80-b32d-ecf6680c3e2b" xlink:to="loc_us-gaap_CommonClassAMember_6a91bc95-5b0f-434a-9ce4-d9bb49668695" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassBMember_81e4466c-6043-4657-9d16-dbe3dfd69a19" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonClassBMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_283f0996-6df2-4f80-b32d-ecf6680c3e2b" xlink:to="loc_us-gaap_CommonClassBMember_81e4466c-6043-4657-9d16-dbe3dfd69a19" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostNoncurrent_1c174a06-cacc-4e95-ae3d-1e0da204a1c7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostNoncurrent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_2a6d74e0-1354-42a9-99cf-f2f69c35ddaf" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostNoncurrent_1c174a06-cacc-4e95-ae3d-1e0da204a1c7" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostCurrent_cfc6cad4-41a9-4304-bc84-eac01501d444" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostCurrent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_2a6d74e0-1354-42a9-99cf-f2f69c35ddaf" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostCurrent_cfc6cad4-41a9-4304-bc84-eac01501d444" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PremiumsReceivableAllowanceForDoubtfulAccounts_b3ae706d-c9a6-4508-b98f-4d85d03aa4f5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PremiumsReceivableAllowanceForDoubtfulAccounts"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_2a6d74e0-1354-42a9-99cf-f2f69c35ddaf" xlink:to="loc_us-gaap_PremiumsReceivableAllowanceForDoubtfulAccounts_b3ae706d-c9a6-4508-b98f-4d85d03aa4f5" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReinsuranceRecoverablesAllowance_b2b66bb2-f4be-4bc3-84d9-2af7b4cf9174" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ReinsuranceRecoverablesAllowance"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_2a6d74e0-1354-42a9-99cf-f2f69c35ddaf" xlink:to="loc_us-gaap_ReinsuranceRecoverablesAllowance_b2b66bb2-f4be-4bc3-84d9-2af7b4cf9174" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockParOrStatedValuePerShare_67b87067-3b6c-43c0-aa81-cd551327304d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PreferredStockParOrStatedValuePerShare"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_2a6d74e0-1354-42a9-99cf-f2f69c35ddaf" xlink:to="loc_us-gaap_PreferredStockParOrStatedValuePerShare_67b87067-3b6c-43c0-aa81-cd551327304d" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesAuthorized_8f8523c0-d0b2-4626-966f-74a87e5bb59d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PreferredStockSharesAuthorized"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_2a6d74e0-1354-42a9-99cf-f2f69c35ddaf" xlink:to="loc_us-gaap_PreferredStockSharesAuthorized_8f8523c0-d0b2-4626-966f-74a87e5bb59d" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesIssued_bc945ef6-19ee-4d4f-8669-0362342cfab0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PreferredStockSharesIssued"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_2a6d74e0-1354-42a9-99cf-f2f69c35ddaf" xlink:to="loc_us-gaap_PreferredStockSharesIssued_bc945ef6-19ee-4d4f-8669-0362342cfab0" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesOutstanding_d991aec2-c4eb-4ca2-a0b6-3bda37d4ac43" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PreferredStockSharesOutstanding"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_2a6d74e0-1354-42a9-99cf-f2f69c35ddaf" xlink:to="loc_us-gaap_PreferredStockSharesOutstanding_d991aec2-c4eb-4ca2-a0b6-3bda37d4ac43" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockLiquidationPreferenceValue_8357d8b0-d5ea-4b86-913f-3b8797d7b693" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PreferredStockLiquidationPreferenceValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_2a6d74e0-1354-42a9-99cf-f2f69c35ddaf" xlink:to="loc_us-gaap_PreferredStockLiquidationPreferenceValue_8357d8b0-d5ea-4b86-913f-3b8797d7b693" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockParOrStatedValuePerShare_8c764aba-b30b-4ae0-9ed4-ca4da7c1be30" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonStockParOrStatedValuePerShare"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_2a6d74e0-1354-42a9-99cf-f2f69c35ddaf" xlink:to="loc_us-gaap_CommonStockParOrStatedValuePerShare_8c764aba-b30b-4ae0-9ed4-ca4da7c1be30" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesAuthorized_ec9b63c0-cdd3-4fe1-8d70-9d01d9c010df" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonStockSharesAuthorized"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_2a6d74e0-1354-42a9-99cf-f2f69c35ddaf" xlink:to="loc_us-gaap_CommonStockSharesAuthorized_ec9b63c0-cdd3-4fe1-8d70-9d01d9c010df" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesIssued_a46c8069-7589-4c70-8db3-e04300cda381" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonStockSharesIssued"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_2a6d74e0-1354-42a9-99cf-f2f69c35ddaf" xlink:to="loc_us-gaap_CommonStockSharesIssued_a46c8069-7589-4c70-8db3-e04300cda381" xlink:type="arc" order="11"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesOutstanding_0c96cf5f-03f8-4af1-8f12-bd71ae0ba1b0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonStockSharesOutstanding"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_2a6d74e0-1354-42a9-99cf-f2f69c35ddaf" xlink:to="loc_us-gaap_CommonStockSharesOutstanding_0c96cf5f-03f8-4af1-8f12-bd71ae0ba1b0" xlink:type="arc" order="12"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.joinroot.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFREDEEMABLECONVERTIBLEPREFERREDSTOCKANDSTOCKHOLDERSEQUITYUNAUDITED" xlink:type="simple" xlink:href="root-20240331.xsd#CONDENSEDCONSOLIDATEDSTATEMENTSOFREDEEMABLECONVERTIBLEPREFERREDSTOCKANDSTOCKHOLDERSEQUITYUNAUDITED"/>
  <link:definitionLink xlink:role="http://www.joinroot.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFREDEEMABLECONVERTIBLEPREFERREDSTOCKANDSTOCKHOLDERSEQUITYUNAUDITED" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_cf6893a5-7160-47d1-b503-83e4872db296" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_2a52cc0e-d503-4ff5-a74e-29a06f737a3f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_StatementLineItems_cf6893a5-7160-47d1-b503-83e4872db296" xlink:to="loc_us-gaap_StatementTable_2a52cc0e-d503-4ff5-a74e-29a06f737a3f" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_0ff51cd0-aad8-4aee-876b-b001feb68b7c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_StatementTable_2a52cc0e-d503-4ff5-a74e-29a06f737a3f" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_0ff51cd0-aad8-4aee-876b-b001feb68b7c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_0ff51cd0-aad8-4aee-876b-b001feb68b7c_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquityComponentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_0ff51cd0-aad8-4aee-876b-b001feb68b7c" xlink:to="loc_us-gaap_EquityComponentDomain_0ff51cd0-aad8-4aee-876b-b001feb68b7c_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_08888b61-a40d-4161-aef7-9c6e32f76a81" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquityComponentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_0ff51cd0-aad8-4aee-876b-b001feb68b7c" xlink:to="loc_us-gaap_EquityComponentDomain_08888b61-a40d-4161-aef7-9c6e32f76a81" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember_9d8bbcbb-9d0f-4a5a-a74e-d45250cb0bf6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_08888b61-a40d-4161-aef7-9c6e32f76a81" xlink:to="loc_us-gaap_CommonStockMember_9d8bbcbb-9d0f-4a5a-a74e-d45250cb0bf6" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapitalMember_69dfdc91-7d14-41af-a053-acaf29b7f45b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AdditionalPaidInCapitalMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_08888b61-a40d-4161-aef7-9c6e32f76a81" xlink:to="loc_us-gaap_AdditionalPaidInCapitalMember_69dfdc91-7d14-41af-a053-acaf29b7f45b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_2c765edc-9af0-45d2-903e-578b5897d092" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_08888b61-a40d-4161-aef7-9c6e32f76a81" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_2c765edc-9af0-45d2-903e-578b5897d092" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsMember_540b537e-f315-45c4-92a8-f425c6913c19" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetainedEarningsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_08888b61-a40d-4161-aef7-9c6e32f76a81" xlink:to="loc_us-gaap_RetainedEarningsMember_540b537e-f315-45c4-92a8-f425c6913c19" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_8bdeae0e-2b43-4f37-a71a-21e38288b7d1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_StatementTable_2a52cc0e-d503-4ff5-a74e-29a06f737a3f" xlink:to="loc_us-gaap_StatementClassOfStockAxis_8bdeae0e-2b43-4f37-a71a-21e38288b7d1" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_8bdeae0e-2b43-4f37-a71a-21e38288b7d1_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementClassOfStockAxis_8bdeae0e-2b43-4f37-a71a-21e38288b7d1" xlink:to="loc_us-gaap_ClassOfStockDomain_8bdeae0e-2b43-4f37-a71a-21e38288b7d1_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_5e1fd449-e569-4154-8534-910dcd1823f4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementClassOfStockAxis_8bdeae0e-2b43-4f37-a71a-21e38288b7d1" xlink:to="loc_us-gaap_ClassOfStockDomain_5e1fd449-e569-4154-8534-910dcd1823f4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassAMember_4304d717-83e1-4b7e-ba3f-d8c351e48ece" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonClassAMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_5e1fd449-e569-4154-8534-910dcd1823f4" xlink:to="loc_us-gaap_CommonClassAMember_4304d717-83e1-4b7e-ba3f-d8c351e48ece" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassBMember_deaaa971-dfdd-4f5b-a561-1b36f1cf3bee" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonClassBMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_5e1fd449-e569-4154-8534-910dcd1823f4" xlink:to="loc_us-gaap_CommonClassBMember_deaaa971-dfdd-4f5b-a561-1b36f1cf3bee" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInTemporaryEquityRollForward_8bdc2a09-0ca9-4832-98c8-64a4ea2054e3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncreaseDecreaseInTemporaryEquityRollForward"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_cf6893a5-7160-47d1-b503-83e4872db296" xlink:to="loc_us-gaap_IncreaseDecreaseInTemporaryEquityRollForward_8bdc2a09-0ca9-4832-98c8-64a4ea2054e3" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TemporaryEquitySharesOutstanding_23221fb5-0442-42b8-b42a-3b0e01edcc05" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TemporaryEquitySharesOutstanding"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInTemporaryEquityRollForward_8bdc2a09-0ca9-4832-98c8-64a4ea2054e3" xlink:to="loc_us-gaap_TemporaryEquitySharesOutstanding_23221fb5-0442-42b8-b42a-3b0e01edcc05" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TemporaryEquityCarryingAmountAttributableToParent_1822dad7-d7ea-4607-a70e-8a3acd676440" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TemporaryEquityCarryingAmountAttributableToParent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInTemporaryEquityRollForward_8bdc2a09-0ca9-4832-98c8-64a4ea2054e3" xlink:to="loc_us-gaap_TemporaryEquityCarryingAmountAttributableToParent_1822dad7-d7ea-4607-a70e-8a3acd676440" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TemporaryEquitySharesOutstanding_09fe54e9-a410-40a6-ba16-03d9499e4b4e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TemporaryEquitySharesOutstanding"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TemporaryEquityCarryingAmountAttributableToParent_60179272-d064-49a0-818c-1b4478ad9040" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TemporaryEquityCarryingAmountAttributableToParent"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_6f3d6e24-5a63-4533-afce-88542c760356" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncreaseDecreaseInStockholdersEquityRollForward"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_cf6893a5-7160-47d1-b503-83e4872db296" xlink:to="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_6f3d6e24-5a63-4533-afce-88542c760356" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesOutstanding_7a5e103c-5bdb-4bfb-b3c7-0a13ec9fe68e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonStockSharesOutstanding"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_6f3d6e24-5a63-4533-afce-88542c760356" xlink:to="loc_us-gaap_CommonStockSharesOutstanding_7a5e103c-5bdb-4bfb-b3c7-0a13ec9fe68e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_2e76edbe-01a9-41b8-a4f2-28407bb80b74" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockholdersEquity"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_6f3d6e24-5a63-4533-afce-88542c760356" xlink:to="loc_us-gaap_StockholdersEquity_2e76edbe-01a9-41b8-a4f2-28407bb80b74" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_3e0aaea0-2628-44f9-b9ed-4df8e4f53b51" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetIncomeLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_6f3d6e24-5a63-4533-afce-88542c760356" xlink:to="loc_us-gaap_NetIncomeLoss_3e0aaea0-2628-44f9-b9ed-4df8e4f53b51" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_a7ce6bca-f44e-4b92-8992-4091dc45695e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_6f3d6e24-5a63-4533-afce-88542c760356" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_a7ce6bca-f44e-4b92-8992-4091dc45695e" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised_1b8d6992-4213-4f1f-ab6b-8a7bc0b746eb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_6f3d6e24-5a63-4533-afce-88542c760356" xlink:to="loc_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised_1b8d6992-4213-4f1f-ab6b-8a7bc0b746eb" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised_ca630308-755b-4c6e-863a-39e7025915b1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_6f3d6e24-5a63-4533-afce-88542c760356" xlink:to="loc_us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised_ca630308-755b-4c6e-863a-39e7025915b1" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue_877af1ff-8322-4ae2-912b-77c3c05c9193" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_6f3d6e24-5a63-4533-afce-88542c760356" xlink:to="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue_877af1ff-8322-4ae2-912b-77c3c05c9193" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_root_APICShareBasedPaymentArrangementIncreaseForCostRecognitionWarrants_461ae224-76d5-4ff8-8ffc-4add3f4847a0" xlink:href="root-20240331.xsd#root_APICShareBasedPaymentArrangementIncreaseForCostRecognitionWarrants"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_6f3d6e24-5a63-4533-afce-88542c760356" xlink:to="loc_root_APICShareBasedPaymentArrangementIncreaseForCostRecognitionWarrants_461ae224-76d5-4ff8-8ffc-4add3f4847a0" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalStockIssuedIssuanceCosts_244702d3-2a00-479b-8e83-6ad7cd322718" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AdjustmentsToAdditionalPaidInCapitalStockIssuedIssuanceCosts"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_6f3d6e24-5a63-4533-afce-88542c760356" xlink:to="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalStockIssuedIssuanceCosts_244702d3-2a00-479b-8e83-6ad7cd322718" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesOutstanding_faae8190-223f-4fa4-bcac-bc3a3fc51368" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonStockSharesOutstanding"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_c444ceef-c412-4b25-a5f7-4292a367ec55" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockholdersEquity"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.joinroot.com/role/NATUREOFBUSINESSDetails" xlink:type="simple" xlink:href="root-20240331.xsd#NATUREOFBUSINESSDetails"/>
