Oregon Minimum Coverage Car Insurance: Requirements and Costs (December 2024)

Oregon's state minimum car insurance liability limits are 25/50/20. The average annual cost for state minimum coverage is $805, which breaks down to about $67 per month.

Updated: December 10, 2024

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Oregon's minimum car insurance requirements include bodily injury liability of $25,000 per person and $50,000 per accident, along with property damage liability of $20,000 per accident. Additionally, uninsured/underinsured motorist coverage is required at $25,000 per person and $50,000 per accident.

Meeting Oregon's minimum car insurance requirements costs an average of $67 monthly. Consider additional coverage for better protection. To find the most cost-effective options, explore the cheapest car insurance in Oregon.

TABLE OF CONTENTS

Oregon Minimum Coverage Requirements
Average Cost of Minimum Coverage Car Insurance in Oregon
Cheapest Companies in Oregon for Minimum Coverage
Add-On Coverages in Oregon
Penalties for Driving Without Insurance in Oregon
FAQ

Why Trust MoneyGeek? MoneyGeek analyzed data from Oregon Department of Insurance and Quadrant Information Services to give you the most accurate cost data for a range of Oregon drivers.

These rates reflect the cost of minimum coverage car insurance requirements in Oregon as of December 2024.

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Oregon Minimum Coverage Car Insurance Requirements

In Oregon, the law mandates drivers to carry minimum coverage auto insurance to legally operate a vehicle. The required minimums are as follows:

$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$20,000 property damage liability per accident
$25,000 uninsured motorist bodily injury per person
$50,000 uninsured motorist bodily injury per accident
$15,000 personal injury protection per person

In a fault state, the person responsible for the accident is liable for the damages. Since Oregon is a fault state, insurance companies typically look at the driving record and the possibility of the policyholder being at fault when setting insurance premiums.

DOES OREGON REQUIRE COLLISION AND COMPREHENSIVE COVERAGE?

Oregon does not mandate drivers to carry collision or comprehensive insurance as part of the minimum coverage requirements. While drivers who fully own their cars can opt out, those with a car loan or a car lease will likely be required by lenders to protect their investment.

What Does Minimum Coverage Cover?

What Liability Insurance Covers	What Liability Insurance Doesn't Cover
Injuries to others if you are at fault in an accident	Your injuries
Damage to another person’s property if you are at fault in an accident	Damages to your car
Some coverage for injuries caused by uninsured/underinsured drivers, depending on your policy	Repairs for weather-related accidents or if you were hit by an animal
	Property damage caused by uninsured/underinsured drivers unless additional coverage is purchased

The table reflects the minimum coverage auto insurance requirements in Oregon, including bodily injury and property damage liability. Coverage specifics will vary per an individual's policy terms and conditions.

Average Cost of Minimum Coverage Car Insurance in Oregon

When considering various factors for the cost of minimum car insurance rates, age stands out as the most influential. In Oregon, drivers aged 22-29 face the highest premiums due to their perceived higher risk of accidents.

The table below highlights the average cost of minimum coverage in Oregon across different age groups, offering a clear view of what drivers can expect to pay annually and monthly.


22-29	$883	$74
30-59	$805	$67
60 +	$802	$67

Cheapest Companies for Minimum Coverage Car Insurance in Oregon

Kemper and Travelers offer the most economical yearly rates for drivers seeking minimum coverage auto insurance in Oregon.

Kemper: $480 per year; $40 per month
Travelers: $536 per year; $45 per month

Evaluating your specific needs is important to determine the most fitting coverage. Explore your options and find the best car insurance in Oregon to secure your vehicle appropriately.

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Age Group:30-59


Kemper	$480	$40
Travelers	$536	$45
State Farm	$587	$49
Country Financial	$612	$51
GEICO	$629	$52
Progressive	$634	$53
Capital Insurance Group	$638	$53
American Family	$663	$55
Nationwide	$733	$61
Farmers	$788	$66
Allstate	$1,275	$106
Dairyland	$2,092	$174

Optional Add-On Coverages in Oregon

In Oregon, drivers can opt for additional coverages, such as comprehensive, collision, uninsured motorist property damage and medical payments coverage. While not mandated by law, these options can provide valuable protection against various incidents and financial losses. To determine how much car insurance you need, consider the benefits of these coverages in context with your personal situation and vehicle value.

