Oregon, you really know a thing or two about highways, since you're the home base for the original horse and wagon highway. Well, finally Root has reached Oregon, too, and we’ve brought fair and affordable insurance with us. Good drivers save up to 52%. (Horse and wagons not insurable at this time.)
We base rates primarily on how you actually drive, not just on some statistical profile of your age, credit score, marital status, and ZIP code.
Here’s how it works:
Root is disrupting the broken insurance industry by bringing fairness and ease to customers across the Beaver State.
Since Oregon is an electronic proof of insurance state, you’ll always have legal, hassle-free proof of coverage on hand through the Root app on your phone. Root’s competitive quotes and simple app prove that car insurance can be easy and affordable for the state’s best drivers—from Beaverton to Bend, Portland to Eugene, and all points between (we’re looking at you, Salem).
To legally operate a vehicle in Oregon, you must carry liability, personal injury protection, and uninsured/underinsured motorist coverage (UM/UIM). If you’re found driving without the required insurance, you can face fines, suspension of your driver’s license, and possible towing of your vehicle.
Liability coverage helps to pay for property damage or bodily injuries that occur from a car accident you cause. It does not cover harm to you or your passengers (that’s what Medical Payments and Personal Injury Protection coverages are for) or your vehicle (but Collision and Comprehensive coverages do). These additional coverages can help you avoid serious expenses in the event of a major accident.
You can always opt for higher limits if you want more coverage.
Personal Injury Protection (PIP) is also required for Oregon drivers. PIP coverage will help pay for your medical bills for up to two years after a car accident, regardless of who is at fault.
You can also opt for higher limits on this coverage, if you want.
Uninsured/Underinsured Motorist Coverage (UM/UIM) is another required coverage. This insurance pays for the damages, losses, and injuries you suffer if you’re in an accident caused by a driver who doesn’t have car insurance. It also covers you if you’re in an accident with a driver whose car insurance is insufficient, or considered underinsured.
Again, you can always opt for higher limits if you want more coverage.
You must show proof of insurance if you’re stopped by a police officer or involved in a car accident, or when you register your vehicle or renew your registration. Acceptable forms include:
If you’re found driving without insurance, you’ll face the following:
If you’re involved in an accident while uninsured, you’ll face suspension of your license for one year. Once you’ve reinstated your license, you’ll be required to file an SR-22 for three years. If you’re insured with Root, you can avoid that trouble. As long as you’ve got your phone, you have legal proof through the Root app.
The Oregon DMV will verify the insurance status of drivers in the state every month by requesting a random selection of drivers to provide:
The DMV verifies this information with the insurance company identified by the driver. If the DMV selects you to provide this information and you don't respond, your license will be suspended. If you’re caught responding with false information, you'll be required to hold an SR-22 for three years.
If you've been driving without insurance and you're found guilty of doing so by a judge, you can be ordered to file an SR-22 with the DMV for three years. (Root does this for free.) An SR-22 acts as proof of financial responsibility, or a guarantee, that you'll hold at least the minimum required car insurance for a full three years. If you don’t file an SR-22 when ordered, your license will be suspended.
Learn all about Root’s coverage options here:Our Coverages
Car insurance rates in Oregon have increased 14.4% from 2011-2015 and will likely continue to rise. Currently the average driver in Oregon pays $1,3082 per year for their auto policy, but many people pay much more—often to make up for their bad-driving counterparts. Because Root doesn’t insure high-risk drivers, Root customers save up to $100/month on average—all while enjoying fair and simple car insurance.