  <link:definitionLink xlink:role="http://www.joinroot.com/role/NATUREOFBUSINESSDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfEquityMethodInvestmentsLineItems_257358ec-66bf-43c2-b328-69e2e5457270" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfEquityMethodInvestmentsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfEquityMethodInvestmentsTable_2453daf4-cc00-47ef-98b5-8f9a063a77b5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfEquityMethodInvestmentsTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ScheduleOfEquityMethodInvestmentsLineItems_257358ec-66bf-43c2-b328-69e2e5457270" xlink:to="loc_us-gaap_ScheduleOfEquityMethodInvestmentsTable_2453daf4-cc00-47ef-98b5-8f9a063a77b5" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis_f539b376-c74d-4ce2-80c7-7b3a4d415182" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfEquityMethodInvestmentsTable_2453daf4-cc00-47ef-98b5-8f9a063a77b5" xlink:to="loc_srt_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis_f539b376-c74d-4ce2-80c7-7b3a4d415182" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_EquityMethodInvesteeNameDomain_f539b376-c74d-4ce2-80c7-7b3a4d415182_default" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_EquityMethodInvesteeNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis_f539b376-c74d-4ce2-80c7-7b3a4d415182" xlink:to="loc_srt_EquityMethodInvesteeNameDomain_f539b376-c74d-4ce2-80c7-7b3a4d415182_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_EquityMethodInvesteeNameDomain_8fbaaeeb-476b-4ae7-819b-83524cc9b7f3" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_EquityMethodInvesteeNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis_f539b376-c74d-4ce2-80c7-7b3a4d415182" xlink:to="loc_srt_EquityMethodInvesteeNameDomain_8fbaaeeb-476b-4ae7-819b-83524cc9b7f3" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_root_RootInsuranceCompanyMember_a74586ad-0fa8-4673-ab1c-2ee85b48c9f5" xlink:href="root-20240331.xsd#root_RootInsuranceCompanyMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_EquityMethodInvesteeNameDomain_8fbaaeeb-476b-4ae7-819b-83524cc9b7f3" xlink:to="loc_root_RootInsuranceCompanyMember_a74586ad-0fa8-4673-ab1c-2ee85b48c9f5" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_root_RootPropertyCasualtyInsuranceCompanyMember_b82b2007-c754-4c02-bb7b-faa52eaff963" xlink:href="root-20240331.xsd#root_RootPropertyCasualtyInsuranceCompanyMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_EquityMethodInvesteeNameDomain_8fbaaeeb-476b-4ae7-819b-83524cc9b7f3" xlink:to="loc_root_RootPropertyCasualtyInsuranceCompanyMember_b82b2007-c754-4c02-bb7b-faa52eaff963" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_root_RootReinsuranceCompanyLtdMember_3f9d48b5-e866-4b15-a553-96c68d5f80aa" xlink:href="root-20240331.xsd#root_RootReinsuranceCompanyLtdMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_EquityMethodInvesteeNameDomain_8fbaaeeb-476b-4ae7-819b-83524cc9b7f3" xlink:to="loc_root_RootReinsuranceCompanyLtdMember_3f9d48b5-e866-4b15-a553-96c68d5f80aa" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityMethodInvestmentOwnershipPercentage_09031744-7b3e-4324-bb5f-e984e341b2bc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquityMethodInvestmentOwnershipPercentage"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfEquityMethodInvestmentsLineItems_257358ec-66bf-43c2-b328-69e2e5457270" xlink:to="loc_us-gaap_EquityMethodInvestmentOwnershipPercentage_09031744-7b3e-4324-bb5f-e984e341b2bc" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.joinroot.com/role/INVESTMENTSAmortizedCostandFairValueDetails" xlink:type="simple" xlink:href="root-20240331.xsd#INVESTMENTSAmortizedCostandFairValueDetails"/>
  <link:definitionLink xlink:role="http://www.joinroot.com/role/INVESTMENTSAmortizedCostandFairValueDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_0ce06f6b-f28f-4c34-9805-e23fa5743b1b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_58ca0578-57a2-4caa-9b9c-445af4a37373" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_0ce06f6b-f28f-4c34-9805-e23fa5743b1b" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_58ca0578-57a2-4caa-9b9c-445af4a37373" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_ccf2eb2d-abb3-4069-8104-2f84891abde9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_58ca0578-57a2-4caa-9b9c-445af4a37373" xlink:to="loc_us-gaap_FinancialInstrumentAxis_ccf2eb2d-abb3-4069-8104-2f84891abde9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_ccf2eb2d-abb3-4069-8104-2f84891abde9_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_ccf2eb2d-abb3-4069-8104-2f84891abde9" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_ccf2eb2d-abb3-4069-8104-2f84891abde9_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_1fa560f7-1492-4dbb-8b29-8acab87b1f0f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_ccf2eb2d-abb3-4069-8104-2f84891abde9" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_1fa560f7-1492-4dbb-8b29-8acab87b1f0f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USTreasuryAndGovernmentMember_a54cf2d0-0e33-4c88-b948-24b3a6379429" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_USTreasuryAndGovernmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_1fa560f7-1492-4dbb-8b29-8acab87b1f0f" xlink:to="loc_us-gaap_USTreasuryAndGovernmentMember_a54cf2d0-0e33-4c88-b948-24b3a6379429" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MunicipalBondsMember_c875fee9-4a32-4e6b-a015-43cca69ec021" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MunicipalBondsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_1fa560f7-1492-4dbb-8b29-8acab87b1f0f" xlink:to="loc_us-gaap_MunicipalBondsMember_c875fee9-4a32-4e6b-a015-43cca69ec021" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateDebtSecuritiesMember_741335d6-19e9-488e-8b74-c9993b4a47ef" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CorporateDebtSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_1fa560f7-1492-4dbb-8b29-8acab87b1f0f" xlink:to="loc_us-gaap_CorporateDebtSecuritiesMember_741335d6-19e9-488e-8b74-c9993b4a47ef" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialMortgageBackedSecuritiesMember_611798ae-b0e0-43a7-a9af-5b0db0f9a9ef" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ResidentialMortgageBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_1fa560f7-1492-4dbb-8b29-8acab87b1f0f" xlink:to="loc_us-gaap_ResidentialMortgageBackedSecuritiesMember_611798ae-b0e0-43a7-a9af-5b0db0f9a9ef" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_ca4480bb-64a6-489f-ac75-4ec4c6c02fe2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommercialMortgageBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_1fa560f7-1492-4dbb-8b29-8acab87b1f0f" xlink:to="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_ca4480bb-64a6-489f-ac75-4ec4c6c02fe2" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherDebtSecuritiesMember_ed406f35-b0a2-4ca6-9137-cab0bc2d921a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherDebtSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_1fa560f7-1492-4dbb-8b29-8acab87b1f0f" xlink:to="loc_us-gaap_OtherDebtSecuritiesMember_ed406f35-b0a2-4ca6-9137-cab0bc2d921a" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FixedMaturitiesMember_2c37b7b9-fac3-4519-9f32-3a0511ee3f2e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FixedMaturitiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_1fa560f7-1492-4dbb-8b29-8acab87b1f0f" xlink:to="loc_us-gaap_FixedMaturitiesMember_2c37b7b9-fac3-4519-9f32-3a0511ee3f2e" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_root_DebtSecuritiesAvailableForSaleCurrentMember_0c100453-2da5-45c5-a056-c9a1fa74cdac" xlink:href="root-20240331.xsd#root_DebtSecuritiesAvailableForSaleCurrentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_1fa560f7-1492-4dbb-8b29-8acab87b1f0f" xlink:to="loc_root_DebtSecuritiesAvailableForSaleCurrentMember_0c100453-2da5-45c5-a056-c9a1fa74cdac" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_d2ea85e7-d390-4f76-b11e-3b5639277ddc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_0ce06f6b-f28f-4c34-9805-e23fa5743b1b" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_d2ea85e7-d390-4f76-b11e-3b5639277ddc" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLoss_f65f16e7-c130-4c65-9867-09423f4e3828" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_0ce06f6b-f28f-4c34-9805-e23fa5743b1b" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLoss_f65f16e7-c130-4c65-9867-09423f4e3828" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_4f726b76-cfad-4ffd-a660-d6a55206d58b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_0ce06f6b-f28f-4c34-9805-e23fa5743b1b" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_4f726b76-cfad-4ffd-a660-d6a55206d58b" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_10914d0d-9a44-47ac-b0fb-cea1d2dc1ce6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_0ce06f6b-f28f-4c34-9805-e23fa5743b1b" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_10914d0d-9a44-47ac-b0fb-cea1d2dc1ce6" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_8dabd5f2-5c84-4216-bfca-1a3e12d9496e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_0ce06f6b-f28f-4c34-9805-e23fa5743b1b" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_8dabd5f2-5c84-4216-bfca-1a3e12d9496e" xlink:type="arc" order="4"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.joinroot.com/role/INVESTMENTSUnrealizedLossesDetails" xlink:type="simple" xlink:href="root-20240331.xsd#INVESTMENTSUnrealizedLossesDetails"/>
  <link:definitionLink xlink:role="http://www.joinroot.com/role/INVESTMENTSUnrealizedLossesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_72e7a44d-8457-4b20-905d-3117d54586a6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTable_a3437234-d61d-4086-99a6-ae67dd01840c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_72e7a44d-8457-4b20-905d-3117d54586a6" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTable_a3437234-d61d-4086-99a6-ae67dd01840c" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_b93836fa-f582-4e22-bc2b-74327321b0e8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTable_a3437234-d61d-4086-99a6-ae67dd01840c" xlink:to="loc_us-gaap_FinancialInstrumentAxis_b93836fa-f582-4e22-bc2b-74327321b0e8" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b93836fa-f582-4e22-bc2b-74327321b0e8_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_b93836fa-f582-4e22-bc2b-74327321b0e8" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b93836fa-f582-4e22-bc2b-74327321b0e8_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_c75dded3-fe32-4fdb-ad2f-174c07234f1d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_b93836fa-f582-4e22-bc2b-74327321b0e8" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_c75dded3-fe32-4fdb-ad2f-174c07234f1d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USTreasuryAndGovernmentMember_28173858-0425-4f81-b80f-6b29d7cc8313" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_USTreasuryAndGovernmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_c75dded3-fe32-4fdb-ad2f-174c07234f1d" xlink:to="loc_us-gaap_USTreasuryAndGovernmentMember_28173858-0425-4f81-b80f-6b29d7cc8313" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MunicipalBondsMember_de40c251-f632-45f7-b079-11652c77a38b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MunicipalBondsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_c75dded3-fe32-4fdb-ad2f-174c07234f1d" xlink:to="loc_us-gaap_MunicipalBondsMember_de40c251-f632-45f7-b079-11652c77a38b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateDebtSecuritiesMember_f30bcced-f182-455b-b493-d78e37985993" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CorporateDebtSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_c75dded3-fe32-4fdb-ad2f-174c07234f1d" xlink:to="loc_us-gaap_CorporateDebtSecuritiesMember_f30bcced-f182-455b-b493-d78e37985993" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialMortgageBackedSecuritiesMember_d13cfa43-da48-4601-a2c7-729b435a93dd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ResidentialMortgageBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_c75dded3-fe32-4fdb-ad2f-174c07234f1d" xlink:to="loc_us-gaap_ResidentialMortgageBackedSecuritiesMember_d13cfa43-da48-4601-a2c7-729b435a93dd" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_c090cbe0-d3f6-430b-9b39-3147aa357a2c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommercialMortgageBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_c75dded3-fe32-4fdb-ad2f-174c07234f1d" xlink:to="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_c090cbe0-d3f6-430b-9b39-3147aa357a2c" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherDebtSecuritiesMember_f3bd5af4-e87f-47f2-a5d6-c59d0b281417" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherDebtSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_c75dded3-fe32-4fdb-ad2f-174c07234f1d" xlink:to="loc_us-gaap_OtherDebtSecuritiesMember_f3bd5af4-e87f-47f2-a5d6-c59d0b281417" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FixedMaturitiesMember_277bdf12-22c7-4935-a817-f6024c6ee693" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FixedMaturitiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_c75dded3-fe32-4fdb-ad2f-174c07234f1d" xlink:to="loc_us-gaap_FixedMaturitiesMember_277bdf12-22c7-4935-a817-f6024c6ee693" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_root