Oregon Car Insurance Requirements in 2026 (Minimum Coverage in OR)
Oregon car insurance requirements include 25/50/20 of bodily injury and property damage coverage. OR car insurance rates start at $30 monthly. Failure to follow the Oregon minimum car insurance requirements can lead to towing your vehicle with applicable fees.
Read more
Secured with SHA-256 Encryption
Table of Contents
Table of Contents
Insurance and Finance Writer
Maria Hanson grew up with a unique passion and understanding of both the automotive and insurance industries. With one grandfather in auto mechanics and another working in insurance, you could say automotive insurance is in her blood. Her love of research and finance serves her well in studying insurance trends and liability. Maria has expanded her scope of expertise to home, health, and life...
Maria Hanson
Sr. Director of Content
Sara Routhier, Senior Director of Content, has professional experience as an educator, SEO specialist, and content marketer. She has over 10 years of experience in the insurance industry. As a researcher, data nerd, writer, and editor, she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world of insurance....
Sara Routhier
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
Jeff Root
Updated April 2025
Oregon requires drivers to have 25/50/20 for bodily injury and property damage liability coverage. Oregon car insurance rates start at $30 per month.
Aside from towing your vehicle, registration and license can be suspended if you fail to show evidence of insurance. Read more to get free insurance quotes online.
Oregon Auto Insurance Minimum Coverage Requirements
| Coverage | Limits |
|---|---|
| Bodily Injury Liability | $25,000 per person / $50,000 per accident |
| Property Damage Liability | $20,000 per accident |
Find the best auto insurance coverage that fits your vehicle and budget needs by comparing rates. Enter your ZIP code to compare Oregon car insurance rates from multiple insurers.
- The required auto insurance coverage in Oregon is 25/50/20
- See how collision coverage can help you save on Oregon car insurance
- Read our guide to avoid license and registration suspension in Oregon
Learn more about Oregon car insurance requirements, how you can save on your car insurance, and ways to avoid penalties and fines.
Oregon Auto Insurance Requirements & What They Cover
All personal vehicles in Oregon must meet specific liability coverage requirements. These include bodily injury liability insurance with minimum limits of $25,000 per person and $50,000 per accident and property damage liability with a minimum limit of $20,000.
In addition, Oregon also mandates bodily injury coverage for uninsured and underinsured motorists with the same $25,000 for every person and $50,000 per accident limits. Personal injury protection (PIP) coverage is also required, with a minimum limit of $15,000.
These coverages constitute the minimum car insurance requirements for drivers in Oregon. See how these minimum car insurance requirements can help you save on coverage.
Free Auto Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Cheapest Car Insurance in Oregon
When finding the best and most affordable auto insurance options in Oregon, USAA is recognized as the top provider due to its exceptional service for Oregon drivers.
6,590 reviewsCompany Facts
Min. Coverage in Oregon
A.M. Best
Complaint Level
Pros & Cons
6,590 reviews
18,157 reviewsCompany Facts
Min. Coverage in Oregon
A.M. Best
Complaint Level
Pros & Cons
18,157 reviews
13,285 reviewsCompany Facts
Min. Coverage in Oregon
A.M. Best Rating
Complaint Level
Pros & Cons
13,285 reviewsState Farm is the second most affordable option, and Progressive ranks third, offering competitive rates and solid reviews. Insurance costs also vary significantly by city; for example, drivers in Ashland pay as little as $63 per month, while those in Gresham may see rates closer to $80.
Oregon Min. Coverage Car Insurance Monthly Rates by City
| City | Rates |
|---|---|
| Albany | $67 |
| Ashland | $63 |
| Beaverton | $77 |
| Bend | $70 |
| Corvallis | $68 |
| Eugene | $75 |
| Grants Pass | $64 |
| Gresham | $80 |
| Hillsboro | $76 |
| Keizer | $65 |
| Lake Oswego | $66 |
| McMinnville | $62 |
| Medford | $72 |
| Oregon City | $73 |
| Portland | $82 |
| Salem | $78 |
| Springfield | $69 |
| Tigard | $74 |
| Tualatin | $71 |
| West Linn | $69 |
Age and gender also affect premiums. 17-year-old males typically pay more than older drivers, with rates decreasing gradually with age. Young and mature drivers across various insurance providers can look up to State Farm and USAA, which consistently provide the most affordable premiums.
