Oregon car insurance: requirements & free quotes
Oregon is an at-fault state that also requires personal injury protection and uninsured motorist coverage. Driving conditions range from Portland traffic to mountain passes and rainy coastal roads.
Minimum coverage in Oregon
$25,000
Bodily injury per person
$50,000
Bodily injury per accident
$20,000
Property damage
Bodily injury liability $25,000 per person / $50,000 per accident
Property damage liability $20,000 per accident
Personal injury protection (PIP) $15,000
Uninsured motorist $25,000 per person / $50,000 per accident
Shown as 25/50/20 + PIP 15,000 + UM 25/50. State minimums only cover others when you're at fault — they don't pay to repair your own car. Read how much car insurance you really need.
Ways to save on car insurance in Oregon
- Consider raising uninsured/underinsured motorist limits above the minimum.
- Comprehensive coverage helps with falling trees, wildfire and weather damage.
- Ask about discounts for low mileage and bundled policies.
- Higher liability limits are worth pricing for urban commuting.
We connect drivers across Oregon
Including Portland, Eugene, Salem, Gresham and Hillsboro — and smaller towns in between. Availability depends on agencies serving your ZIP code.
Oregon car insurance FAQ
No. Oregon is an at-fault (tort) state, which means the driver who causes an accident — through their liability insurance — is responsible for the other people's injuries and property damage.
Compare quotes from several insurers, ask about discounts (bundling, safe driver, paperless, good student), raise your deductible if you have savings to cover it, and keep a clean driving record. A local agent can shop multiple insurance companies for you at once.