_DebtSecuritiesAvailableForSaleCurrentMember_f1f71955-1b58-4dea-99c9-31d64658a05c" xlink:href="root-20240331.xsd#root_DebtSecuritiesAvailableForSaleCurrentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_c75dded3-fe32-4fdb-ad2f-174c07234f1d" xlink:to="loc_root_DebtSecuritiesAvailableForSaleCurrentMember_f1f71955-1b58-4dea-99c9-31d64658a05c" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_7aa871c3-9dab-4e5e-b603-5940cd1a08a5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_72e7a44d-8457-4b20-905d-3117d54586a6" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_7aa871c3-9dab-4e5e-b603-5940cd1a08a5" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_28ad5d6c-9d53-49b3-a14f-2a7d9a371de1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_72e7a44d-8457-4b20-905d-3117d54586a6" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_28ad5d6c-9d53-49b3-a14f-2a7d9a371de1" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_d881f2da-650d-4ef9-8eb7-df02d2b29dc2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_72e7a44d-8457-4b20-905d-3117d54586a6" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_d881f2da-650d-4ef9-8eb7-df02d2b29dc2" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_d20b8f68-b26c-4fa9-8e6b-1a762d6373e2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_72e7a44d-8457-4b20-905d-3117d54586a6" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_d20b8f68-b26c-4fa9-8e6b-1a762d6373e2" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_9259055b-0f53-4c5f-89ee-97d4fb243a39" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_72e7a44d-8457-4b20-905d-3117d54586a6" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_9259055b-0f53-4c5f-89ee-97d4fb243a39" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_c8c01be7-834b-4e3c-bed6-164b3cb87ba6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_72e7a44d-8457-4b20-905d-3117d54586a6" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_c8c01be7-834b-4e3c-bed6-164b3cb87ba6" xlink:type="arc" order="5"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.joinroot.com/role/INVESTMENTSNetInvestmentIncomeDetails" xlink:type="simple" xlink:href="root-20240331.xsd#INVESTMENTSNetInvestmentIncomeDetails"/>
  <link:definitionLink xlink:role="http://www.joinroot.com/role/INVESTMENTSNetInvestmentIncomeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryLineItems_c6715d66-8726-44c5-a037-07c55da342be" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryTable_39ba5302-23d8-4e88-aeda-8e69d57e80b1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryLineItems_c6715d66-8726-44c5-a037-07c55da342be" xlink:to="loc_us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryTable_39ba5302-23d8-4e88-aeda-8e69d57e80b1" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeAxis_5492b92c-c2bf-48a3-b7b1-7886f4a8e031" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryTable_39ba5302-23d8-4e88-aeda-8e69d57e80b1" xlink:to="loc_us-gaap_InvestmentTypeAxis_5492b92c-c2bf-48a3-b7b1-7886f4a8e031" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeCategorizationMember_5492b92c-c2bf-48a3-b7b1-7886f4a8e031_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentTypeCategorizationMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_InvestmentTypeAxis_5492b92c-c2bf-48a3-b7b1-7886f4a8e031" xlink:to="loc_us-gaap_InvestmentTypeCategorizationMember_5492b92c-c2bf-48a3-b7b1-7886f4a8e031_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeCategorizationMember_566b8df6-2872-4243-97b8-7fa0852b3e56" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentTypeCategorizationMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_InvestmentTypeAxis_5492b92c-c2bf-48a3-b7b1-7886f4a8e031" xlink:to="loc_us-gaap_InvestmentTypeCategorizationMember_566b8df6-2872-4243-97b8-7fa0852b3e56" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BondsMember_159b0058-f533-4c6c-82df-4ef7663dbf14" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BondsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_566b8df6-2872-4243-97b8-7fa0852b3e56" xlink:to="loc_us-gaap_BondsMember_159b0058-f533-4c6c-82df-4ef7663dbf14" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsMember_fba76a78-97d9-415f-866b-77a1905cacbd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashAndCashEquivalentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_566b8df6-2872-4243-97b8-7fa0852b3e56" xlink:to="loc_us-gaap_CashAndCashEquivalentsMember_fba76a78-97d9-415f-866b-77a1905cacbd" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GrossInvestmentIncomeOperating_88b8aa1b-6549-478a-a7db-6dbf5b03de27" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GrossInvestmentIncomeOperating"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryLineItems_c6715d66-8726-44c5-a037-07c55da342be" xlink:to="loc_us-gaap_GrossInvestmentIncomeOperating_88b8aa1b-6549-478a-a7db-6dbf5b03de27" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentIncomeInvestmentExpense_134cf3d2-3ea6-4da2-ad3f-fb98cfa1bca5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentIncomeInvestmentExpense"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryLineItems_c6715d66-8726-44c5-a037-07c55da342be" xlink:to="loc_us-gaap_InvestmentIncomeInvestmentExpense_134cf3d2-3ea6-4da2-ad3f-fb98cfa1bca5" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetInvestmentIncome_528b1a86-790d-4d80-9808-89a7d929828a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetInvestmentIncome"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryLineItems_c6715d66-8726-44c5-a037-07c55da342be" xlink:to="loc_us-gaap_NetInvestmentIncome_528b1a86-790d-4d80-9808-89a7d929828a" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.joinroot.com/role/INVESTMENTSCreditRatingsDetails" xlink:type="simple" xlink:href="root-20240331.xsd#INVESTMENTSCreditRatingsDetails"/>
  <link:definitionLink xlink:role="http://www.joinroot.com/role/INVESTMENTSCreditRatingsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_764206f9-817c-4976-888a-50c5d81ada86" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_618e8f37-1a25-4412-ac52-6aa8b1860105" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_764206f9-817c-4976-888a-50c5d81ada86" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_618e8f37-1a25-4412-ac52-6aa8b1860105" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CreditRatingStandardPoorsAxis_ee87662a-d29f-41d3-895e-3f62dabcfa4d" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_CreditRatingStandardPoorsAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_618e8f37-1a25-4412-ac52-6aa8b1860105" xlink:to="loc_srt_CreditRatingStandardPoorsAxis_ee87662a-d29f-41d3-895e-3f62dabcfa4d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ExternalCreditRatingStandardPoorsMember_ee87662a-d29f-41d3-895e-3f62dabcfa4d_default" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ExternalCreditRatingStandardPoorsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_CreditRatingStandardPoorsAxis_ee87662a-d29f-41d3-895e-3f62dabcfa4d" xlink:to="loc_srt_ExternalCreditRatingStandardPoorsMember_ee87662a-d29f-41d3-895e-3f62dabcfa4d_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ExternalCreditRatingStandardPoorsMember_76a30434-a2fe-4901-a737-df2ea4f81bc9" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ExternalCreditRatingStandardPoorsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_CreditRatingStandardPoorsAxis_ee87662a-d29f-41d3-895e-3f62dabcfa4d" xlink:to="loc_srt_ExternalCreditRatingStandardPoorsMember_76a30434-a2fe-4901-a737-df2ea4f81bc9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StandardPoorsAAARatingMember_c0f84a3a-da00-4a11-9840-a2ac6348a0fc" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_StandardPoorsAAARatingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ExternalCreditRatingStandardPoorsMember_76a30434-a2fe-4901-a737-df2ea4f81bc9" xlink:to="loc_srt_StandardPoorsAAARatingMember_c0f84a3a-da00-4a11-9840-a2ac6348a0fc" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_root_StandardPoorsAAPlusAAAAMinusAMinusOneRatingMember_4670437c-774f-4dfc-99fc-febf730cc26c" xlink:href="root-20240331.xsd#root_StandardPoorsAAPlusAAAAMinusAMinusOneRatingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ExternalCreditRatingStandardPoorsMember_76a30434-a2fe-4901-a737-df2ea4f81bc9" xlink:to="loc_root_StandardPoorsAAPlusAAAAMinusAMinusOneRatingMember_4670437c-774f-4dfc-99fc-febf730cc26c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_root_StandardPoorsAPlusAAMinusRatingMember_fefc2659-dc1b-4e9c-8283-26a6b0e33439" xlink:href="root-20240331.xsd#root_StandardPoorsAPlusAAMinusRatingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ExternalCreditRatingStandardPoorsMember_76a30434-a2fe-4901-a737-df2ea4f81bc9" xlink:to="loc_root_StandardPoorsAPlusAAMinusRatingMember_fefc2659-dc1b-4e9c-8283-26a6b0e33439" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_root_StandardPoorsBBBPlusBBBBBBMinusRatingMember_61c97573-4d8b-47d7-bef6-68b21085b788" xlink:href="root-20240331.xsd#root_StandardPoorsBBBPlusBBBBBBMinusRatingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ExternalCreditRatingStandardPoorsMember_76a30434-a2fe-4901-a737-df2ea4f81bc9" xlink:to="loc_root_StandardPoorsBBBPlusBBBBBBMinusRatingMember_61c97573-4d8b-47d7-bef6-68b21085b788" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_root_StandardPoorsGlobalRatingTotalMember_ff305281-70a1-4b0a-85dd-eea02d374a81" xlink:href="root-20240331.xsd#root_StandardPoorsGlobalRatingTotalMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ExternalCreditRatingStandardPoorsMember_76a30434-a2fe-4901-a737-df2ea4f81bc9" xlink:to="loc_root_StandardPoorsGlobalRatingTotalMember_ff305281-70a1-4b0a-85dd-eea02d374a81" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskByBenchmarkAxis_df60a403-f6ca-4d34-9931-3ae9ee48ace5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ConcentrationRiskByBenchmarkAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_618e8f37-1a25-4412-ac52-6aa8b1860105" xlink:to="loc_us-gaap_ConcentrationRiskByBenchmarkAxis_df60a403-f6ca-4d34-9931-3ae9ee48ace5" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskBenchmarkDomain_df60a403-f6ca-4d34-9931-3ae9ee48ace5_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ConcentrationRiskBenchmarkDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_ConcentrationRiskByBenchmarkAxis_df60a403-f6ca-4d34-9931-3ae9ee48ace5" xlink:to="loc_us-gaap_ConcentrationRiskBenchmarkDomain_df60a403-f6ca-4d34-9931-3ae9ee48ace5_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskBenchmarkDomain_f8eff7e0-ab3c-4c7d-9557-b48e269a1a3b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ConcentrationRiskBenchmarkDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_ConcentrationRiskByBenchmarkAxis_df60a403-f6ca-4d34-9931-3ae9ee48ace5" xlink:to="loc_us-gaap_ConcentrationRiskBenchmarkDomain_f8eff7e0-ab3c-4c7d-9557-b48e269a1a3b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_root_DebtSecuritiesAvailableForSaleMember_569bea91-29f7-4bc7-b605-29722be055b1" xlink:href="root-20240331.xsd#root_DebtSecuritiesAvailableForSaleMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ConcentrationRiskBenchmarkDomain_f8eff7e0-ab3c-4c7d-9557-b48e269a1a3b" xlink:to="loc_root_DebtSecuritiesAvailableForSaleMember_569bea91-29f7-4bc7-b605-29722be055b1" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskByTypeAxis_1fdf3fda-2c2c-4a9d-93ab-6f457fefb102" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ConcentrationRiskByTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_618e8f37-1a25-4412-ac52-6aa8b1860105" xlink:to="loc_us-gaap_ConcentrationRiskByTypeAxis_1fdf3fda-2c2c-4a9d-93ab-6f457fefb102" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskTypeDomain_1fdf3fda-2c2c-4a9d-93ab-6f457fefb102_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ConcentrationRiskTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_ConcentrationRiskByTypeAxis_1fdf3fda-2c2c-4a9d-93ab-6f457fefb102" xlink:to="loc_us-gaap_ConcentrationRiskTypeDomain_1fdf3fda-2c2c-4a9d-93ab-6f457fefb102_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskTypeDomain_c9b3f47b-b91f-4c59-8555-0cf38d202310" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ConcentrationRiskTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_ConcentrationRiskByTypeAxis_1fdf3fda-2c2c-4a9d-93ab-6f457fefb102" xlink:to="loc_us-gaap_ConcentrationRiskTypeDomain_c9b3f47b-b91f-4c59-8555-0cf38d202310" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_root_CreditRatingConcentrationRiskMember_620ce728-2236-48ad-ad2a-473b79b28d1a" xlink:href="root-20240331.xsd#root_CreditRatingConcentrationRiskMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ConcentrationRiskTypeDomain_c9b3f47b-b91f-4c59-8555-0cf38d202310" xlink:to="loc_root_CreditRatingConcentrationRiskMember_620ce728-2236-48ad-ad2a-473b79b28d1a" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_5825696b-a494-4e3b-9d28-b89faee23df3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_764206f9-817c-4976-888a-50c5d81ada86" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_5825696b-a494-4e3b-9d28-b89faee23df3" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_a96f174f-4c9b-40f1-bd13-efdd20ba7da3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_764206f9-817c-4976-888a-50c5d81ada86" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_a96f174f-4c9b-40f1-bd13-efdd20ba7da3" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskPercentage1_e0c5d43c-1653-4767-94d3-8b9706c1f8c1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ConcentrationRiskPercentage1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_764206f9-817c-4976-888a-50c5d81ada86" xlink:to="loc_us-gaap_ConcentrationRiskPercentage1_e0c5d43c-1653-4767-94d3-8b9706c1f8c1" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.joinroot.com/role/FAIRVALUEOFFINANCIALINSTRUMENTSBalanceSheetGroupingDetails" xlink:type="simple" xlink:href="root-20240331.xsd#FAIRVALUEOFFINANCIALINSTRUMENTSBalanceSheetGroupingDetails"/>
