Car insurance · Oregon
Car insurance requirements in Oregon
Liability 25/50/20, $15,000 PIP and uninsured motorist 25/50. Claims system: fault-based claims with required pip.
Verified summaryAll Oregon insurance topics
Requirements
Minimum car insurance requirements in Oregon
| 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 |
What the law requires you to carry
- 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
Uninsured drivers
Uninsured motorist coverage in Oregon
Uninsured motorist: $25,000 per person / $50,000 per crash for bodily injury. Required.
Optional coverage
Coverage you can add in Oregon
- Underinsured motorist
- Collision
- Comprehensive
- Higher limits
Penalties
Penalties for driving without insurance in Oregon
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.
Good to know
Other things 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.
Contacts
Who to contact in Oregon
- 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.
- Oregon DMV: Insurance requirementsoregon.gov
Keep reading
Guides that explain these coverages
- Minimum car insurance requirements by state
- Which States Require Uninsured Motorist Coverage?
- No-Fault vs. At-Fault Car Insurance: Which States Use Which
- States That Raised Minimum Car Insurance Limits Since 2018
- Liability coverage explained
- Collision vs. comprehensive coverage
- What affects your car insurance rate
- After an accident: what to do and what to expect
More about Oregon.
Home insurance resources and the health marketplace for Oregon are on its overview page.