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Oregon law dictates the minimum requirements for insurance coverage that all drivers must carry. All drivers in Oregon must hold 25/50/20 in bodily injury per person, bodily injury per accident, and property damage per accident. Additionally, drivers can pick from a long list of additional coverages for added protection.

Quick Facts
  • Car insurance is required by law in Oregon.

  • Drivers in Oregon must carry 25/50/20 in bodily injury and property damage.

  • If caught driving without insurance, drivers face up to $1,000 in fines and potential jail time.

Minimum Car Insurance Requirements in Oregon

The minimum car insurance requirements in Oregon[1] are:

  • $25,000 for bodily injury liability per person

  • $50,000 for bodily injury liability per accident

  • $20,000 for property damage liability per accident

  • $15,000 for personal injury protection per person injured in an accident

  • $25,000 for uninsured motorist coverage bodily injury per person

  • $50,000 for uninsured motorist coverage bodily injury per crash

When it comes to car accidents, Oregon is an at-fault or tort state. This means the driver responsible for the accident must pay for the damages incurred. Their insurance company is required to cover the injured victim’s damages, including medical costs and vehicle repairs. It’s important to note that even though Oregon is an at-fault state, personal injury protection (PIP) coverage is still required.

Why is car insurance required in Oregon?

Auto insurance protects drivers from financial liability in the event of an accident. Depending on a policy’s specific coverage limitations, car insurance may cover everything from vehicle damage to medical bills.

Bodily Injury Liability

Bodily injury liability is part of your liability car insurance coverage. If you cause an accident, this coverage will help cover the other party’s medical expenses. This type of coverage will not cover your own medical expenses for injuries sustained in a car accident you caused. Bodily injury liability coverage is required in Oregon.

Property Damage Liability

Property damage liability is the other half of your liability car insurance. It covers repair costs and damage expenses to the other cars involved in an accident you caused. This coverage does not cover damage to your own car in an accident you were at fault for. Property damage liability coverage is required in Oregon.

Personal Injury Protection

Personal injury protection, also known as PIP, covers medical bills, lost wages, and replacement services for you and other members of your household if you’re injured in a car accident. PIP provides coverage regardless of who is at fault for an accident. Personal injury protection is required in Oregon.

Uninsured/Underinsured Motorist Coverage

If an uninsured (or underinsured) driver causes an accident and you suffer bodily injury, uninsured motorist coverage will cover your medical expenses. If the at-fault driver surpasses their bodily injury liability coverage limits, your underinsured motorist coverage will cover the rest of your medical expenses. Uninsured/underinsured motorist coverage is required in Oregon.

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Is state minimum car insurance enough in Oregon?

The minimum required car insurance coverage in Oregon provides drivers with a solid foundation of auto insurance coverage, but it may not be enough for everyone. Since the minimum car insurance may not cover all expenses after serious accidents, consider investing in higher liability limits. By doing so, you can avoid hefty out-of-pocket costs.

Optional Car Insurance Coverage for Oregon

Oregon drivers who want to be protected in any situation should consider bolstering the minimum car insurance coverage with the following supplemental car insurance coverages:

Collision Coverage

Collision coverage covers damages to your car after a collision with another vehicle or object. If your vehicle is a total loss, collision coverage will reimburse you for the actual cash value of your vehicle. This is a great addition to the required property damage liability coverage in Oregon, which applies only to the damages to the other driver’s vehicle.

Comprehensive Coverage

Complementing your collision coverage, comprehensive insurance covers damage to your vehicle that occurs during an event that is not a collision with another vehicle or object. This may apply in situations of vandalism, theft, weather damage, or a run-in with an animal. Adding comprehensive and collision coverage together creates a full-coverage car insurance policy.

Other Supplemental Coverage

Medical payments coverage, or MedPay, pays for medical bills, whether you’re a driver, passenger, or pedestrian. It also covers passenger injuries and applies regardless of who is at fault. Rental car reimbursement can be useful if your vehicle sustains damage in a covered accident and can’t be driven. It will pay for a car rental so you can go about your daily routine.

If you drive frequently or far, roadside assistance should be on your radar. It can be a real lifesaver in emergency situations, as it includes services like tire changes, jump starts, battery replacements, and key recovery.

