What are Oregon's minimum auto insurance requirements?

Oregon requires: Bodily Injury Liability of $25,000 per person and $50,000 per accident, Property Damage Liability of $20,000 per accident, Uninsured Motorist Bodily Injury of $15,000 per person and $30,000 per accident, and Personal Injury Protection (PIP) of $15,000 per person. These are minimums and most drivers need higher limits.

What is PIP coverage and why does Oregon require it?

Personal Injury Protection (PIP) is a no-fault coverage that pays medical expenses, lost wages, and other costs for you and your passengers regardless of who caused the accident. Oregon is one of about a dozen states that require PIP coverage. The minimum is $15,000, but higher limits are available and recommended given the cost of medical care.

What happens if I drive without insurance in Oregon?

Driving without insurance in Oregon is illegal. Penalties include: fines of $130 to $1,000, suspension of your driver's license, suspension of your vehicle registration, and SR-22 filing requirements for up to 3 years. If you cause an accident without insurance, you are personally liable for all damages and injuries.

Do I need uninsured motorist coverage in Oregon?

Yes. Oregon requires uninsured motorist (UM) coverage of at least $15,000 per person and $30,000 per accident. This coverage protects you when the at-fault driver has no insurance or insufficient coverage. Given that an estimated 12 to 15 percent of Oregon drivers are uninsured, UM coverage is essential protection.

Oregon Auto Insurance Requirements

Minimum Coverage, PIP & Uninsured Motorist — Oregon's Unique Auto Laws

Get A Quote (541) 238-7775

Understanding Oregon's Auto Insurance Laws

Oregon has some of the most specific auto insurance requirements in the United States, including mandatory Personal Injury Protection (PIP) coverage that is not required in most other states. Understanding what Oregon requires — and why — helps you make informed decisions about your auto insurance coverage.

As an independent insurance agency serving Oregon drivers since 1935, Insure Pacific's agents are experts in Oregon auto insurance law. We will make sure you meet all state requirements and recommend the right additional coverage for your specific situation.

Oregon's minimum coverage requirements are just that — minimums. Most Oregon drivers need higher limits to be adequately protected given the cost of medical care, vehicle repairs, and legal liability in today's environment.

Get A Quote Call (541) 238-7775

Coverage Highlights

Bodily injury liability: $25,000/$50,000 minimum
Property damage liability: $20,000 minimum
Uninsured motorist: $15,000/$30,000 minimum
Personal Injury Protection (PIP): $15,000 minimum
Higher limits strongly recommended for most drivers
Comprehensive and collision for financed vehicles

Get A Free Quote

Get the Right Oregon Auto Insurance Coverage

Insure Pacific helps Oregon drivers understand their coverage requirements and find the right policy at a competitive price. Our local agents will make sure you meet Oregon's requirements and have adequate protection.

Get A Quote (541) 238-7775

Frequently Asked Questions

Also see: Auto Insurance Bend Oregon · Auto Insurance Oregon · Car Insurance Quotes Bend

Get in Touch

Ready to protect what matters most? Contact us today for a no-obligation insurance review. Our experienced agents are here to help you find the right coverage for your needs.

Bend — Main Office

2843 NW Lolo Drive

Bend, OR 97703

(541) 238-7775

Prineville Office

220 NW Meadow Lakes Drive

Brookings Office

Monica

Insurance Specialist

Hi there! 👋

I'm the AI version of Monica here at Insure Pacific!

Ask me anything about insurance — home, auto, farm, commercial, wildfire, and more. I can answer your questions directly or connect you with one of our agents.

Insure Pacific | Oregon Independent Insurance Agency Since 1935