  <link:definitionLink xlink:role="http://www.joinroot.com/role/FAIRVALUEOFFINANCIALINSTRUMENTSBalanceSheetGroupingDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_3c576228-aad3-414e-8e36-7de6629673c0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByBalanceSheetGroupingTable_a7a4d34b-ddd7-4c64-8b5c-20cf9b578049" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueByBalanceSheetGroupingTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_3c576228-aad3-414e-8e36-7de6629673c0" xlink:to="loc_us-gaap_FairValueByBalanceSheetGroupingTable_a7a4d34b-ddd7-4c64-8b5c-20cf9b578049" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_5e77adfb-d3c9-4d2e-8f25-ce3c315f2722" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable_a7a4d34b-ddd7-4c64-8b5c-20cf9b578049" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_5e77adfb-d3c9-4d2e-8f25-ce3c315f2722" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_5e77adfb-d3c9-4d2e-8f25-ce3c315f2722_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_5e77adfb-d3c9-4d2e-8f25-ce3c315f2722" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_5e77adfb-d3c9-4d2e-8f25-ce3c315f2722_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_3a25f601-871b-4d80-be5c-bde5e816ecfb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_5e77adfb-d3c9-4d2e-8f25-ce3c315f2722" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_3a25f601-871b-4d80-be5c-bde5e816ecfb" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel1Member_86e9adfa-fb64-4a74-9eb4-f661ee5e6e34" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueInputsLevel1Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_3a25f601-871b-4d80-be5c-bde5e816ecfb" xlink:to="loc_us-gaap_FairValueInputsLevel1Member_86e9adfa-fb64-4a74-9eb4-f661ee5e6e34" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel2Member_f5e25c31-cc9e-431d-bcf5-91b111ef8536" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueInputsLevel2Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_3a25f601-871b-4d80-be5c-bde5e816ecfb" xlink:to="loc_us-gaap_FairValueInputsLevel2Member_f5e25c31-cc9e-431d-bcf5-91b111ef8536" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_ee1d6d24-8146-4306-b3cf-645fd83ff7f8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_3a25f601-871b-4d80-be5c-bde5e816ecfb" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_ee1d6d24-8146-4306-b3cf-645fd83ff7f8" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_e6693f93-5c77-4f50-84cd-3d5368369676" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable_a7a4d34b-ddd7-4c64-8b5c-20cf9b578049" xlink:to="loc_us-gaap_FinancialInstrumentAxis_e6693f93-5c77-4f50-84cd-3d5368369676" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_e6693f93-5c77-4f50-84cd-3d5368369676_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_e6693f93-5c77-4f50-84cd-3d5368369676" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_e6693f93-5c77-4f50-84cd-3d5368369676_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_be1b1895-3f76-4c98-b296-8870e04b8f57" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_e6693f93-5c77-4f50-84cd-3d5368369676" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_be1b1895-3f76-4c98-b296-8870e04b8f57" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USTreasuryAndGovernmentMember_3e935f46-2424-4da4-9620-4c347abd2014" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_USTreasuryAndGovernmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_be1b1895-3f76-4c98-b296-8870e04b8f57" xlink:to="loc_us-gaap_USTreasuryAndGovernmentMember_3e935f46-2424-4da4-9620-4c347abd2014" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MunicipalBondsMember_eaec161b-e043-4097-a328-eb1ede559a85" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MunicipalBondsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_be1b1895-3f76-4c98-b296-8870e04b8f57" xlink:to="loc_us-gaap_MunicipalBondsMember_eaec161b-e043-4097-a328-eb1ede559a85" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateDebtSecuritiesMember_ab5613b2-3702-4c63-aed1-b91042f617b9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CorporateDebtSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_be1b1895-3f76-4c98-b296-8870e04b8f57" xlink:to="loc_us-gaap_CorporateDebtSecuritiesMember_ab5613b2-3702-4c63-aed1-b91042f617b9" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialMortgageBackedSecuritiesMember_0376ac2c-9f8e-442f-8d5a-a24c95054e38" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ResidentialMortgageBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_be1b1895-3f76-4c98-b296-8870e04b8f57" xlink:to="loc_us-gaap_ResidentialMortgageBackedSecuritiesMember_0376ac2c-9f8e-442f-8d5a-a24c95054e38" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_ee55245f-4b50-4fec-a347-ca8e0ee54f69" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommercialMortgageBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_be1b1895-3f76-4c98-b296-8870e04b8f57" xlink:to="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_ee55245f-4b50-4fec-a347-ca8e0ee54f69" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherDebtSecuritiesMember_d5859792-3c75-4f39-b8ed-7e78d36b6012" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherDebtSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_be1b1895-3f76-4c98-b296-8870e04b8f57" xlink:to="loc_us-gaap_OtherDebtSecuritiesMember_d5859792-3c75-4f39-b8ed-7e78d36b6012" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FixedMaturitiesMember_e3439776-504c-4522-bf07-4ecdeb9c4ff4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FixedMaturitiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_be1b1895-3f76-4c98-b296-8870e04b8f57" xlink:to="loc_us-gaap_FixedMaturitiesMember_e3439776-504c-4522-bf07-4ecdeb9c4ff4" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermInvestmentsMember_5486c2b3-a81d-444a-81f6-d6da3b000301" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShortTermInvestmentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_be1b1895-3f76-4c98-b296-8870e04b8f57" xlink:to="loc_us-gaap_ShortTermInvestmentsMember_5486c2b3-a81d-444a-81f6-d6da3b000301" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosureAbstract_8f221573-8c80-4e04-a45a-27bed3c52ad5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AssetsFairValueDisclosureAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_3c576228-aad3-414e-8e36-7de6629673c0" xlink:to="loc_us-gaap_AssetsFairValueDisclosureAbstract_8f221573-8c80-4e04-a45a-27bed3c52ad5" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_775e5df7-c360-4f86-8552-bd42b93df3bd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_8f221573-8c80-4e04-a45a-27bed3c52ad5" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_775e5df7-c360-4f86-8552-bd42b93df3bd" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_a44c126c-e72f-41e0-afac-6811e2b95cfa" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashAndCashEquivalentsFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_8f221573-8c80-4e04-a45a-27bed3c52ad5" xlink:to="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_a44c126c-e72f-41e0-afac-6811e2b95cfa" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosure_d853e837-28f0-4fb8-ba1c-945d06b696b4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_8f221573-8c80-4e04-a45a-27bed3c52ad5" xlink:to="loc_us-gaap_AssetsFairValueDisclosure_d853e837-28f0-4fb8-ba1c-945d06b696b4" xlink:type="arc" order="3"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.joinroot.com/role/FAIRVALUEOFFINANCIALINSTRUMENTSLongTermDebtDetails" xlink:type="simple" xlink:href="root-20240331.xsd#FAIRVALUEOFFINANCIALINSTRUMENTSLongTermDebtDetails"/>
  <link:definitionLink xlink:role="http://www.joinroot.com/role/FAIRVALUEOFFINANCIALINSTRUMENTSLongTermDebtDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_74b6d58b-83ea-43a7-9420-c2c5c4c88a85" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByBalanceSheetGroupingTable_feb45816-d3ff-46ef-ab30-c965087eaf62" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueByBalanceSheetGroupingTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_74b6d58b-83ea-43a7-9420-c2c5c4c88a85" xlink:to="loc_us-gaap_FairValueByBalanceSheetGroupingTable_feb45816-d3ff-46ef-ab30-c965087eaf62" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_37dc2e2d-6e95-4955-8fbd-139b4d75c934" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable_feb45816-d3ff-46ef-ab30-c965087eaf62" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_37dc2e2d-6e95-4955-8fbd-139b4d75c934" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_37dc2e2d-6e95-4955-8fbd-139b4d75c934_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_37dc2e2d-6e95-4955-8fbd-139b4d75c934" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_37dc2e2d-6e95-4955-8fbd-139b4d75c934_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_8b1debbc-9117-4fa4-89d5-374e9152e5df" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_37dc2e2d-6e95-4955-8fbd-139b4d75c934" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_8b1debbc-9117-4fa4-89d5-374e9152e5df" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel2Member_bf818d64-8e2b-47dc-a040-467041df4b5b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueInputsLevel2Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_8b1debbc-9117-4fa4-89d5-374e9152e5df" xlink:to="loc_us-gaap_FairValueInputsLevel2Member_bf818d64-8e2b-47dc-a040-467041df4b5b" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementBasisAxis_70ddf270-6d94-4a2b-adec-4f801c6f3acd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueByMeasurementBasisAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable_feb45816-d3ff-46ef-ab30-c965087eaf62" xlink:to="loc_us-gaap_FairValueByMeasurementBasisAxis_70ddf270-6d94-4a2b-adec-4f801c6f3acd" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_70ddf270-6d94-4a2b-adec-4f801c6f3acd_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PortionAtFairValueFairValueDisclosureMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FairValueByMeasurementBasisAxis_70ddf270-6d94-4a2b-adec-4f801c6f3acd" xlink:to="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_70ddf270-6d94-4a2b-adec-4f801c6f3acd_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosureItemAmountsDomain_d853df37-8951-4f52-933c-b27938c4a650" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueDisclosureItemAmountsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FairValueByMeasurementBasisAxis_70ddf270-6d94-4a2b-adec-4f801c6f3acd" xlink:to="loc_us-gaap_FairValueDisclosureItemAmountsDomain_d853df37-8951-4f52-933c-b27938c4a650" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_2cfc70ee-dbbc-4c50-9ff3-02fabe2f8cf7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PortionAtFairValueFairValueDisclosureMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueDisclosureItemAmountsDomain_d853df37-8951-4f52-933c-b27938c4a650" xlink:to="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_2cfc70ee-dbbc-4c50-9ff3-02fabe2f8cf7" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CarryingReportedAmountFairValueDisclosureMember_4c7c2267-5e9d-4658-8098-c4c24ee088f1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CarryingReportedAmountFairValueDisclosureMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_2cfc70ee-dbbc-4c50-9ff3-02fabe2f8cf7" xlink:to="loc_us-gaap_CarryingReportedAmountFairValueDisclosureMember_4c7c2267-5e9d-4658-8098-c4c24ee088f1" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EstimateOfFairValueFairValueDisclosureMember_a8e66712-24b8-4d4a-857c-c21f62971a2a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EstimateOfFairValueFairValueDisclosureMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_2cfc70ee-dbbc-4c50-9ff3-02fabe2f8cf7" xlink:to="loc_us-gaap_EstimateOfFairValueFairValueDisclosureMember_a8e66712-24b8-4d4a-857c-c21f62971a2a" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtFairValue_25d7e078-6339-4011-a0b8-9643adbb67ef" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LongTermDebtFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_74b6d58b-83ea-43a7-9420-c2c5c4c88a85" xlink:to="loc_us-gaap_LongTermDebtFairValue_25d7e078-6339-4011-a0b8-9643adbb67ef" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.joinroot.com/role/LONGTERMDEBTNarrativeDetails" xlink:type="simple" xlink:href="root-20240331.xsd#LONGTERMDEBTNarrativeDetails"/>
  <link:definitionLink xlink:role="http://www.joinroot.com/role/LONGTERMDEBTNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_fcd65a1f-fcd2-405b-be98-b776befd2e16" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_c568af71-31e2-4e63-99e2-1c88c7f3de4e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DebtInstrumentLineItems_fcd65a1f-fcd2-405b-be98-b776befd2e16" xlink:to="loc_us-gaap_DebtInstrumentTable_c568af71-31e2-4e63-99e2-1c88c7f3de4e" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_a9b537e4-9a3d-4cef-a95d-60288a7df772" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_c568af71-31e2-4e63-99e2-1c88c7f3de4e" xlink:to="loc_us-gaap_DebtInstrumentAxis_a9b537e4-9a3d-4cef-a95d-60288a7df772" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_a9b537e4-9a3d-4cef-a95d-60288a7df772_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DebtInstrumentAxis_a9b537e4-9a3d-4cef-a95d-60288a7df772" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_a9b537e4-9a3d-4cef-a95d-60288a7df772_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_bd264567-ed4f-4e28-8bbd-1d16f8b201f9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DebtInstrumentAxis_a9b537e4-9a3d-4cef-a95d-60288a7df772" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_bd264567-ed4f-4e28-8bbd-1d16f8b201f9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_root_TermLoanCMember_819d090a-52b4-4542-8e90-ab4798f72f6c" xlink:href="root-20240331.xsd#root_TermLoanCMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_bd264567-ed4f-4e28-8bbd-1d16f8b201f9" xlink:to="loc_root_TermLoanCMember_819d090a-52b4-4542-8e90-ab4798f72f6c" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_b250cfa9-17e8-4a2e-a473-6529b0f16330" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_c568af71-31e2-4e63-99e2-1c88c7f3de4e" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_b250cfa9-17e8-4a2e-a473-6529b0f16330" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_b250cfa9-17e8-4a2e-a473-6529b0f16330_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_b250cfa9-17e8-4a2e-a473-6529b0f16330" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_b250cfa9-17e8-4a2e-a473-6529b0f16330_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_3e1f2809-3b93-48c2-ba4a-58ad3fe65b17" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_b250cfa9-17e8-4a2e-a473-6529b0f16330" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_3e1f2809-3b93-48c2-ba4a-58ad3fe65b17" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuredDebtMember_fa87e870-cbf9-4821-84e9-40be8bebaded" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SecuredDebtMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_3e1f2809-3b93-48c2-ba4a-58ad3fe65b17" xlink:to="loc_us-gaap_SecuredDebtMember_fa87e870-cbf9-4821-84e9-40be8bebaded" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableRateAxis_9332cc13-f0fe-47f7-95fa-64cc025801eb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_VariableRateAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_c568af71-31e2-4e63-99e2-1c88c7f3de4e" xlink:to="loc_us-gaap_VariableRateAxis_9332cc13-f0fe-47f7-95fa-64cc025801eb" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableRateDomain_9332cc13-f0fe-47f7-95fa-64cc025801eb_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_VariableRateDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_VariableRateAxis_9332cc13-f0fe-47f7-95fa-64cc025801eb" xlink:to="loc_us-gaap_VariableRateDomain_9332cc13-f0fe-47f7-95fa-64cc025801eb_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableRateDomain_13a4b889-2a14-40b7-b0a8-2439e170cc7a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_VariableRateDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_VariableRateAxis_9332cc13-f0fe-47f7-95fa-64cc025801eb" xlink:to="loc_us-gaap_VariableRateDomain_13a4b889-2a14-40b7-b0a8-2439e170cc7a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuredOvernightFinancingRateSofrOvernightIndexSwapRateMember_dfbe3592-e3f6-4060-bf4a-9bd80c927bef" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SecuredOvernightFinancingRateSofrOvernightIndexSwapRateMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_VariableRateDomain_13a4b889-2a14-40b7-b0a8-2439e170cc7a" xlink:to="loc_us-gaap_SecuredOvernightFinancingRateSofrOvernightIndexSwapRateMember_dfbe3592-e3f6-4060-bf4a-9bd80c927bef" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentFaceAmount_008893b8-04b1-43da-b5f7-8929e68d89e4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentFaceAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_fcd65a1f-fcd2-405b-be98-b776befd2e16" xlink:to="loc_us-gaap_DebtInstrumentFaceAmount_008893b8-04b1-43da-b5f7-8929e68d89e4" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTerm_892bcdac-b0f3-4f90-9f44-b41c5b908062" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentTerm"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_fcd65a1f-fcd2-405b-be98-b776befd2e16" xlink:to="loc_us-gaap_DebtInstrumentTerm_892bcdac-b0f3-4f90-9f44-b41c5b908062" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_root_DebtInstrumentFloorInterestRate_bf3cc64f-b539-4d22-ad6f-a395900d85a3" xlink:href="root-20240331.xsd#root_DebtInstrumentFloorInterestRate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_fcd65a1f-fcd2-405b-be98-b776befd2e16" xlink:to="loc_root_DebtInstrumentFloorInterestRate_bf3cc64f-b539-4d22-ad6f-a395900d85a3" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_ee32ecb1-198a-4cbf-bcfc-ea87a8b7406a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentBasisSpreadOnVariableRate1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_fcd65a1f-fcd2-405b-be98-b776befd2e16" xlink:to="loc_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_ee32ecb1-198a-4cbf-bcfc-ea87a8b7406a" xlink:type="arc" order="3"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.joinroot.com/role/LONGTERMDEBTScheduleofLongTermDebtDetails" xlink:type="simple" xlink:href="root-20240331.xsd#LONGTERMDEBTScheduleofLongTermDebtDetails"/>
  <link:definitionLink xlink:role="http://www.joinroot.com/role/LONGTERMDEBTScheduleofLongTermDebtDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_5fb8317c-d8c5-494f-bead-e1cf596eb80e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_56f8e242-d41f-4c95-b66f-32a8835f7cd6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DebtInstrumentLineItems_5fb8317c-d8c5-494f-bead-e1cf596eb80e" xlink:to="loc_us-gaap_DebtInstrumentTable_56f8e242-d41f-4c95-b66f-32a8835f7cd6" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_5239df00-c821-4101-afbe-930ba7d98e55" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_56f8e242-d41f-4c95-b66f-32a8835f7cd6" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_5239df00-c821-4101-afbe-930ba7d98e55" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_5239df00-c821-4101-afbe-930ba7d98e55_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_5239df00-c821-4101-afbe-930ba7d98e55" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_5239df00-c821-4101-afbe-930ba7d98e55_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_d26d1cd6-c4cc-4ddd-bb49-dd7a41d0e6a9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_5239df00-c821-4101-afbe-930ba7d98e55" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_d26d1cd6-c4cc-4ddd-bb49-dd7a41d0e6a9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuredDebtMember_bacf3f51-b982-4e02-8041-fdbe6c95daeb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SecuredDebtMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_d26d1cd6-c4cc-4ddd-bb49-dd7a41d0e6a9" xlink:to="loc_us-gaap_SecuredDebtMember_bacf3f51-b982-4e02-8041-fdbe6c95daeb" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_5dc2a1b7-a3a7-4804-9051-16c17f7d7600" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_56f8e242-d41f-4c95-b66f-32a8835f7cd6" xlink:to="loc_us-gaap_DebtInstrumentAxis_5dc2a1b7-a3a7-4804-9051-16c17f7d7600" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_5dc2a1b7-a3a7-4804-9051-16c17f7d7600_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DebtInstrumentAxis_5dc2a1b7-a3a7-4804-9051-16c17f7d7600" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_5dc2a1b7-a3a7-4804-9051-16c17f7d7600_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_6ed9a2fb-39c8-40df-8d4b-a710aa2b78d5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DebtInstrumentAxis_5dc2a1b7-a3a7-4804-9051-16c17f7d7600" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_6ed9a2fb-39c8-40df-8d4b-a710aa2b78d5" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_root_TermLoanCMember_f5a204c2-573c-4d00-ba85-025fe548c7fa" xlink:href="root-20240331.xsd#root_TermLoanCMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_6ed9a2fb-39c8-40df-8d4b-a710aa2b78d5" xlink:to="loc_root_TermLoanCMember_f5a204c2-573c-4d00-ba85-025fe548c7fa" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentCarryingAmount_6f95ee06-3276-47d8-956e-e44a85b17857" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentCarryingAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_5fb8317c-d8c5-494f-bead-e1cf596eb80e" xlink:to="loc_us-gaap_DebtInstrumentCarryingAmount_6f95ee06-3276-47d8-956e-e44a85b17857" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestPayableCurrentAndNoncurrent_68947fb7-07a0-41fe-bc50-d5bbebf945a9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestPayableCurrentAndNoncurrent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_5fb8317c-d8c5-494f-bead-e1cf596eb80e" xlink:to="loc_us-gaap_InterestPayableCurrentAndNoncurrent_68947fb7-07a0-41fe-bc50-d5bbebf945a9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet_5438e50e-08f4-4f51-a289-295bb5d21879" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_5fb8317c-d8c5-494f-bead-e1cf596eb80e" xlink:to="loc_us-gaap_DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet_5438e50e-08f4-4f51-a289-295bb5d21879" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_547d8480-cc98-4dd3-978d-4ae2531641cb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LongTermDebt"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_5fb8317c-d8c5-494f-bead-e1cf596eb80e" xlink:to="loc_us-gaap_LongTermDebt_547d8480-cc98-4dd3-978d-4ae2531641cb" xlink:type="arc" order="3"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.joinroot.com/role/RESTRUCTURINGCOSTSRestructuringCostsRecordedInConsolidatedStatementsOfOperationsAndComprehensiveLossDetails" xlink:type="simple" xlink:href="root-20240331.xsd#RESTRUCTURINGCOSTSRestructuringCostsRecordedInConsolidatedStatementsOfOperationsAndComprehensiveLossDetails"/>
  <link:definitionLink xlink:role="http://www.joinroot.com/role/RESTRUCTURINGCOSTSRestructuringCostsRecordedInConsolidatedStatementsOfOperationsAndComprehensiveLossDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestructuringCostAndReserveLineItems_61866623-bf6a-425e-b3ed-00dbd7f6dc5c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RestructuringCostAndReserveLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfRestructuringAndRelatedCostsTable_b21167bb-7d28-4971-b6c4-cd7604264b88" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfRestructuringAndRelatedCostsTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_RestructuringCostAndReserveLineItems_61866623-bf6a-425e-b3ed-00dbd7f6dc5c" xlink:to="loc_us-gaap_ScheduleOfRestructuringAndRelatedCostsTable_b21167bb-7d28-4971-b6c4-cd7604264b88" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestructuringCostAndReserveAxis_a1c3bc7d-17cb-4f26-82c0-f4cadabf289a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RestructuringCostAndReserveAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfRestructuringAndRelatedCostsTable_b21167bb-7d28-4971-b6c4-cd7604264b88" xlink:to="loc_us-gaap_RestructuringCostAndReserveAxis_a1c3bc7d-17cb-4f26-82c0-f4cadabf289a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TypeOfRestructuringDomain_a1c3bc7d-17cb-4f26-82c0-f4cadabf289a_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TypeOfRestructuringDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_RestructuringCostAndReserveAxis_a1c3bc7d-17cb-4f26-82c0-f4cadabf289a" xlink:to="loc_us-gaap_TypeOfRestructuringDomain_a1c3bc7d-17cb-4f26-82c0-f4cadabf289a_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TypeOfRestructuringDomain_fc4ba590-cce1-43d7-a085-6208f84521d1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TypeOfRestructuringDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_RestructuringCostAndReserveAxis_a1c3bc7d-17cb-4f26-82c0-f4cadabf289a" xlink:to="loc_us-gaap_TypeOfRestructuringDomain_fc4ba590-cce1-43d7-a085-6208f84521d1" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeSeveranceMember_39cd895c-c716-4d44-a1ca-a665e159435b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EmployeeSeveranceMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TypeOfRestructuringDomain_fc4ba590-cce1-43d7-a085-6208f84521d1" xlink:to="loc_us-gaap_EmployeeSeveranceMember_39cd895c-c716-4d44-a1ca-a665e159435b" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_root_RealEstateExitCostsMember_a4fdf589-205c-4048-9acb-a789adc90669" xlink:href="root-20240331.xsd#root_RealEstateExitCostsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TypeOfRestructuringDomain_fc4ba590-cce1-43d7-a085-6208f84521d1" xlink:to="loc_root_RealEstateExitCostsMember_a4fdf589-205c-4048-9acb-a789adc90669" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherRestructuringMember_fb06cc52-c284-4dc1-b6f8-4aa2749dd690" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherRestructuringMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TypeOfRestructuringDomain_fc4ba590-cce1-43d7-a085-6208f84521d1" xlink:to="loc_us-gaap_OtherRestructuringMember_fb06cc52-c284-4dc1-b6f8-4aa2749dd690" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementLocationAxis_e6d8fe31-2e1e-429d-85e8-51ba46749496" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeStatementLocationAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfRestructuringAndRelatedCostsTable_b21167bb-7d28-4971-b6c4-cd7604264b88" xlink:to="loc_us-gaap_IncomeStatementLocationAxis_e6d8fe31-2e1e-429d-85e8-51ba46749496" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementLocationDomain_e6d8fe31-2e1e-429d-85e8-51ba46749496_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeStatementLocationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_IncomeStatementLocationAxis_e6d8fe31-2e1e-429d-85e8-51ba46749496" xlink:to="loc_us-gaap_IncomeStatementLocationDomain_e6d8fe31-2e1e-429d-85e8-51ba46749496_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementLocationDomain_9088d976-6aaf-428a-85fd-1a80a407597c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeStatementLocationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_IncomeStatementLocationAxis_e6d8fe31-2e1e-429d-85e8-51ba46749496" xlink:to="loc_us-gaap_IncomeStatementLocationDomain_9088d976-6aaf-428a-85fd-1a80a407597c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GeneralAndAdministrativeExpenseMember_c5a8b9c1-5ee0-4905-aafa-2ae10785b3e1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GeneralAndAdministrativeExpenseMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncomeStatementLocationDomain_9088d976-6aaf-428a-85fd-1a80a407597c" xlink:to="loc_us-gaap_GeneralAndAdministrativeExpenseMember_c5a8b9c1-5ee0-4905-aafa-2ae10785b3e1" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestructuringCosts_f9ab541f-b5f0-4536-9106-3deedb89484b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RestructuringCosts"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RestructuringCostAndReserveLineItems_61866623-bf6a-425e-b3ed-00dbd7f6dc5c" xlink:to="loc_us-gaap_RestructuringCosts_f9ab541f-b5f0-4536-9106-3deedb89484b" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.joinroot.com/role/RESTRUCTURINGCOSTSRestructuringCostsRecordedInConsolidatedBalanceSheetsDetails" xlink:type="simple" xlink:href="root-20240331.xsd#RESTRUCTURINGCOSTSRestructuringCostsRecordedInConsolidatedBalanceSheetsDetails"/>
