Oregon Auto Insurance Requirements & Rates
Oregon requires 25/50/20 liability coverage and is an at-fault state.
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Oregon at a Glance
25/50/20
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
PIP and Uninsured motorist coverage must be on every policy
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Oregon operates under a traditional at-fault tort liability system, meaning the driver responsible for an accident is liable for resulting damages. Oregon enforces compliance through automatic license suspensions for lapses exceeding 30 days.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Personal Injury Protection (PIP)
Cost Overview
about $98/mo
Average car insurance spending in Oregon
Rate data: NAIC Auto Insurance Database, 2023
What Affects Your Rate
- Comprehensive claims spike in western Oregon counties during November–February due to severe storms, flooding, and falling tree debris
- Urban theft risk elevates comprehensive premiums for popular theft targets — Honda Accords and CR-Vs stolen in Portland exceed 1,500 annually
- Credit-based insurance scores significantly impact Oregon rates, with poor credit doubling premiums compared to excellent credit for identical coverage
Compare Before You Renew
Compare Auto Insurance RatesFrequently Asked Questions
Is Oregon a no-fault state for car insurance?
No, Oregon operates under a traditional at-fault tort system where the driver responsible for a crash is liable for resulting damages. Injured parties can file claims against the at-fault driver's liability insurance and sue for amounts exceeding policy limits. Oregon does require insurers to offer personal injury protection (PIP), but this does not make it a no-fault state.
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others in at-fault accidents. Oregon's 25/50/20 minimums provide inadequate protection — a two-car collision with injuries easily generates six-figure claims when you factor in medical costs, lost wages, and vehicle replacement.
Full Coverage
Combines liability, collision, comprehensive, uninsured motorist, and PIP into complete protection for both your vehicle and injury costs. Required by lenders for financed vehicles and recommended for any car worth more than $5,000.
Comprehensive Coverage
Pays for non-collision damage to your vehicle including theft, vandalism, weather events, animal strikes, and falling objects. Covers repair or replacement up to actual cash value minus your deductible.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage to pay for your injuries. Covers medical expenses, lost income, and pain and suffering up to your policy limits.
Collision Coverage
Pays to repair or replace your vehicle after crashes with other vehicles or objects, regardless of fault. Particularly valuable for newer vehicles where replacement costs exceed $15,000–$20,000.
SR-22 Insurance
Not a separate coverage but a certificate filed with Oregon DMV proving you carry minimum liability insurance after serious violations like DUI, driving uninsured, or excessive points.