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Laura Berry

Former Insurance Agent

Former Insurance Agent

Joshua Adamson

Joshua is a copywriter at Obrella who for more than 10 years has been creating content about insurance, health care, and more. He helps companies explain complex insurance subjects in simple ways so that customers can make smart buying decisions. He spends way too much time binge-watching Netflix, loves the outdoors and has a cat who tolerates him.

UPDATED: Feb 23, 2024

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Do you need to know that cars have an average of 30,000 parts? Probably not. You just need to know how to protect every piece. We’re here to tell you the inside scoop on state requirements, laws, and more below–so that you and your car are protected in Oregon.

What are Oregon’s minimum car insurance requirements?

If you’re driving in Oregon, state law requires you have the following coverage on your policy to maintain good legal standing:

Bodily injury liability:

  • $25,000 for bodily injury per person
  • $50,000 for total bodily injury to others per accident

Property damage liability:

  • $20,000 for property damage per accident.

Personal injury protection (PIP):

  • $15,000 per person

Uninsured motorist:

  • $25,000 per person
  • $50,000 per crash

The above are just the minimum coverages you need to drive legally in the state.

What additional coverage options are available in Oregon?

Oregon has more minimum coverages than most states, but the more insurance you have, the safer you’ll be from having to pay out-of-pocket in the case of an accident or incident. Take a look at the following options to see if adding these popular coverages makes sense for you:

Collision Coverage- If your car hits something or something hits you, this coverage can help pay for it.

Comprehensive Coverage– Whether a vandal smashes your windshield, a storm totals your car, or other bad stuff happens, comprehensive insurance can help pay for damages.

Rental car coverage-Get your insurance to pay for a rental car if your car is in the shop after an accident.

Read more: Steps To Take After A Hit-And-Run Incident In Oregon

What are the violations and penalties for driving without insurance?

Driving without insurance is not only dangerous, but it’s illegal. If you’re caught without insurance or you have less than the minimum requirement, you may face the following consequences:

  • Fines
  • Driver’s license suspension for a year if you’re uninsured
  • Towing of your car and responsible for towing/storage fees
  • If you get into an accident as an uninsured driver, you’ll have to file an SR-22 for three full years following to prove you’re insured. This comes with even more fees for processing and is a pain for you.

What do Oregonians pay for auto insurance?

Auto insurance rates ebb and flow like the tide. Shopping around can help guarantee you aren’t overpaying. A good rule of thumb is to get quotes from three different companies or more and to check back in every year or so to see if you can get a cheaper premium.

We analyzed auto insurance rates in Oregon and on average, drivers are paying $1,459 for car insurance. Based on our research, these are the cheapest car insurance companies for drivers in Oregon:

Average Annual Rates
Oregon Mutual Insurance$894.95
American Family$1,045.25
Country Financial$1,434.85

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Your auto insurance rates are based on factors like age, gender, marital status, credit score, and driving record. If you have a poor credit history or bad driving record, make sure to ask about insurance discounts when you’re shopping for auto insurance quotes. Major insurers offer opportunities to save like the good student discount, safe driver discount, and the discount for taking a defensive driving course. You may also get a discount for bundling two types of insurance, like an auto insurance policy and a homeowners insurance policy. Discounts like these can significantly bring down your insurance costs.

What are the insurance options for high-risk drivers?

If you don’t have a spotless driving record, you might be labeled a high-risk driver. To insurance companies, this means you’re a liability. While insurance companies can deny you coverage in the open market place, thanks to the Western Association of Automobile Insurance Plans (WAAIP), you can find coverage. Your premium will be higher until you can clean your record with time, but at least you’ll satisfy legal requirements.

Did you know?

If you’re worried that your insurance company isn’t obeying the law, you can contact the Oregon Insurance Division online.

  • Online English form
  • Online Spanish form

Or by mail or fax.

Did You Know?

Car thieves tend to target certain makes and models more than others. Drive one of these top stolen cars in Oregon and you could see your premiums go up*:

  • Honda Accord
  • Honda Civic
  • Toyota Camry
  • Ford Pickup (full size)
  • Chevrolet Pickup (full size)
  • Subaru Legacy
  • Acura Integra
  • Toyota Corolla
  • Jeep Cherokee/Grand Cherokee
  • Dodge Pickup (full size)

*According to

If you drive a frequently stolen vehicle, it’s recommended that you add comprehensive coverage to your policy.

Need to talk to an agent?

Robot friendships may not be that far off in the future, but talking to an agent about car insurance should never feel that way. Our agents are personable people to talk to and expert professionals who can help you find the best insurance policy for your needs at affordable rates. Call [mapi-phone /] to speak to an insurance agent today.

Oregon Driver Resources


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