Oregon Car Insurance Laws (2026)

Drivers in Oregon must carry minimum car insurance coverage, which includes liability, personal injury protection (PIP), and uninsured motorist (UM) coverage. Although Oregon is an at-fault state, its mandatory PIP coverage pays for certain injury-related expenses regardless of who caused the accident.

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Auto insurance requirements in Oregon

Oregon is an at-fault state, which means drivers who cause an accident are responsible for damages to another driver’s vehicle or property and may have to cover the other driver’s medical expenses.^[1]

In Oregon, you must meet the minimum liability insurance requirements to drive legally, including:^[2] 

• $25,000 per person/$50,000 per accident in bodily injury liability 

• $20,000 per accident in property damage liability 

• $15,000 per person in PIP

• $25,000 per person/$50,000 per accident in UM coverage

Oregon’s minimum liability coverage requirements are higher than those of its neighboring state, Washington, which only requires 25/50/10 in liability insurance. While PIP and UM coverage aren’t mandatory in Washington, insurers must offer them.

Liability requirements are only slightly lower in Idaho, at 25/50/15. But Idaho drivers aren’t required to carry PIP, and they can waive uninsured/underinsured motorist (UM/UIM) coverage.

Is state-minimum car insurance in Oregon enough coverage? 

Having state-minimum liability coverage is enough to meet Oregon’s legal requirements, but it’s often not enough to protect you financially. 

For example, if you cause a multi-vehicle accident, the cost of the resulting claims could easily exceed your policy limits. In this case, you could be responsible for paying the remaining balance out of pocket. 

To ensure you’re properly protected, raise your policy limits, add full coverage, or consider the following optional coverages:

• 

  Collision coverage

  There were 48,414 crashes in Oregon in 2024, according to the Oregon Department of Transportation.^[3] Collision coverage can help cover the cost to repair or replace your vehicle if you’re in a crash, regardless of who’s at fault.

• 

  Comprehensive coverage

  Oregon experiences a variety of severe weather events, including floods, wildfires, earthquakes, and tornadoes.^[4] Comprehensive coverage can help cover the cost to repair or replace your vehicle if it’s damaged in a covered event, vandalized, or stolen.

• 

  Roadside assistance

  If you like to adventure on Oregon’s vast network of rural and backcountry roads, you might consider roadside assistance coverage. If you run out of gas, get a flat, or require a tow, you can call for help. Many insurers offer 24/7 availability.

Penalties for driving without insurance in Oregon 

Oregon law requires drivers to carry proof of insurance while driving. If you get in an accident, Oregon law requires you to show proof of insurance to the other driver. You can also receive a citation if you’re pulled over by law enforcement and caught driving without coverage.^[5] 

A conviction for operating a vehicle without insurance can result in a fine of $130–$1,000 and license suspension for up to one year. You may also need an SR-22 certificate to show proof of coverage. Oregon shortened its SR-22 requirement from three years to one year as of Jan. 1, 2026.

Driving without insurance can also have serious financial consequences. An uninsured driver who causes an accident may be personally responsible for the damages they cause. Being uninsured can also affect your ability to recover damages after an accident, depending on the circumstances. 

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Oregon requires personal injury protection (PIP) coverage

Oregon requires drivers to carry $15,000 in PIP coverage. If you’re injured in an accident, PIP coverage helps pay for your medical expenses up to your policy limit, no matter who’s at fault.^[6] 

While PIP coverage is typically considered “no-fault” insurance, Oregon is an at-fault state. If you’re injured in an accident caused by an uninsured driver, your PIP coverage may help cover the following expenses: 

• Medical expenses: PIP pays for reasonable medical, hospital, dental, surgical, ambulance, or prosthetic services up to a $15,000 limit. 

• Lost wages: If you’re disabled and can’t work for at least 14 days, you can receive up to 70% of your regular wages for loss of income, up to $3,000 per month, for a maximum of 52 weeks.

• Essential services: If you’re not employed and become disabled for at least 14 days, PIP may pay for essential services, such as house cleaning or cooking. There’s a maximum of $30 per day for up to 52 weeks.

• Child care expenses: Parents who need hospitalization for at least 24 hours can receive up to $25 per day for child care, up to $750.

• Funeral expenses: If someone is killed in an accident, PIP coverage will pay up to $5,000 for funeral expenses.

Oregon insurance laws FAQs