Add-On Coverage	What It Covers	What It Doesn't Cover
Uninsured/Underinsured Motorist Coverage	Medical expenses, lost wages and repair costs if you're hit by a driver with no or insufficient insurance	Damage to your vehicle if you are at fault or damages that exceed policy limits
Personal Injury Protection (PIP)	Medical expenses, lost income and funeral costs for you or your passenger, regardless of who's at fault	Vehicle damage or injuries to the other driver
Roadside Assistance	Services like towing, flat tire changes and jump-starts when your car breaks down	Cost of parts or repairs needed after the tow
Gap Insurance	Pays the difference between your car's current value and what you still owe if it's totaled or stolen	Vehicle depreciation or overdue loan payments
Rental Car Reimbursement	The cost of a rental car while your vehicle is being repaired after a covered event	Fuel, insurance or other rental extras
Collision Coverage	Repairs to your car after an accident, regardless of fault	Damage due to theft, vandalism or natural disasters
Comprehensive Coverage	Repairs to non-collision damages from events like theft, fire or hail	Damages from a collision or personal injuries
Towing and Labor Coverage	Towing and basic roadside assistance labor costs at the site of your vehicle's breakdown	More extensive repairs needed at a garage
Custom Parts and Equipment Coverage	Safeguards aftermarket enhancements like custom wheels or stereo systems	Original parts that came with your vehicle
Accidental Death Coverage	Offers a payout if you or a passenger dies or experiences certain injuries in a car accident	Non-accidental deaths or injuries
Classic Car Insurance	Agreed-upon values for your unique vehicle, tailored for vintage or collector cars	Regular use, like your daily commute

Penalties for Driving Without Insurance in Oregon

The cost of a ticket for driving without insurance in Oregon is dependent on whether it's a first-time offense or a repeat violation. For first offenses, penalties include fines, while repeat offenses may lead to heavier fines and potentially more severe consequences.

Additional penalties for driving without at least minimum coverage in Oregon include:

Fines: A financial penalty is imposed, which can increase with subsequent violations.
License suspension: Your driving privileges may be revoked, with a fee to reinstate them.
Vehicle impoundment: Your car may be taken into custody, incurring additional fees.
Vehicle registration suspension: The legal authorization for your car to be on the road can be withdrawn.
SR-22 requirement: A certificate to prove future financial responsibility may be mandated.

Driving without insurance in Oregon may also result in up to six months of jail time if you’re involved in an accident while uninsured. Abide by the law and maintain at least the state minimum coverage to avoid these penalties.

What to Do if Your Policy Is Canceled

If your car insurance policy is canceled in Oregon, immediately stop driving your vehicle and contact your insurance agent to discuss options for reinstatement or to find new coverage. Driving without insurance is illegal and puts you at significant risk.

The Oregon DMV will likely be notified if your policy is canceled, as insurance companies are required to report lapses in coverage. Operating a vehicle without insurance may result in fines, impoundment or license suspension.

To regain coverage, shop for a new policy with different insurance providers. Oregon does not have a state-run insurance program for high-risk drivers, but you can seek policies through the non-standard market, where insurers specialize in covering drivers who might be considered high-risk.

WHY WAS MY POLICY CANCELED?

Your car insurance policy in Oregon may have been canceled for a few reasons:

Non-Payment of Premiums: If you miss your insurance payments, the carrier may cancel your coverage.
License Suspension: Having your driver's license suspended can lead to policy cancellation.
Fraudulent Application: Providing false information on your insurance application can result in cancellation.
Too Many Claims: Filing too many claims in a short period might lead to your insurer dropping your policy.
Violation of Policy Terms: Breaking the terms of your insurance contract, such as unauthorized drivers using your vehicle, can cause cancellation.

FAQ: Oregon Minimum Coverage Car Insurance

Here, you'll find answers to common questions about policy minimums, coverage options and penalties for noncompliance in Oregon.

What is the minimum car insurance coverage in Oregon?

Oregon mandates that drivers carry minimum coverage auto insurance. This includes bodily injury liability at $25,000 per person and $50,000 per accident, along with $20,000 for property damage liability. Moreover, uninsured motorist coverage is required at $25,000 per person and $50,000 per accident.

Personal injury protection is also mandatory, with a minimum of $15,000. These coverages are essential for financial protection against potential accidents and injuries on the road.

Why does Oregon require minimum automobile liability coverage for motorists?

Oregon mandates minimum coverage auto insurance to safeguard both the policyholder and other drivers from the financial aftermath of accidents. This coverage assists in covering damages or injuries to others for which you may be held liable.

To properly comply with Oregon's car insurance requirements, purchase a policy with at least minimum coverage. This not only aligns with the law but also provides a basic safety net for you and other motorists against potential financial losses from vehicle-related incidents.

Do you need comprehensive insurance in Oregon?

In Oregon, while state law requires drivers to carry minimum coverage auto insurance, comprehensive insurance is optional. However, comprehensive insurance is highly recommended for added protection against non-collision incidents, such as theft, weather damage or hitting an animal. Lenders may also require this coverage if you're financing or leasing a vehicle.

What happens if you drive uninsured in Oregon?

Driving uninsured in Oregon can lead to severe consequences, including hefty fines starting at $130, suspension of driving privileges and vehicle impoundment. Repeat offenders may face increased penalties and risk losing registration privileges. To reinstate driving rights, proof of future financial responsibility through SR-22 insurance may be required for three years.

About Mark Fitzpatrick

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.

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