120+ more*Quotes generated for Insurify users from Oregon within the last 10 days. Last updated on July 22, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Oregon within the last 10 days. Last updated on July 22, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Joe Dyton has been a professional writer since 1999. He's been writing about the auto insurance industry for 15 years and was an in-house marketing copywriter for GEICO for a decade. Learn more about Joe at joedyton.com.
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Elena Stratoberdha is an Editorial Assistant at Insurify. Before joining the content team at Insurify, Elena earned her bachelor’s degree in English Literature and Writing from Simmons University, where she collaborated as a copy editor and led the layout design for two student-run magazines: Sidelines and MindScope Magazine.
In her free time, Elena enjoys writing creative and short fiction, knitting, running near the beach, and exploring new music genres.
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Every state has its own minimum car insurance requirements, and Oregon requires additional coverage. Oregon drivers must carry bodily injury and property damage liability, personal injury protection (PIP), and uninsured motorist (UM) insurance.
Keep reading to learn more about Oregon car insurance requirements and how to find the cheapest coverage for your needs.
Liability coverage starts at $69 per month
In Oregon, it’s important to carry insurance at all times. Oregon is an at-fault state, meaning the insurance company of the driver who causes the accident covers the other party’s resulting injuries and property damage.[1]
The state of Oregon requires drivers to purchase the following minimum car insurance:[2]
Coverage  | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $20,000 per accident |
| Personal injury protection | $15,000 per accident |
| Uninsured motorist | $25,000 per person / $50,000 per accident |
If you cause a car accident, your bodily injury liability covers the other driver’s medical treatment and expenses related to injuries from the accident. Bodily injury can also pay for some costs related to the other driver’s resulting pain and suffering and lost wages, as well as your legal costs.
Property damage liability covers costs to repair any property that you damage in an at-fault car accident. Covered property includes other vehicles, houses, guardrails, mailboxes, and businesses. This insurance may also cover your legal costs for lawsuits filed against you related to the accident.
Personal injury protection helps pay for your expenses after a car accident — such as lost wages, medical bills, and funeral costs — regardless of fault. PIP coverage also extends to your injured passengers.
Keep in mind that this coverage can apply if you aren’t driving. If a car hits you while you’re walking, PIP coverage could help pay for your medical expenses.
Oregon requires drivers to carry car insurance, but that doesn’t mean everyone does. Around 12.3% of motorists in Oregon are uninsured, making uninsured motorist coverage very important.[3] It protects you if a driver without car insurance hits you. Additionally, you could file an uninsured motorist claim if you’re ever the victim of a hit-and-run.
Uninsured motorist insurance covers your and your passengers’ injuries following a car accident. It also covers your vehicle damage if an uninsured driver hits you.
The Automobile Insurance Plan of Oregon provides car insurance coverage to high-risk drivers who have trouble finding coverage. Companies that write car insurance policies in Oregon share the risk with one another.
Oregon and several other states are part of an association of auto plans known as the Western Association of Automobile Insurance Plans. WAAIP is a processing center that connects people who have trouble buying automobile insurance with an insurance company that will insure them.[4]
While Oregon law requires you to carry only minimum liability coverage, you may want to consider adding more because the minimum car insurance limits don’t pay for your vehicle damage after an accident.
Insurance professionals encourage drivers to purchase more coverage than the state requires. If you cause an accident and only have liability coverage, you’ll face out-of-pocket costs for your accident-related expenses. You should consider getting a full-coverage policy, which includes liability, comprehensive, and collision coverages.
Liability-only car insurance typically costs less than full-coverage insurance. Oregon drivers pay an average of $98 per month for liability coverage and $153 per month for full-coverage insurance.
Your circumstances can help you decide if liability or full coverage is right for you. For example, liability coverage may meet your protection needs if you drive an inexpensive or old vehicle that you’ve paid off. You may want full coverage if you have a newer or more expensive vehicle. Your lender may even require you to carry this coverage if you have a lease or finance your vehicle.
It’s illegal to drive without car insurance in Oregon. If a police officer pulls you over or you have an accident without proof of insurance, you can face a number of penalties:
Fines: You’ll pay a penalty of at least $130, but up to $1,000, depending on the court’s decision.
License suspension: The Oregon Driver and Motor Vehicle Services Division (DMV) can suspend your driver’s license for one year. You’ll have to purchase a car insurance policy to get your license back.
SR-22 insurance: After you get your license back, your car insurance company will have to file an SR-22 certificate with the DMV — for an additional fee — to prove you have insurance. The SR-22 must stay on file with the DMV for three years.