  <link:definitionLink xlink:role="http://www.joinroot.com/role/RESTRUCTURINGCOSTSRestructuringCostsRecordedInConsolidatedBalanceSheetsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestructuringCostAndReserveLineItems_93a00167-10fb-4468-87df-4ce52093028a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RestructuringCostAndReserveLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfRestructuringAndRelatedCostsTable_c9bb7d46-bd92-477c-a161-127e9fdee176" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfRestructuringAndRelatedCostsTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_RestructuringCostAndReserveLineItems_93a00167-10fb-4468-87df-4ce52093028a" xlink:to="loc_us-gaap_ScheduleOfRestructuringAndRelatedCostsTable_c9bb7d46-bd92-477c-a161-127e9fdee176" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestructuringCostAndReserveAxis_0e794201-086a-4202-a5d3-962bd61d779a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RestructuringCostAndReserveAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfRestructuringAndRelatedCostsTable_c9bb7d46-bd92-477c-a161-127e9fdee176" xlink:to="loc_us-gaap_RestructuringCostAndReserveAxis_0e794201-086a-4202-a5d3-962bd61d779a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TypeOfRestructuringDomain_0e794201-086a-4202-a5d3-962bd61d779a_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TypeOfRestructuringDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_RestructuringCostAndReserveAxis_0e794201-086a-4202-a5d3-962bd61d779a" xlink:to="loc_us-gaap_TypeOfRestructuringDomain_0e794201-086a-4202-a5d3-962bd61d779a_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TypeOfRestructuringDomain_522e18a9-6403-4cf6-b378-042066fa7bc7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TypeOfRestructuringDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_RestructuringCostAndReserveAxis_0e794201-086a-4202-a5d3-962bd61d779a" xlink:to="loc_us-gaap_TypeOfRestructuringDomain_522e18a9-6403-4cf6-b378-042066fa7bc7" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeSeveranceMember_85888a8d-a108-49bd-b810-e69fb3790edf" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EmployeeSeveranceMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TypeOfRestructuringDomain_522e18a9-6403-4cf6-b378-042066fa7bc7" xlink:to="loc_us-gaap_EmployeeSeveranceMember_85888a8d-a108-49bd-b810-e69fb3790edf" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherRestructuringMember_22d787a7-55eb-4bcc-8419-2973a6b7e78d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherRestructuringMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TypeOfRestructuringDomain_522e18a9-6403-4cf6-b378-042066fa7bc7" xlink:to="loc_us-gaap_OtherRestructuringMember_22d787a7-55eb-4bcc-8419-2973a6b7e78d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestructuringReserveRollForward_ab825f5b-2946-499a-810e-95a05092406a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RestructuringReserveRollForward"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RestructuringCostAndReserveLineItems_93a00167-10fb-4468-87df-4ce52093028a" xlink:to="loc_us-gaap_RestructuringReserveRollForward_ab825f5b-2946-499a-810e-95a05092406a" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestructuringReserve_686bd6a9-d236-439c-9f2f-de70b74575c4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RestructuringReserve"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RestructuringReserveRollForward_ab825f5b-2946-499a-810e-95a05092406a" xlink:to="loc_us-gaap_RestructuringReserve_686bd6a9-d236-439c-9f2f-de70b74575c4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestructuringCharges_b577f699-530e-44da-adc5-e0cf933830cc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RestructuringCharges"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RestructuringReserveRollForward_ab825f5b-2946-499a-810e-95a05092406a" xlink:to="loc_us-gaap_RestructuringCharges_b577f699-530e-44da-adc5-e0cf933830cc" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRestructuring_2bfd86ed-7d60-4435-a0f4-b4d2e067e40d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PaymentsForRestructuring"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RestructuringReserveRollForward_ab825f5b-2946-499a-810e-95a05092406a" xlink:to="loc_us-gaap_PaymentsForRestructuring_2bfd86ed-7d60-4435-a0f4-b4d2e067e40d" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestructuringReserve_f4bd1d35-0914-4585-968f-6adaa117dadb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RestructuringReserve"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.joinroot.com/role/SHAREBASEDCOMPENSATIONNarrativeDetails" xlink:type="simple" xlink:href="root-20240331.xsd#SHAREBASEDCOMPENSATIONNarrativeDetails"/>
  <link:definitionLink xlink:role="http://www.joinroot.com/role/SHAREBASEDCOMPENSATIONNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_584a60bc-f6b3-407d-84ec-3b70c1abc007" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_a04b389d-51bd-4a25-819c-27b97dd32489" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_584a60bc-f6b3-407d-84ec-3b70c1abc007" xlink:to="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_a04b389d-51bd-4a25-819c-27b97dd32489" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CounterpartyNameAxis_c23e47c9-f16a-4349-845c-7409708ebcaf" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_CounterpartyNameAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_a04b389d-51bd-4a25-819c-27b97dd32489" xlink:to="loc_srt_CounterpartyNameAxis_c23e47c9-f16a-4349-845c-7409708ebcaf" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RepurchaseAgreementCounterpartyNameDomain_c23e47c9-f16a-4349-845c-7409708ebcaf_default" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RepurchaseAgreementCounterpartyNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_CounterpartyNameAxis_c23e47c9-f16a-4349-845c-7409708ebcaf" xlink:to="loc_srt_RepurchaseAgreementCounterpartyNameDomain_c23e47c9-f16a-4349-845c-7409708ebcaf_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RepurchaseAgreementCounterpartyNameDomain_a0e7c84e-e35e-4b03-a61a-d7a147262b57" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RepurchaseAgreementCounterpartyNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_CounterpartyNameAxis_c23e47c9-f16a-4349-845c-7409708ebcaf" xlink:to="loc_srt_RepurchaseAgreementCounterpartyNameDomain_a0e7c84e-e35e-4b03-a61a-d7a147262b57" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_root_CarvanaMember_530f7ab8-510a-4f11-b003-1c388ab1fe62" xlink:href="root-20240331.xsd#root_CarvanaMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RepurchaseAgreementCounterpartyNameDomain_a0e7c84e-e35e-4b03-a61a-d7a147262b57" xlink:to="loc_root_CarvanaMember_530f7ab8-510a-4f11-b003-1c388ab1fe62" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfWarrantOrRightAxis_7c770834-9027-4542-811e-796e1664cefe" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfWarrantOrRightAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_a04b389d-51bd-4a25-819c-27b97dd32489" xlink:to="loc_us-gaap_ClassOfWarrantOrRightAxis_7c770834-9027-4542-811e-796e1664cefe" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfWarrantOrRightDomain_7c770834-9027-4542-811e-796e1664cefe_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfWarrantOrRightDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_ClassOfWarrantOrRightAxis_7c770834-9027-4542-811e-796e1664cefe" xlink:to="loc_us-gaap_ClassOfWarrantOrRightDomain_7c770834-9027-4542-811e-796e1664cefe_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfWarrantOrRightDomain_21d5edd3-8263-47ad-9148-3830971835d3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfWarrantOrRightDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_ClassOfWarrantOrRightAxis_7c770834-9027-4542-811e-796e1664cefe" xlink:to="loc_us-gaap_ClassOfWarrantOrRightDomain_21d5edd3-8263-47ad-9148-3830971835d3" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_root_ShortTermWarrantMember_5faaa99b-a5f7-46f6-aa4b-668926684333" xlink:href="root-20240331.xsd#root_ShortTermWarrantMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfWarrantOrRightDomain_21d5edd3-8263-47ad-9148-3830971835d3" xlink:to="loc_root_ShortTermWarrantMember_5faaa99b-a5f7-46f6-aa4b-668926684333" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_root_LongTermWarrantMember_81e8af0c-d75e-48e8-86be-c0df1a2d0fa5" xlink:href="root-20240331.xsd#root_LongTermWarrantMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfWarrantOrRightDomain_21d5edd3-8263-47ad-9148-3830971835d3" xlink:to="loc_root_LongTermWarrantMember_81e8af0c-d75e-48e8-86be-c0df1a2d0fa5" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_1edcb866-2c35-4f73-81e9-031f621cd3c3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_a04b389d-51bd-4a25-819c-27b97dd32489" xlink:to="loc_us-gaap_StatementClassOfStockAxis_1edcb866-2c35-4f73-81e9-031f621cd3c3" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_1edcb866-2c35-4f73-81e9-031f621cd3c3_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementClassOfStockAxis_1edcb866-2c35-4f73-81e9-031f621cd3c3" xlink:to="loc_us-gaap_ClassOfStockDomain_1edcb866-2c35-4f73-81e9-031f621cd3c3_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_7592ad79-fba8-4215-bbc7-56b2ec5c4912" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementClassOfStockAxis_1edcb866-2c35-4f73-81e9-031f621cd3c3" xlink:to="loc_us-gaap_ClassOfStockDomain_7592ad79-fba8-4215-bbc7-56b2ec5c4912" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassAMember_92b4f07c-852e-45b5-a381-f48d5c3e30b1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonClassAMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_7592ad79-fba8-4215-bbc7-56b2ec5c4912" xlink:to="loc_us-gaap_CommonClassAMember_92b4f07c-852e-45b5-a381-f48d5c3e30b1" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis_ab162afb-85ba-4bf6-ad0d-bc63f33ab61d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AwardTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_a04b389d-51bd-4a25-819c-27b97dd32489" xlink:to="loc_us-gaap_AwardTypeAxis_ab162afb-85ba-4bf6-ad0d-bc63f33ab61d" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_ab162afb-85ba-4bf6-ad0d-bc63f33ab61d_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_AwardTypeAxis_ab162afb-85ba-4bf6-ad0d-bc63f33ab61d" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_ab162afb-85ba-4bf6-ad0d-bc63f33ab61d_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_b7330477-fd1b-45fb-8327-bd84144e8332" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_AwardTypeAxis_ab162afb-85ba-4bf6-ad0d-bc63f33ab61d" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_b7330477-fd1b-45fb-8327-bd84144e8332" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WarrantMember_103ceac1-ede3-4992-8b18-0c20ae4a38e1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_WarrantMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_b7330477-fd1b-45fb-8327-bd84144e8332" xlink:to="loc_us-gaap_WarrantMember_103ceac1-ede3-4992-8b18-0c20ae4a38e1" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeStockOptionMember_8c889ce8-c927-48fb-8ae3-6ba212f52d70" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EmployeeStockOptionMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_b7330477-fd1b-45fb-8327-bd84144e8332" xlink:to="loc_us-gaap_EmployeeStockOptionMember_8c889ce8-c927-48fb-8ae3-6ba212f52d70" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockUnitsRSUMember_900194a9-64ff-4170-a8b9-bf4c56c0ce6d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RestrictedStockUnitsRSUMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_b7330477-fd1b-45fb-8327-bd84144e8332" xlink:to="loc_us-gaap_RestrictedStockUnitsRSUMember_900194a9-64ff-4170-a8b9-bf4c56c0ce6d" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PerformanceSharesMember_9eebb05c-3284-4dbb-abab-6b0ff8ea0a9b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PerformanceSharesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_b7330477-fd1b-45fb-8327-bd84144e8332" xlink:to="loc_us-gaap_PerformanceSharesMember_9eebb05c-3284-4dbb-abab-6b0ff8ea0a9b" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementLocationAxis_5611604b-2cb9-4304-be3c-2109eac6bb34" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeStatementLocationAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_a04b389d-51bd-4a25-819c-27b97dd32489" xlink:to="loc_us-gaap_IncomeStatementLocationAxis_5611604b-2cb9-4304-be3c-2109eac6bb34" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementLocationDomain_5611604b-2cb9-4304-be3c-2109eac6bb34_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeStatementLocationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_IncomeStatementLocationAxis_5611604b-2cb9-4304-be3c-2109eac6bb34" xlink:to="loc_us-gaap_IncomeStatementLocationDomain_5611604b-2cb9-4304-be3c-2109eac6bb34_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementLocationDomain_c91a939f-f767-45b3-8827-bfff27481fff" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeStatementLocationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_IncomeStatementLocationAxis_5611604b-2cb9-4304-be3c-2109eac6bb34" xlink:to="loc_us-gaap_IncomeStatementLocationDomain_c91a939f-f767-45b3-8827-bfff27481fff" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_root_OtherInsuranceExpenseBenefitMember_b9f4ec82-f5e0-4058-8a88-fcabc4f030ac" xlink:href="root-20240331.xsd#root_OtherInsuranceExpenseBenefitMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncomeStatementLocationDomain_c91a939f-f767-45b3-8827-bfff27481fff" xlink:to="loc_root_OtherInsuranceExpenseBenefitMember_b9f4ec82-f5e0-4058-8a88-fcabc4f030ac" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PlanNameAxis_12e14395-5d18-4daa-8c61-3a77ff93044b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PlanNameAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_a04b389d-51bd-4a25-819c-27b97dd32489" xlink:to="loc_us-gaap_PlanNameAxis_12e14395-5d18-4daa-8c61-3a77ff93044b" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PlanNameDomain_12e14395-5d18-4daa-8c61-3a77ff93044b_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_PlanNameAxis_12e14395-5d18-4daa-8c61-3a77ff93044b" xlink:to="loc_us-gaap_PlanNameDomain_12e14395-5d18-4daa-8c61-3a77ff93044b_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PlanNameDomain_3f8b332e-10de-4916-b9ee-68639184be75" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_PlanNameAxis_12e14395-5d18-4daa-8c61-3a77ff93044b" xlink:to="loc_us-gaap_PlanNameDomain_3f8b332e-10de-4916-b9ee-68639184be75" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_root_A2020EquityIncentivePlanMember_f871ddec-b995-4db5-bb34-937532b28080" xlink:href="root-20240331.xsd#root_A2020EquityIncentivePlanMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PlanNameDomain_3f8b332e-10de-4916-b9ee-68639184be75" xlink:to="loc_root_A2020EquityIncentivePlanMember_f871ddec-b995-4db5-bb34-937532b28080" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_root_ClassOfWarrantOrRightNumberOfTranches_e69f6f92-eb2f-467d-9d84-71bdbe8501de" xlink:href="root-20240331.xsd#root_ClassOfWarrantOrRightNumberOfTranches"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_584a60bc-f6b3-407d-84ec-3b70c1abc007" xlink:to="loc_root_ClassOfWarrantOrRightNumberOfTranches_e69f6f92-eb2f-467d-9d84-71bdbe8501de" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights_0e822411-fa5e-4b24-a594-159a0c1bf961" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_584a60bc-f6b3-407d-84ec-3b70c1abc007" xlink:to="loc_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights_0e822411-fa5e-4b24-a594-159a0c1bf961" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AllocatedShareBasedCompensationExpense_12053151-6fe9-46ff-af63-13dd572e0cf2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AllocatedShareBasedCompensationExpense"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_584a60bc-f6b3-407d-84ec-3b70c1abc007" xlink:to="loc_us-gaap_AllocatedShareBasedCompensationExpense_12053151-6fe9-46ff-af63-13dd572e0cf2" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions_05a66f66-f2a6-4d32-81e9-b4a0d4ab8f98" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_584a60bc-f6b3-407d-84ec-3b70c1abc007" xlink:to="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions_05a66f66-f2a6-4d32-81e9-b4a0d4ab8f98" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1_7451becb-1c32-4bd1-b4d0-8d59eeabad65" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_584a60bc-f6b3-407d-84ec-3b70c1abc007" xlink:to="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1_7451becb-1c32-4bd1-b4d0-8d59eeabad65" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant_1d10669b-69f6-4df3-837f-394588b97ed3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_584a60bc-f6b3-407d-84ec-3b70c1abc007" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant_1d10669b-69f6-4df3-837f-394588b97ed3" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions_8f45f93e-9ad1-4397-9b19-d2619b98a05b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_584a60bc-f6b3-407d-84ec-3b70c1abc007" xlink:to="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions_8f45f93e-9ad1-4397-9b19-d2619b98a05b" xlink:type="arc" order="6"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.joinroot.com/role/SHAREBASEDCOMPENSATIONSharebasedCompensationExpenseDetails" xlink:type="simple" xlink:href="root-20240331.xsd#SHAREBASEDCOMPENSATIONSharebasedCompensationExpenseDetails"/>
