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Oregon Car Insurance Information

Requirement : Yes

Car insurance is required in Oregon . Drivers must have a minimum of liability, personal injury protection, and uninsured motorist coverage.

Minimum Coverage Car Insurance Requirements:

A minimum liability personal injury protection, and uninsured motorist is required:

    • $25,000 for bodily injury to one person.
    • $50,000 for bodily injury per accident.
    • $20,000 for property damage.
  • Personal Injury Protection (PIP) – No-fault insurance helps with certain costs resulting from a car accident, no matter who’s at fault.
    • $15,000 for bodily injury to one person.
    • Medical payments incurred up to 1 year after an accident.
  • Uninsured motorist coverage – Covers you in case you’re involved in an accident with an uninsured party.
    • $25,000 per person
    • $50,000 per accident.

Other Car Insurance Coverage Options:

Liability, personal injury protection, and uninsured motorist coverage are the only requirements for Oregon motorist to have, there are several other types of coverage available to drivers:

  • Collision – Covers damages to your vehicle due to an accident.
  • Comprehensive – Covers damages due to your non-accident related damages to your car, such as inclement weather.
  • GAP Insurance - If your vehicle is loaned or leased and totaled, Gap insurance may pay for the difference between the cash value of the vehicle and the unpaid balance of the loan or lease.
  • Rental reimbursement – Reimburses you if you have to rent a car after an accident.
  • Underinsured motorist coverage – Covers you in case you’re involved in an accident with an underinsured party.
  • Note: Comprehensive and or collision coverage is optional, unless the vehicle is being financed or leased, the lending/leasing agency may require you to purchase comprehensive and collision coverage.

Other Forms of Financial Responsibility:

Other legal ways around buying car insurance include: There are no alternative forms of financial responsibility. Oregon requires all drivers to have minimum coverage.

Proof of Insurance: Yes

You must carry proof of insurance and registration with your vehicle at all times.

Your insurance provider will send you an insurance card.

Valid forms of proof of financial responsibility include:

  • Insurance card.
  • Current liability insurance binder or policy.
  • Signed letter from an insurance agent or company official on company letter head.
  • A DMV certificate of self-insurance that names the owner.

Insurance Violations:

Violations, Fines & Penalties:

  • Should you be found operating a vehicle without the mandatory minimum insurance coverage, you face:
    • $250 maximum fine.
    • 30 days in jail.
    • Suspension of driving privileges until reinstatement fee and proof of insurance are furnished.

  Credit Scores & Determining Your Insurance Premium :

All Oregon drivers are required to have car insurance, however, insurance providers are reserved the right to deny coverage to high-risk drivers. Drivers unable to get private coverage can purchase insurance through the Western Association of Automobile Insurance Plans (WAAIP).


Other factors that may be used to determine your premiums include:

  • Age
  • Gender
  • Credit history
  • Marital status
  • Work history
  • Neighborhood, city of residence

Discounts : Yes

Discounts available in Oregon:

  • Good driver discount.
  • Good student discount.
  • Defensive driving discount
  • Multi-policy discount

Cellphone Use:

All drivers are banned from all cell phone use while driving. All drivers are prohibited from texting while driving. Cell phone and texting violations are considered primary offenses. Violators face a $142 fine.

Oregon Minimum Coverage Laws

Carriers in Oregon

Full Insurance Laws for Oregon