State guide
Insurance in Oregon
Required coverage, penalties, official contacts and sources for Oregon, reviewed 2026-10.
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Car insurance
What Oregon requires.
Liability 25/50/20, $15,000 PIP and uninsured motorist 25/50. Claims system: fault-based claims with required pip.
| Coverage | Requirement in Oregon |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per crash for bodily injury to others |
| Property damage liability | $20,000 per crash for damage to others' property |
| Injury protection | Personal injury protection (PIP): $15,000 per person |
| Uninsured / underinsured motorist | Uninsured motorist: $25,000 per person / $50,000 per crash for bodily injury. Required |
Required coverage
- Bodily injury liability: $25,000 per person and $50,000 per crash
- Property damage liability: $20,000 per crash
- Personal injury protection: $15,000 per person
- Uninsured motorist: $25,000 per person and $50,000 per crash for bodily injury
Other coverage commonly available
- Underinsured motorist
- Collision
- Comprehensive
- Higher limits
If you drive without required coverage
In Oregon it is illegal to drive without liability coverage (ORS 806.010). Penalties are set by Oregon law. Confirm current penalties with Oregon DMV.
Notices
What to know in Oregon.
- You must give your insurance policy number every time you register a vehicle, or when you buy a light vehicle trip permit.
- Some vehicles are not required to have insurance. The exemptions are in ORS 806.020.
- Oregon DMV contact: 1-503-945-5000.
General information only. It is not legal advice. Rules change, so confirm with the official sources listed below.
Home insurance
Start with the Division of Financial Regulation
- Standard homeowners policies typically exclude flood. Flood coverage is bought separately, including through the National Flood Insurance Program.
- The Division of Financial Regulation oversees insurance companies in Oregon and is the state authority for questions about insurers, agents and complaints.
Health insurance
Oregon Health Insurance Marketplace (OregonHealthCare.gov)
Oregon Health Insurance Marketplace (OregonHealthCare.gov) (state-based marketplace)
- Oregon is moving from HealthCare.gov to its own state-run enrollment platform for plan year 2027. State law (Senate Bill 972) requires the new platform by November 1, 2026. Confirm where and when to enroll on OregonHealthCare.gov.
Open Oregon Health Insurance Marketplace (OregonHealthCare.gov)
Contacts
Who to contact.
- Oregon Division of Financial Regulation
- Website: dfr.oregon.gov
- NAIC directory of state insurance departments
Sources
Where this summary comes from.
Reviewed 2026-10. Check each source for the current rule.
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