Oregon motorcycle insurance

Before you hit the road or take in the rugged Cascade Mountains, make sure your motorcycle insurance policy has you covered, and familiarize yourself with Oregon’s rules of the road.

What’s required of all motorcycle riders in Oregon?

To legally operate your motorcycle in Oregon, you’ll need to be 16 or older, have a valid driver’s license, and obtain a motorcycle endorsement on your license. Once you’ve completed that process and are ready to ride, be sure to follow state motorcycle laws, including:

Helmets: All motorcycle operators and passengers are required to wear helmets.
Lights: Your motorcycle must have at least one white headlight, but no more than three. It also needs at least one red brake light and two front turn signal lights.
Mirrors: Your motorcycle must have at least one rear-view mirror.
Lane splitting: Lane splitting is illegal, as are any other maneuvers that involve sharing lanes or weaving between vehicles.

What are the motorcycle insurance requirements in Oregon?

As a motorcycle rider in Oregon, you’re required to carry bodily injury liability, property damage liability, and uninsured/underinsured motorist (UM/UIM) coverages. Here are the minimum motorcycle insurance coverages to legally ride in Oregon:

$25,000 per person for bodily injury liability
$50,000 for two or more persons for bodily injury liability
$20,000 for property damage liability

UM/UIM coverages:

$25,000 per person for bodily injury
$50,000 per accident for bodily injury

If you’re involved in an accident in which the losses exceed these limits, you could be responsible for paying the remainder out of pocket. Choosing higher motorcycle insurance limits can help protect you and your assets in these situations.

Are optional motorcycle insurance coverages available in Oregon?

Along with purchasing higher limits on the required coverages above, you can choose to purchase optional coverages for more situation-specific protection. Here are a few of the optional coverages available in Oregon:

Comprehensive
Collision
Physical damage plus (genuine manufacturer’s parts)
Roadside assistance
Transport trailer physical damage
Trip interruption

Motorcycle insurance discounts available in Oregon

We believe your insurance should be as customizable as your bike. That’s why we offer a range of discounts on our already-affordable coverages. Check out the list below—you could qualify for several of these discounts:

Operator safety course
Homeowner
Transfer
Loyalty
Motorcycle rider group
Multi-vehicle
Multi-line
Harley Owners Group (H.O.G.) member

Sites to see in Oregon

Oregon is a beautiful state with a bit of everything. Here are a few must-see destinations:

Crater Lake National Park

Crater Lake is the deepest lake in the United States, fed only by rain and snowfall, with no rivers flowing in or out. Along with its namesake lake, Crater Lake National Park offers you stunning panoramic views of the surrounding Cascade Mountains as well.

Cannon Beach

Cannon Beach has been named one of America’s best beach towns by National Geographic, and it’s easy to see why. This seaside village features gorgeous rocky shorelines, a moderate Mediterranean climate, and a one-of-a-kind natural wonder: Haystack Rock. At 235 feet in height, Haystack Rock rises out of the ocean as a backdrop to the shoreline’s iconic scenery.

Columbia River Gorge National Scenic Area

For a true taste of Oregon’s wilderness, ride into the Columbia River Gorge National Scenic Area. Here you’ll see the mighty Columbia River slice through the Cascade Mountains, with dozens of incredible waterfalls along its route. Keep your eyes peeled for black bears, northern spotted owls—and maybe even Bigfoot.

Get insured and ride on.

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What’s required of all motorcycle riders in Oregon?

What are the motorcycle insurance requirements in Oregon?

Ready to buy coverage, but not sure how? Check out our motorcycle insurance recommendations.