Almost every state in the nation requires some type of auto insurance coverage—and Oregon is no different. Below, you'll learn how much insurance you need, what optional coverages and discounts are available, and helpful links to get you legally driving in Oregon.
How much is car insurance in Oregon?
Car insurance in Oregon averages about $1,350 annually or $110/month for “full coverage” policies, whereas minimum coverage averages around $600 annually or $50/month.*
In Oregon, drivers can choose between:
6-month terms
12-month terms
Get a free car insurance quote in 3 steps
Minimum Oregon state car insurance requirements
Oregon requires drivers to meet or exceed minimum limits of certain car insurance coverages to drive legally on the road. The coverages include bodily injury and property damage liability, uninsured motorist (UM), and personal injury protection (PIP).
If you own your car, meeting the minimum Oregon state insurance requirements may be sufficient. If you're leasing or purchasing a vehicle, you'll likely have to carry "full coverage" insurance.
Like many other states, if you’re driving in Oregon, you’re required to hold the minimum levels of car insurance coverage. Failing to do so can mean:
Tickets and fines up to $1,000
Suspension of your driver's license for 12 months
Suspension of your car's registration
An SR22 filing requirement for 3 years
An $85 reinstatement fee for a suspended or revoked driver's license
Oregon bodily injury and property damage liability insurance
Liability coverage comes in two forms: bodily injury and property damage. Bodily injury liability can help pay for certain injury-related expenses in a covered accident where you’re at fault and the other party is injured. Property damage liability can help protect you financially if you damage someone else’s property in a covered incident.
In Oregon, minimum liability coverage is listed as three numbers—25/50/20. Here's a breakdown of those requirements:
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$20,000 property damage liability per accident
Oregon UM insurance
Uninsured motorist bodily injury coverage can help protect you financially if you’re injured in an accident where the other party is at fault and isn’t insured. Oregon drivers are required to carry:
$25,000 bodily injury per person
$50,000 bodily injury per accident
Oregon PIP insurance
Oregon requires drivers to carry a minimum amount of personal injury protection coverage. If you or your passengers are injured in a covered accident, your PIP coverage can help cover your medical expenses, lost income, and certain related expenses. Oregon PIP has multiple limits:
$15,000 for medical and hospital expenses
$3,000 per month for income continuation, up to 52 weeks
$30 per day for essential services, up to 52 weeks
$5,000 for funeral expenses
$25 per day for childcare expenses, up to $750
Get a free car insurance quote today.
Optional car insurance coverages in Oregon
You can strengthen your insurance policy with coverage above and beyond the minimums. Some additional coverages we offer in Oregon include:
Collision coverage in Oregon
Collision insurance can help pay for damages to your vehicle that result from hitting another vehicle or stationary object with your car.
Comprehensive coverage in Oregon
Comprehensive insurance is a physical damage coverage that can help pay for damages to your car from incidents other than those caused by a car accident—such as certain weather events, hitting a deer or another animal, or if your car is stolen.
Rental reimbursement coverage
If an auto accident or other covered incident renders your vehicle undrivable, rental reimbursement coverage can help pay for the cost of renting a car while yours is out of commission.
Roadside assistance coverage
Roadside assistance coverage can help pay for towing your car to the nearest shop, getting a flat tire fixed, delivery of emergency fuel in the event you run out, and other services related to your vehicle breaking down.
We offer two tiers of roadside assistance:
Basic: May cover up to $75 per event
Extended: May cover up to $100 per event
You can use your roadside assistance coverage up to six times per year, per car on your policy, but no more than three times per car in any consecutive six-month period.
SR22 insurance in Oregon
If you have a spotty driving record, you may be required to file proof of insurance with the state. In Oregon, this is done with an SR22 form.
You may need an SR22 form if you've:
Driven your car without insurance coverage
Had a suspended license
Driven your car with a suspended license
Had a driving infraction involving illegal or controlled substances
Had a driving infraction involving alcohol
We perform same-day filing for SR22s, and we express ship the day's forms to the DMV every night.
Car insurance discounts in Oregon
Another way to save money on your car insurance is to regularly check to see if you qualify for discounts. If your situation changes or your state offerings change, you could pick up a good deal! We offer the following car insurance discounts to Oregon drivers:
Multi-car
Prior insurance
Homeowners
Paid in full
Quarterly
Advanced quote
Defensive driver course
Who has the cheapest car insurance in Oregon?
That depends. No one carrier will have the lowest prices for every customer and every type of insurance. That’s why it’s a good idea to get quotes from multiple insurers. The cheapest car insurance in Oregon depends on multiple variables specific to you, including:
Age
Insurance score
Accident and infraction history
Experience level
Teen driver(s) on your policy
Coverage types and limits on your policy
Need more than Oregon car insurance?
There's more to driving legally and safely than simply having auto insurance. Start by familiarizing yourself with Oregon's driver regulations and resources.
Oregon driver requirements and laws
Many rules of the road are standard across the United States, but if you’re driving in Oregon, there are a few differences you should be aware of.
Unattended motor vehicle laws: It’s against Oregon law to leave an unattended car running—even if you’re letting it warm up on a cold day.
Pedestrian right-of-way laws: Pedestrians have the right of way in both cross walks and on sidewalks. So, when you’re leaving driveways or alleys to enter the roadway, you’re required to yield to pedestrians.
Daytime headlight requirements: If you’re driving through inclement weather, you need to turn on your headlights to increase visibility, even during the daytime.
Additional Oregon driver resources
For more information about Oregon state insurance requirements, driving laws, and more, check out these state agencies:
Oregon Department of Transportation
The Oregon Department of Transportation (ODOT) is the umbrella for all state motor vehicle-related agencies, including the Oregon Department of Motor Vehicles (DMV). They have everything new drivers or new-to-Oregon drivers need to get on the road legally.
Here’s a selection of helpful resources from ODOT:
Tips and regulations for aging drivers
Tips and regulations for teen drivers
Oregon Department of Insurance
The Oregon Department of Insurance helps individuals with all aspects of insurance products, including home, healthcare, and auto. You can also find information about consumer protections in the insurance industry.
Looking for car insurance in Oregon?
If you’re in the market for car insurance in Oregon, why not start with Dairyland? We can help you build an affordable policy that meets state requirements and has all the coverages you need to stay protected on Oregon roads.
*Data accuracy is subject to this article’s publication date.
