Cheap auto insurance in Oregon

Illustration of Crater Lake in OregonIllustration of Crater Lake in Oregon

While every state has some sort of mandatory guideline regarding car and auto insurance coverage, the minimum limits vary by state. The following is a breakdown of minimum liability requirements for Oregon:

Is it mandatory to have car insurance in Oregon?


What are the minimum limits for Oregon?

$25,000 bodily injury liability per person 
$50,000 bodily injury liability per accident 
$20,000 property damage liability per accident



Car insurance coverage in Oregon

We’re proud to be able to help drivers in Oregon meet their insurance needs. Here are some of the parameters of our insurance coverage in Oregon:

What is the maximum bodily injury liability and property damage liability limit available in Oregon?

$100,000 bodily injury liability per person
$300,000 bodily injury liability per accident
$100,000 property damage liability per accident



What coverages are required to be offered in Oregon?

Bodily injury liability, property damage liability, uninsured motorist bodily injury, and personal injury protection must be offered and can't be rejected.

What coverages are available in Oregon?

  • Bodily injury liability

  • Property damage liability

  • Uninsured motorist bodily injury

  • Uninsured motorist property damage

  • Underinsured motorist bodily injury

  • Personal injury protection

  • Comprehensive

  • Collision

  • Lienholder deductible

  • Special equipment

  • Rental reimbursement

  • Roadside assistance

  • Car loan protection

What’s the oldest a vehicle can be to get comprehensive and collision coverage in Oregon?

20 years

How far back does Oregon go to look at violation history?

3 years

What additional policy types are offered in Oregon?

Is an insurance score used in my rating in Oregon? If so, is it mandatory?

Yes—insurance scores are used in Oregon, but they aren’t mandatory

What policy terms are available in Oregon?

6 and 12 months.

What is the minimum down payment option in Oregon?

1 month

Are SR22s used in Oregon? If so, is there a fee?

SR22s are available in Oregon. They’re express shipped to the Oregon Department of Motor Vehicles each night.

What discounts are available in Oregon?

  • Multi-car

  • Prior insurance

  • Homeowners

  • Paid in full

  • Quarterly

  • Advanced quote

  • Defensive driver course

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