  <link:definitionLink xlink:role="http://www.joinroot.com/role/SHAREBASEDCOMPENSATIONSharebasedCompensationExpenseDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsLineItems_576361ab-bb85-4344-88db-5f4221cfc67a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfEmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsTable_ce6860ee-5fcc-4d52-904f-3c5a4434dbbb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfEmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsLineItems_576361ab-bb85-4344-88db-5f4221cfc67a" xlink:to="loc_us-gaap_ScheduleOfEmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsTable_ce6860ee-5fcc-4d52-904f-3c5a4434dbbb" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementLocationAxis_beecb0fb-d415-448f-a2ae-04811698c61a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeStatementLocationAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfEmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsTable_ce6860ee-5fcc-4d52-904f-3c5a4434dbbb" xlink:to="loc_us-gaap_IncomeStatementLocationAxis_beecb0fb-d415-448f-a2ae-04811698c61a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementLocationDomain_beecb0fb-d415-448f-a2ae-04811698c61a_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeStatementLocationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_IncomeStatementLocationAxis_beecb0fb-d415-448f-a2ae-04811698c61a" xlink:to="loc_us-gaap_IncomeStatementLocationDomain_beecb0fb-d415-448f-a2ae-04811698c61a_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementLocationDomain_cb3a9853-19e3-4dd5-8d37-b0a76e7f29f1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeStatementLocationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_IncomeStatementLocationAxis_beecb0fb-d415-448f-a2ae-04811698c61a" xlink:to="loc_us-gaap_IncomeStatementLocationDomain_cb3a9853-19e3-4dd5-8d37-b0a76e7f29f1" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_root_LiabilityForClaimsAndClaimsAdjustmentExpenseMember_3ab0d266-e0b0-470c-9196-8708f26299dc" xlink:href="root-20240331.xsd#root_LiabilityForClaimsAndClaimsAdjustmentExpenseMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncomeStatementLocationDomain_cb3a9853-19e3-4dd5-8d37-b0a76e7f29f1" xlink:to="loc_root_LiabilityForClaimsAndClaimsAdjustmentExpenseMember_3ab0d266-e0b0-470c-9196-8708f26299dc" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SellingAndMarketingExpenseMember_f32531b5-1868-41f6-8251-24415cb74749" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SellingAndMarketingExpenseMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncomeStatementLocationDomain_cb3a9853-19e3-4dd5-8d37-b0a76e7f29f1" xlink:to="loc_us-gaap_SellingAndMarketingExpenseMember_f32531b5-1868-41f6-8251-24415cb74749" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_root_OtherInsuranceExpenseBenefitMember_fe68a7fa-ab31-428c-9e9b-1d9a88f6ae67" xlink:href="root-20240331.xsd#root_OtherInsuranceExpenseBenefitMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncomeStatementLocationDomain_cb3a9853-19e3-4dd5-8d37-b0a76e7f29f1" xlink:to="loc_root_OtherInsuranceExpenseBenefitMember_fe68a7fa-ab31-428c-9e9b-1d9a88f6ae67" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_root_TechnologyAndDevelopmentExpenseMember_33189a9e-d1ee-415d-8ab6-1bf1a500401a" xlink:href="root-20240331.xsd#root_TechnologyAndDevelopmentExpenseMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncomeStatementLocationDomain_cb3a9853-19e3-4dd5-8d37-b0a76e7f29f1" xlink:to="loc_root_TechnologyAndDevelopmentExpenseMember_33189a9e-d1ee-415d-8ab6-1bf1a500401a" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GeneralAndAdministrativeExpenseMember_a5972d45-177a-4326-b0f3-640a5ea70207" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GeneralAndAdministrativeExpenseMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncomeStatementLocationDomain_cb3a9853-19e3-4dd5-8d37-b0a76e7f29f1" xlink:to="loc_us-gaap_GeneralAndAdministrativeExpenseMember_a5972d45-177a-4326-b0f3-640a5ea70207" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis_c9e04830-0026-4b52-89e4-655247f7a967" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AwardTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfEmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsTable_ce6860ee-5fcc-4d52-904f-3c5a4434dbbb" xlink:to="loc_us-gaap_AwardTypeAxis_c9e04830-0026-4b52-89e4-655247f7a967" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_c9e04830-0026-4b52-89e4-655247f7a967_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_AwardTypeAxis_c9e04830-0026-4b52-89e4-655247f7a967" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_c9e04830-0026-4b52-89e4-655247f7a967_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_a88ca76b-1c34-43d0-a94b-22b09980e536" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_AwardTypeAxis_c9e04830-0026-4b52-89e4-655247f7a967" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_a88ca76b-1c34-43d0-a94b-22b09980e536" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockUnitsRSUMember_7c6fe583-8f22-4416-b15f-e1a640ba406e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RestrictedStockUnitsRSUMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_a88ca76b-1c34-43d0-a94b-22b09980e536" xlink:to="loc_us-gaap_RestrictedStockUnitsRSUMember_7c6fe583-8f22-4416-b15f-e1a640ba406e" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PerformanceSharesMember_3156a18d-fda0-464f-9719-fe0e7654627c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PerformanceSharesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_a88ca76b-1c34-43d0-a94b-22b09980e536" xlink:to="loc_us-gaap_PerformanceSharesMember_3156a18d-fda0-464f-9719-fe0e7654627c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeStockOptionMember_58db1bb7-2057-4b9c-9941-38f8ae324447" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EmployeeStockOptionMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_a88ca76b-1c34-43d0-a94b-22b09980e536" xlink:to="loc_us-gaap_EmployeeStockOptionMember_58db1bb7-2057-4b9c-9941-38f8ae324447" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AllocatedShareBasedCompensationExpense_246d0708-334e-4aaa-8690-3a6a1c416129" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AllocatedShareBasedCompensationExpense"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsLineItems_576361ab-bb85-4344-88db-5f4221cfc67a" xlink:to="loc_us-gaap_AllocatedShareBasedCompensationExpense_246d0708-334e-4aaa-8690-3a6a1c416129" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.joinroot.com/role/SHAREBASEDCOMPENSATIONRSUActivityDetails" xlink:type="simple" xlink:href="root-20240331.xsd#SHAREBASEDCOMPENSATIONRSUActivityDetails"/>
  <link:definitionLink xlink:role="http://www.joinroot.com/role/SHAREBASEDCOMPENSATIONRSUActivityDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_034d437a-62de-48b8-8ab9-8cb790fa66ec" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_c290ce4a-16ae-47e4-ad75-ef95f5088dc9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_034d437a-62de-48b8-8ab9-8cb790fa66ec" xlink:to="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_c290ce4a-16ae-47e4-ad75-ef95f5088dc9" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis_a74f4670-1f90-41fc-a1fa-b061ff45f750" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AwardTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_c290ce4a-16ae-47e4-ad75-ef95f5088dc9" xlink:to="loc_us-gaap_AwardTypeAxis_a74f4670-1f90-41fc-a1fa-b061ff45f750" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_a74f4670-1f90-41fc-a1fa-b061ff45f750_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_AwardTypeAxis_a74f4670-1f90-41fc-a1fa-b061ff45f750" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_a74f4670-1f90-41fc-a1fa-b061ff45f750_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_f54faf2d-c482-4648-b4ca-81618bd302fe" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_AwardTypeAxis_a74f4670-1f90-41fc-a1fa-b061ff45f750" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_f54faf2d-c482-4648-b4ca-81618bd302fe" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockUnitsRSUMember_79e80211-1f95-4b39-bc4d-0836e0c258cb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RestrictedStockUnitsRSUMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_f54faf2d-c482-4648-b4ca-81618bd302fe" xlink:to="loc_us-gaap_RestrictedStockUnitsRSUMember_79e80211-1f95-4b39-bc4d-0836e0c258cb" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_dd1c0358-8126-483e-90ff-7bbad764553f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_034d437a-62de-48b8-8ab9-8cb790fa66ec" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_dd1c0358-8126-483e-90ff-7bbad764553f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_a376b154-46f4-4408-bb4b-d9abc12e0dab" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_dd1c0358-8126-483e-90ff-7bbad764553f" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_a376b154-46f4-4408-bb4b-d9abc12e0dab" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_3d8330c6-4cb7-4815-8455-3e67d4e69616" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_dd1c0358-8126-483e-90ff-7bbad764553f" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_3d8330c6-4cb7-4815-8455-3e67d4e69616" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_0381da24-66cc-44fc-b635-5bb5a8754b74" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_dd1c0358-8126-483e-90ff-7bbad764553f" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_0381da24-66cc-44fc-b635-5bb5a8754b74" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod_a8492b37-e2cd-44ce-8afa-c10bd9bdd639" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_dd1c0358-8126-483e-90ff-7bbad764553f" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod_a8492b37-e2cd-44ce-8afa-c10bd9bdd639" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_dce13fa8-7158-4047-a62a-0495e27d249d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_47beac15-003e-47ac-ad19-07b66195c7a5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_034d437a-62de-48b8-8ab9-8cb790fa66ec" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_47beac15-003e-47ac-ad19-07b66195c7a5" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_578de31e-9cd7-4ded-a489-cee13b1da915" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_47beac15-003e-47ac-ad19-07b66195c7a5" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_578de31e-9cd7-4ded-a489-cee13b1da915" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_76deca1b-d8bb-4ccc-9fe7-50ca4ee19c90" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_47beac15-003e-47ac-ad19-07b66195c7a5" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_76deca1b-d8bb-4ccc-9fe7-50ca4ee19c90" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue_66e19c0a-1862-4b4a-b8c3-33592a7cf316" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_47beac15-003e-47ac-ad19-07b66195c7a5" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue_66e19c0a-1862-4b4a-b8c3-33592a7cf316" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue_0bc3610f-e5f2-47e5-b5db-9789049fb863" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_47beac15-003e-47ac-ad19-07b66195c7a5" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue_0bc3610f-e5f2-47e5-b5db-9789049fb863" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_af92fe79-8bf1-4f53-8158-14669d7f9d52" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueAbstract_9c69b30d-16ac-445c-9865-b8a015cfbd6d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_034d437a-62de-48b8-8ab9-8cb790fa66ec" xlink:to="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueAbstract_9c69b30d-16ac-445c-9865-b8a015cfbd6d" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueNonvested_870c6176-faef-4b3c-8174-ca7a539831dd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueNonvested"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueAbstract_9c69b30d-16ac-445c-9865-b8a015cfbd6d" xlink:to="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueNonvested_870c6176-faef-4b3c-8174-ca7a539831dd" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueVested_318441a6-7d1c-4d0e-9b45-aaccf61b6cbc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueVested"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueAbstract_9c69b30d-16ac-445c-9865-b8a015cfbd6d" xlink:to="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueVested_318441a6-7d1c-4d0e-9b45-aaccf61b6cbc" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueNonvested_4c493a26-b96b-4c76-8c4f-47577144582e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueNonvested"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.joinroot.com/role/LOSSPERSHAREScheduleofAntiDilutiveSecuritiesDetails" xlink:type="simple" xlink:href="root-20240331.xsd#LOSSPERSHAREScheduleofAntiDilutiveSecuritiesDetails"/>