Financial damages: You can face a lawsuit if you cause a car accident as an uninsured driver. If you can’t pay for the damages within 60 days, you can face license suspension until you pay.
Liability coverage pays for property damage and bodily injuries another person suffers due to a car accident you cause. It doesn’t cover your accident-related property damages. Liability coverage is a less expensive option than full coverage because it doesn’t pay for your vehicle damage.
Mile Auto offers the cheapest liability-only car insurance coverage in Oregon, at $69 per month.
You can compare quotes from Oregon insurers offering the cheapest liability car insurance below.
Insurance Company | Average Monthly Quote |
|---|---|
| Mile Auto | $69 |
| National General | $101 |
| Safeco | $106 |
| State Farm | $115 |
| Root | $116 |
| Bristol West | $117 |
| Dairyland | $118 |
| The General | $123 |
| Foremost | $125 |
| Direct Auto | $126 |
| USAA | $136 |
| GEICO | $145 |
| Liberty Mutual | $155 |
| GAINSCO | $159 |
| COUNTRY Financial | $172 |
| American Family | $195 |
| Nationwide | $203 |
| Allstate | $225 |
| Farmers | $266 |
| Travelers | $328 |
Full-coverage car insurance offers the same protections as a liability policy, plus comprehensive and collision coverages.
Comprehensive car insurance pays for vehicle damage from non-collision incidents, including events beyond your control, like theft, vandalism, and severe weather. Collision car insurance helps pay for vehicle repairs after you’ve hit another vehicle or object.
Mile Auto has the cheapest full-coverage car insurance rates in Oregon. The following table features the average monthly rates for full coverage.
Insurance Company | Average Monthly Quote |
|---|---|
| Mile Auto | $82 |
| State Farm | $133 |
| Safeco | $152 |
| USAA | $157 |
| GEICO | $168 |
| National General | $173 |
| Root | $184 |
| COUNTRY Financial | $198 |
| The General | $198 |
| Liberty Mutual | $203 |
| Direct Auto | $213 |
| Bristol West | $217 |
| American Family | $225 |
| Nationwide | $234 |
| Allstate | $260 |
| Dairyland | $265 |
| Farmers | $307 |
| GAINSCO | $324 |
| Travelers | $378 |
*Quotes generated for Insurify users within the last 10 days. Last updated on July 22, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on July 22, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Having more coverage provides better protection for you and your vehicle. Buying liability, comprehensive, and collision coverages is a good start, but you also have other optional insurance coverages to consider. Consider the following common insurance add-ons:
Roadside assistance provides coverage for roadside emergencies, including services like jump-starting a dead battery, replacing a flat tire, and delivering fuel.
Rental car reimbursement pays for your car rental costs while your vehicle’s in the repair shop due to a covered claim.
Gap insurance helps pay off your car loan if you total your vehicle or someone steals your car and you owe more than the car is worth. It pays the gap between your vehicle’s depreciated value and your loan’s remaining balance.
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You need to carry a minimum amount of insurance in Oregon, but you may want to increase your limits or select additional coverages depending on your insurance needs.
Yes. Oregon drivers must carry the state’s minimum car insurance requirements to legally operate a vehicle. Failure to do so can result in fines, legal damages, and loss of license.
Oregon drivers must carry minimum amounts of bodily injury and property damage liability, personal injury protection (PIP), and uninsured motorist (UM) coverage.
Yes. The state of Oregon requires drivers to provide their car insurance policy information every time they register a vehicle.
Liability insurance in Oregon typically follows the vehicle rather than the driver. This means if someone borrows your car and has a car accident, your car insurance policy will pay for covered damages.
Oregon is an at-fault, or “tort,” state when it comes to car insurance. This means at-fault drivers involved in a car accident have to pay for the other driver’s medical expenses and damages. If you’re at fault in Oregon, you may also need to cover the other driver’s additional damages, such as lost wages.
If an uninsured driver hits you in Oregon, your uninsured motorist (UM) coverage will kick in to cover vehicle damage expenses and your and your passengers’ injuries.[5]
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Joe Dyton has been a professional writer since 1999. He's been writing about the auto insurance industry for 15 years and was an in-house marketing copywriter for GEICO for a decade. Learn more about Joe at joedyton.com.
Elena Stratoberdha is an Editorial Assistant at Insurify. Before joining the content team at Insurify, Elena earned her bachelor’s degree in English Literature and Writing from Simmons University, where she collaborated as a copy editor and led the layout design for two student-run magazines: Sidelines and MindScope Magazine.
In her free time, Elena enjoys writing creative and short fiction, knitting, running near the beach, and exploring new music genres.
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