Being required to list everyone in your household on your car insurance application, and possible as drivers on your policy, is not normally state mandated but a requirement of the car insurance company.

Most all auto insurers require their policyholders to inform them of all licensed household members, whether they are relatives or not, though this does not necessarily mean every insurance carrier makes you add everyone to the policy as drivers. If you do not want certain licensed household members listed on your policy then some insurers allow you to exclude that person.

So if you live in a household where you have a roommate however this individual will not be driving your vehicle than normally you would have to inform your insurance company about this person but then see if you could exclude them from the policy as a driver. When excluding someone there would be no coverage at all extended to them if they were ever to drive your vehicle, even in an emergency.

If you choose to exclude a roommate you would normally do so by signing a waiver stating that this person will not drive the vehicle and if they did (even in an emergency) they would not be covered by your coverages. In exchange for not having this person on your policy or driving your car than your premiums should not increase.

The Oregon Division of Insurance (DOI) doesn't specifically speak of roommates but does note that parents with teenagers that do not own cars should make sure your insurer understands which cars they are going to be driving and whether it will be occasional or principal use. If they do own cars, consider covering them under your policy. Otherwise, they will probably have to pay higher premiums.

If you want consumer advice about your roommate and your auto insurance policy you can contact the OR DOI.They can tell you state insurance laws and what also insurance companies normally require.

Follow this link to get free auto insurance quotes for Oregon.