Oregon Car Insurance
Oregon car insurance laws are much higher than most state requirements. All drivers are required to obtain liability insurance, personal injury protection, and uninsured motorist coverage. Oregon car insurance rates average around 15 percent lower than the national average, and there are well over 125 Oregon auto insurance companies licensed to sell coverage. Start comparing rates now with our free tool below.
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Written by
Tonya Sisler
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Reviewed by
Brad Larsen
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UPDATED: Oct 22, 2020
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- One thing you should remember is that Oregon operates under the tort system of liability and does not have the liability protection
- Oregon car insurance laws are much higher than most state requirements
- The Oregon Department of Motor Vehicles and local law enforcement are responsible for administering Oregon car insurance laws
Oregon car insurance laws are much higher than most state requirements. All drivers are required to obtain liability insurance, personal injury protection, and uninsured motorist coverage.
The penalties for driving with no car insurance in Oregon are high. If you happen to get in a car accident while operating a vehicle with no guarantee your driver’s license will be suspended for 12 months!
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Oregon Car Insurance Laws
Minimum auto insurance coverage and rates vary from state to state. Compare state to state below:
The Oregon Department of Motor Vehicles and local law enforcement are responsible for administering Oregon car insurance laws.
Before registering any vehicle in Oregon you must show proof of insurance and continue to maintain auto insurance at all times which conforms to state minimum requirements.
Oregon car insurance laws require all vehicles to carry liability insurance with at least:
— Liability Insurance
- $25,000 per accident involving one injured person
- $50,000 combined liability coverage per accident
- $20,000 property damage
Your average monthly car insurance rates by coverage may be cheaper than expected for additional coverage like comprehensive. Review rates for car insurance coverage below:
— PIP (Personal Injury Protection)
- $15,000 to pay reasonable and necessary medical expenses for a minimum of one year following a car accident.
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— Uninsured Motorist Coverage
- $25,000 per accident
- $50,000 total coverage per accident
There are some vehicles exempt from these car insurance requirements such as classic cars, snowmobile, farm trailers and other non-typical private passenger vehicles so check with the Department of Motor Vehicles for a full list of exempt vehicles.
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Oregon Car Insurance Rates
Oregon is a pretty reasonable state for car insurance premiums. One thing you should remember is that Oregon operates under the tort system of liability and does not have the liability protection from no-fault car insurance laws.
How does ZIP code affect auto insurance? Factors like traffic, crime, and claim frequency in your area all matter. Find out how your ZIP code compares against other zips in OR.
Which gender and age pays more for car insurance? Drivers under 25 years old are often in the highest risk class. See if the gender stereotype (males vs female auto insurance rates) holds true in Oregon.
Six major factors affect auto insurance rates in OR. Which car insurance factors will affect your rates the most? Find out below:
Who is the cheapest car insurance company in OR? Review the average auto insurance rates by company below:
Who are the largest auto insurance companies in OR?
At first glance, Oregon car insurance requirements may seem a bit high, however, they are one of the most comprehensive sets of minimum-mandatory auto insurance requirements in the nation.
Oregon car insurance rates average around 15 percent lower than the national average, and well over 125 auto insurance providers are licensed to sell coverage.
Almost all car insurance companies offer coverage in Oregon including Fireman’s Fund, Esurance, Progressive and other well-known brands. Take your time, compare and try to find a balance between affordable premiums and a quality provider.
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