Root is cutting rates in Oregon while overhauling how it prices drivers.

A new filing shows a −5.9% indicated change translating to a −3.2% overall rate impact, reducing premium by about $490K across a $15.3M book covering 4,431 policyholders.

The move follows a recent February revision, but instead of pushing for deeper cuts, Root is focusing on reshaping its pricing engine.

Under the hood, the filing touches nearly every part of the model. Base rates and core factors are updated, with a heavy reliance on behavioral and data-driven inputs such as mileage, vehicle characteristics, prior claims, household structure, and telematics-style signals like vehicle history scores and usage patterns.

The model also continues to incorporate OEM-related factors and rideshare or delivery usage, reinforcing Root’s positioning around embedded and usage-based insurance.

The outcome is not uniform. While the overall change is a modest decrease, individual premiums can swing widely, with increases up to +15.5% and decreases as steep as −22.9% depending on the risk profile.