  <link:definitionLink xlink:role="http://www.joinroot.com/role/LOSSPERSHAREScheduleofAntiDilutiveSecuritiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_75660a7a-b8a6-4333-aceb-0c884f732339" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable_8f2a1e92-1650-4814-948e-76c80225567e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_75660a7a-b8a6-4333-aceb-0c884f732339" xlink:to="loc_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable_8f2a1e92-1650-4814-948e-76c80225567e" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_7e7b18fb-24c0-4bd9-aa88-ab5c6099032b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable_8f2a1e92-1650-4814-948e-76c80225567e" xlink:to="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_7e7b18fb-24c0-4bd9-aa88-ab5c6099032b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AntidilutiveSecuritiesNameDomain_7e7b18fb-24c0-4bd9-aa88-ab5c6099032b_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AntidilutiveSecuritiesNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_7e7b18fb-24c0-4bd9-aa88-ab5c6099032b" xlink:to="loc_us-gaap_AntidilutiveSecuritiesNameDomain_7e7b18fb-24c0-4bd9-aa88-ab5c6099032b_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AntidilutiveSecuritiesNameDomain_95dd437a-37c8-4a15-8daf-9452a29a5770" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AntidilutiveSecuritiesNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_7e7b18fb-24c0-4bd9-aa88-ab5c6099032b" xlink:to="loc_us-gaap_AntidilutiveSecuritiesNameDomain_95dd437a-37c8-4a15-8daf-9452a29a5770" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeStockOptionMember_182b09df-a0bd-40f2-a4e6-2f1f97d61aa4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EmployeeStockOptionMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AntidilutiveSecuritiesNameDomain_95dd437a-37c8-4a15-8daf-9452a29a5770" xlink:to="loc_us-gaap_EmployeeStockOptionMember_182b09df-a0bd-40f2-a4e6-2f1f97d61aa4" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RedeemableConvertiblePreferredStockMember_4d4c72b0-7f15-4966-83aa-309a71c32eaf" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RedeemableConvertiblePreferredStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AntidilutiveSecuritiesNameDomain_95dd437a-37c8-4a15-8daf-9452a29a5770" xlink:to="loc_us-gaap_RedeemableConvertiblePreferredStockMember_4d4c72b0-7f15-4966-83aa-309a71c32eaf" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockUnitsRSUMember_9f9d73d2-1507-47e1-bb28-b9aafc956aa0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RestrictedStockUnitsRSUMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AntidilutiveSecuritiesNameDomain_95dd437a-37c8-4a15-8daf-9452a29a5770" xlink:to="loc_us-gaap_RestrictedStockUnitsRSUMember_9f9d73d2-1507-47e1-bb28-b9aafc956aa0" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_root_NonvestedSharesSubjectToRepurchaseMember_e30e5c96-3422-410b-8c5e-ba1d73812902" xlink:href="root-20240331.xsd#root_NonvestedSharesSubjectToRepurchaseMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AntidilutiveSecuritiesNameDomain_95dd437a-37c8-4a15-8daf-9452a29a5770" xlink:to="loc_root_NonvestedSharesSubjectToRepurchaseMember_e30e5c96-3422-410b-8c5e-ba1d73812902" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WarrantMember_30dc8e55-c484-41df-8723-8d5d84904188" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_WarrantMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AntidilutiveSecuritiesNameDomain_95dd437a-37c8-4a15-8daf-9452a29a5770" xlink:to="loc_us-gaap_WarrantMember_30dc8e55-c484-41df-8723-8d5d84904188" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_b6a16818-e7ab-42b5-98d5-21d5fc307ed4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_75660a7a-b8a6-4333-aceb-0c884f732339" xlink:to="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_b6a16818-e7ab-42b5-98d5-21d5fc307ed4" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.joinroot.com/role/GEOGRAPHICALBREAKDOWNOFGROSSPREMIUMSWRITTENDetails" xlink:type="simple" xlink:href="root-20240331.xsd#GEOGRAPHICALBREAKDOWNOFGROSSPREMIUMSWRITTENDetails"/>
  <link:definitionLink xlink:role="http://www.joinroot.com/role/GEOGRAPHICALBREAKDOWNOFGROSSPREMIUMSWRITTENDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectsOfReinsuranceLineItems_47ca4ebb-98e4-416b-b004-69b8568a72b0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EffectsOfReinsuranceLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectsOfReinsuranceTable_3ae1e4d3-65d9-430e-a21a-39b402625d11" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EffectsOfReinsuranceTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_EffectsOfReinsuranceLineItems_47ca4ebb-98e4-416b-b004-69b8568a72b0" xlink:to="loc_us-gaap_EffectsOfReinsuranceTable_3ae1e4d3-65d9-430e-a21a-39b402625d11" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskByTypeAxis_59f062ea-88a1-47c3-9e17-5cd3eaa5e021" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ConcentrationRiskByTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_EffectsOfReinsuranceTable_3ae1e4d3-65d9-430e-a21a-39b402625d11" xlink:to="loc_us-gaap_ConcentrationRiskByTypeAxis_59f062ea-88a1-47c3-9e17-5cd3eaa5e021" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskTypeDomain_59f062ea-88a1-47c3-9e17-5cd3eaa5e021_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ConcentrationRiskTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_ConcentrationRiskByTypeAxis_59f062ea-88a1-47c3-9e17-5cd3eaa5e021" xlink:to="loc_us-gaap_ConcentrationRiskTypeDomain_59f062ea-88a1-47c3-9e17-5cd3eaa5e021_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskTypeDomain_d2b4184b-b352-46a8-a7ef-89b2dae64c56" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ConcentrationRiskTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_ConcentrationRiskByTypeAxis_59f062ea-88a1-47c3-9e17-5cd3eaa5e021" xlink:to="loc_us-gaap_ConcentrationRiskTypeDomain_d2b4184b-b352-46a8-a7ef-89b2dae64c56" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GeographicConcentrationRiskMember_c3f2a119-e564-4b70-b867-1f130fec3d1e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GeographicConcentrationRiskMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ConcentrationRiskTypeDomain_d2b4184b-b352-46a8-a7ef-89b2dae64c56" xlink:to="loc_us-gaap_GeographicConcentrationRiskMember_c3f2a119-e564-4b70-b867-1f130fec3d1e" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskByBenchmarkAxis_9ae4b334-576e-49b6-842f-1c0776b4ada7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ConcentrationRiskByBenchmarkAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_EffectsOfReinsuranceTable_3ae1e4d3-65d9-430e-a21a-39b402625d11" xlink:to="loc_us-gaap_ConcentrationRiskByBenchmarkAxis_9ae4b334-576e-49b6-842f-1c0776b4ada7" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskBenchmarkDomain_9ae4b334-576e-49b6-842f-1c0776b4ada7_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ConcentrationRiskBenchmarkDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_ConcentrationRiskByBenchmarkAxis_9ae4b334-576e-49b6-842f-1c0776b4ada7" xlink:to="loc_us-gaap_ConcentrationRiskBenchmarkDomain_9ae4b334-576e-49b6-842f-1c0776b4ada7_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskBenchmarkDomain_38005f6f-9eb4-4b07-aab4-811928ecc200" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ConcentrationRiskBenchmarkDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_ConcentrationRiskByBenchmarkAxis_9ae4b334-576e-49b6-842f-1c0776b4ada7" xlink:to="loc_us-gaap_ConcentrationRiskBenchmarkDomain_38005f6f-9eb4-4b07-aab4-811928ecc200" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_root_GrossWrittenPremiumsMember_8ac4e7ce-8e8e-4bbc-90b0-d928689f2a45" xlink:href="root-20240331.xsd#root_GrossWrittenPremiumsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ConcentrationRiskBenchmarkDomain_38005f6f-9eb4-4b07-aab4-811928ecc200" xlink:to="loc_root_GrossWrittenPremiumsMember_8ac4e7ce-8e8e-4bbc-90b0-d928689f2a45" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StatementGeographicalAxis_afaaabf6-4b08-469f-93bc-1197cf379055" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_StatementGeographicalAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_EffectsOfReinsuranceTable_3ae1e4d3-65d9-430e-a21a-39b402625d11" xlink:to="loc_srt_StatementGeographicalAxis_afaaabf6-4b08-469f-93bc-1197cf379055" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_SegmentGeographicalDomain_afaaabf6-4b08-469f-93bc-1197cf379055_default" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_SegmentGeographicalDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_StatementGeographicalAxis_afaaabf6-4b08-469f-93bc-1197cf379055" xlink:to="loc_srt_SegmentGeographicalDomain_afaaabf6-4b08-469f-93bc-1197cf379055_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_SegmentGeographicalDomain_b44c95b7-6006-43a9-8969-58fe836d0fee" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_SegmentGeographicalDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_StatementGeographicalAxis_afaaabf6-4b08-469f-93bc-1197cf379055" xlink:to="loc_srt_SegmentGeographicalDomain_b44c95b7-6006-43a9-8969-58fe836d0fee" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_country_US_0cdaf167-1e90-49da-9297-674052f327ea" xlink:href="https://xbrl.sec.gov/country/2023/country-2023.xsd#country_US"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_SegmentGeographicalDomain_b44c95b7-6006-43a9-8969-58fe836d0fee" xlink:to="loc_country_US_0cdaf167-1e90-49da-9297-674052f327ea" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_TX_3733e0cf-f9f8-4155-859a-003fbfd664e2" xlink:href="https://xbrl.sec.gov/stpr/2023/stpr-2023.xsd#stpr_TX"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_country_US_0cdaf167-1e90-49da-9297-674052f327ea" xlink:to="loc_stpr_TX_3733e0cf-f9f8-4155-859a-003fbfd664e2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_GA_56ab6886-a811-416e-8ec1-9f03a92cf38b" xlink:href="https://xbrl.sec.gov/stpr/2023/stpr-2023.xsd#stpr_GA"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_country_US_0cdaf167-1e90-49da-9297-674052f327ea" xlink:to="loc_stpr_GA_56ab6886-a811-416e-8ec1-9f03a92cf38b" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_SC_573656fd-9c6c-48e6-9831-66d1556db730" xlink:href="https://xbrl.sec.gov/stpr/2023/stpr-2023.xsd#stpr_SC"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_country_US_0cdaf167-1e90-49da-9297-674052f327ea" xlink:to="loc_stpr_SC_573656fd-9c6c-48e6-9831-66d1556db730" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_CO_293e355a-51cc-4dd6-8c99-3127ba76224a" xlink:href="https://xbrl.sec.gov/stpr/2023/stpr-2023.xsd#stpr_CO"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_country_US_0cdaf167-1e90-49da-9297-674052f327ea" xlink:to="loc_stpr_CO_293e355a-51cc-4dd6-8c99-3127ba76224a" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_PA_71e38bfb-19ab-4d92-9a9a-d6c73c40ca72" xlink:href="https://xbrl.sec.gov/stpr/2023/stpr-2023.xsd#stpr_PA"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_country_US_0cdaf167-1e90-49da-9297-674052f327ea" xlink:to="loc_stpr_PA_71e38bfb-19ab-4d92-9a9a-d6c73c40ca72" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_FL_ab834390-2428-4543-897b-673e97a7b3e7" xlink:href="https://xbrl.sec.gov/stpr/2023/stpr-2023.xsd#stpr_FL"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_country_US_0cdaf167-1e90-49da-9297-674052f327ea" xlink:to="loc_stpr_FL_ab834390-2428-4543-897b-673e97a7b3e7" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_AZ_3b26dc2e-120f-4887-9fc3-516b00a30563" xlink:href="https://xbrl.sec.gov/stpr/2023/stpr-2023.xsd#stpr_AZ"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_country_US_0cdaf167-1e90-49da-9297-674052f327ea" xlink:to="loc_stpr_AZ_3b26dc2e-120f-4887-9fc3-516b00a30563" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_OH_55410e5c-8900-4852-b8e9-b4b1ffee6abf" xlink:href="https://xbrl.sec.gov/stpr/2023/stpr-2023.xsd#stpr_OH"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_country_US_0cdaf167-1e90-49da-9297-674052f327ea" xlink:to="loc_stpr_OH_55410e5c-8900-4852-b8e9-b4b1ffee6abf" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_MD_1d1045ec-8b2c-43a4-a6d2-b9d0fba8ea0b" xlink:href="https://xbrl.sec.gov/stpr/2023/stpr-2023.xsd#stpr_MD"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_country_US_0cdaf167-1e90-49da-9297-674052f327ea" xlink:to="loc_stpr_MD_1d1045ec-8b2c-43a4-a6d2-b9d0fba8ea0b" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_UT_2e9b84c6-1978-4b93-84b4-47b9f5ceb979" xlink:href="https://xbrl.sec.gov/stpr/2023/stpr-2023.xsd#stpr_UT"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_country_US_0cdaf167-1e90-49da-9297-674052f327ea" xlink:to="loc_stpr_UT_2e9b84c6-1978-4b93-84b4-47b9f5ceb979" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_root_AllOtherStatesMember_8f5ec781-81f0-4f0c-aa8e-7a5e9b868e57" xlink:href="root-20240331.xsd#root_AllOtherStatesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_country_US_0cdaf167-1e90-49da-9297-674052f327ea" xlink:to="loc_root_AllOtherStatesMember_8f5ec781-81f0-4f0c-aa8e-7a5e9b868e57" xlink:type="arc" order="11"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PremiumsWrittenGross_4bc2e37d-0825-4abf-af15-25f3a2ca5fc5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PremiumsWrittenGross"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EffectsOfReinsuranceLineItems_47ca4ebb-98e4-416b-b004-69b8568a72b0" xlink:to="loc_us-gaap_PremiumsWrittenGross_4bc2e37d-0825-4abf-af15-25f3a2ca5fc5" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskPercentage1_dcc1c598-f367-4ab5-81ec-96d2351a4563" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ConcentrationRiskPercentage1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EffectsOfReinsuranceLineItems_47ca4ebb-98e4-416b-b004-69b8568a72b0" xlink:to="loc_us-gaap_ConcentrationRiskPercentage1_dcc1c598-f367-4ab5-81ec-96d2351a4563" xlink:type="arc" order="1"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://xbrl.sec.gov/ecd/AwardTypeOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#AwardTypeOnly"/>
  <link:definitionLink xlink:role="http://xbrl.sec.gov/ecd/AwardTypeOnly" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WarrantMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_WarrantMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:to="loc_us-gaap_WarrantMember" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockUnitsRSUMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RestrictedStockUnitsRSUMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:to="loc_us-gaap_RestrictedStockUnitsRSUMember" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PerformanceSharesMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PerformanceSharesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:to="loc_us-gaap_PerformanceSharesMember" xlink:type="arc" order="6"/>
  </link:definitionLink>
</link:linkbase>