Average Cost of Car Insurance in Oregon

Average Cost of Car Insurance in Oregon


Penalties for Driving Uninsured in Oregon

It is illegal to drive in Oregon without the minimum car insurance coverage[2].

  • Fines: You may be charged anywhere from $130 to $1,000.

  • Driver’s license suspension: Your driver’s license may be suspended for up to a year.

  • SR-22 requirement: You’ll need to file an SR-22 for up to three years after the incident.

  • Reinstatement fees: You’ll be on the hook for fees to reinstate your license.

Oregon uses a random auto insurance verification system to ensure that drivers are driving with the required coverage. The state sends notices to a random group of drivers every month who must provide proof of insurance. If you’re unable to show proof within 30 days of when you receive the notice, you’ll have to pay a fee.

High-Risk Car Insurance in Oregon

High-Risk Car Insurance in Oregon

Minimum Requirements for High-Risk Drivers in Oregon

If you’ve been convicted of a serious violation like a hit-and-run or DUI, you’ll need to sign up for an SR-22 certificate. This form shows that your insurance policy is compliant with the minimum liability car insurance requirements in Oregon.

Compared to standard car insurance policies, SR-22 insurance is typically more expensive. The exact rate, however, will depend on the insurance company and your unique situation. Since insurance companies will file an SR-22 on your behalf, you’ll also be required to pay a fee.

More Information for High-Risk Drivers in Oregon

DUI Insurance in Oregon

SR-22 Insurance in Oregon

Cheapest Minimum Car Insurance in Oregon

Car insurance companies weigh different factors to determine what to quote drivers on their car insurance policies. Minimum coverage generally means lower car insurance rates. It also means low coverage limits, which may cost you if you’re ever involved in an accident. Here are the cheapest car insurance quotes for minimum coverage in Oregon.

Insurance CompanyMonthly Quote for Minimum Coverage
Bristol West$144
Liberty Mutual$148
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Best Car Insurance in Oregon

Best Car Insurance in Oregon

How to Find Cheap Car Insurance in Oregon

Insurify can help you find cheap car insurance in Oregon. Once you answer a few questions about yourself and your vehicle, you’ll be able to compare car insurance quotes from a number of car insurance companies in the state. You can then choose the right coverage for your unique budget and needs.

Frequently Asked Questions

  • Is car insurance mandatory in Oregon?

    Yes. Oregon requires 25/50/20 for bodily injury liability per person, bodily injury liability per accident, and property damage liability per accident. You’ll also need $15,000 for personal injury protection per person injured in an accident, $25,000 for uninsured motorist coverage bodily injury per person, and $50,000 for uninsured motorist coverage per crash.

  • Is Oregon a no-fault state?

    No. Oregon is an at-fault or tort state. This means the blame and financial responsibility are placed on the driver who caused the accident. Their insurance company can help cover the losses of other drivers, including medical bills and property damage. Unlike other tort states, Oregon requires personal injury protection, which pays for medical bills, lost wages, and more.

  • Does Oregon require uninsured motorist protection?

    Uninsured motorist protection is a legal requirement in Oregon. If you get into an accident with a driver who is at fault and doesn’t have car insurance, this coverage will kick in. It may pay for your injuries as well as injuries your passengers might have sustained.

  • Do you need car insurance to register a car in Oregon?

    You will need proof of car insurance to register a vehicle in Oregon in person at a local DMV office. To start the process, fill out an Oregon title application and collect ownership documentation, lien releases, and the bill of sale. Also, don’t forget to pay the title and registration fees.

  • How can I find cheap car insurance in Oregon?

    With Insurify, you can compare car insurance quotes and find a cheap auto insurance policy in Oregon. You’ll be able to explore coverage options and rates from a number of car insurance companies. You won’t have to sign up or pay a fee.

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Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.


  1. Oregon Driver and Motor Vehicle Services. "State Minimum Car Insurance Requirements." Accessed June 15, 2022
  2. Oregon Legislature. "Penalties for Driving Uninsured." Accessed June 16, 2022
Anna Baluch
Anna BaluchInsurance Writer

Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.

Compare Car Insurance Quotes Instantly

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Based on 3,806+ reviews
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