Oregon Car Insurance Monthly Rates by Age and Gender
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
 | $240 | $270 | $180 | $200 | $150 | $160 | $130 | $140 |
 | $220 | $250 | $170 | $190 | $140 | $150 | $120 | $130 |
 | $260 | $290 | $200 | $220 | $170 | $180 | $150 | $160 |
 | $210 | $240 | $160 | $180 | $140 | $150 | $120 | $130 |
 | $230 | $260 | $180 | $200 | $150 | $160 | $130 | $140 |
 | $220 | $250 | $180 | $200 | $150 | $160 | $130 | $140 |
 | $230 | $260 | $190 | $210 | $160 | $170 | $140 | $150 |
 | $200 | $230 | $170 | $190 | $140 | $150 | $120 | $130 |
 | $210 | $240 | $180 | $200 | $150 | $160 | $130 | $140 |
 | $190 | $220 | $160 | $180 | $140 | $150 | $120 | $130 |
Additionally, a driver’s history significantly plays a role in determining how much insurance you should pay. Accordingly, drivers with good backgrounds or histories can pay lower rates, saving them money on insurance.
Oregon Car Insurance by Credit Score
| Insurance Company | Good Credit | Fair Credit | Poor Credit |
|---|---|---|---|
| $181 | $209 | $410 |
| $114 | $139 | $278 |
| $198 | $214 | $338 |
| $140 | $195 | $211 |
| $184 | $211 | $315 |
| $119 | $138 | $172 |
| $128 | $161 | $260 |
| $106 | $148 | $586 |
| $110 | $136 | $184 |
| $106 | $167 | $240 |
Companies like State Farm and USAA offer monthly premiums as low as $106 for customers with high credit scores. Whether you’re a young driver, an older driver, or someone working to improve your credit, Oregon drivers have various affordable insurance options to consider.
Read more: Cheapest Car Insurance Companies
Penalties for Driving Without Insurance in Oregon
Suppose you are unable to show proof of insurance.
In that case, you may face several penalties, including suspension of your vehicle registration and driver’s license, having your vehicle towed along with applicable towing and impound fees, court-imposed fines, and the requirement to submit an SR-22 form for three years.
Additionally, if you are involved in a road accident while uninsured, your driver’s license will be suspended for one year, and you will still be required to carry an SR-22 for the following three years.
Read more: Uninsured/Underinsured Motorist Insurance Coverage
Additional Coverage Options for OR Drivers
Comprehensive insurance protects you from non-collision-related incidents, such as if your car is stolen or damaged by fire. The most stolen vehicles in Oregon can show you if your car is at greater risk of being stolen.
Chris Abrams Licensed Insurance Agent
Collision insurance helps cover the costs associated with repairing your vehicle after an accident. Learn more about the different types of car insurance coverage here.
Enter your ZIP code now to see what other coverage options fit your needs and to find out if you need insurance in Oregon.
Frequently Asked Questions
What are the legal consequences if a driver in Oregon is caught without the minimum required insurance?
Penalties for not meeting the Oregon automobile insurance requirements include license suspension, vehicle towing, fines, and mandatory SR-22 insurance in Eugene, Oregon, or other regions of Oregon.
How does Oregon’s requirement for uninsured/underinsured motorist coverage benefit drivers?
Uninsured/underinsured motorist coverage is part of Oregon’s minimum auto insurance coverage, protecting you financially if the at-fault driver doesn’t meet Oregon’s state minimum insurance limits. See how these coverage options can benefit you by entering your ZIP code.
Why is personal injury protection (PIP) coverage mandatory in Oregon?
Oregon car insurance laws require personal injury protection (PIP) as part of the minimum insurance Oregon mandates. PIP covers medical costs and wages regardless of fault.
How does Oregon’s tort system affect the outcome of at-fault accidents compared to no-fault states?
Due to the tort-based Oregon car insurance laws and the laws in Oregon around liability, the at-fault party must pay for damages, which reinforces the need to meet Oregon car insurance minimum liability requirements.
What factors most significantly influence car insurance rates in Oregon?
Beyond age and history, Oregon car insurance premiums also depend on factors like vehicle type, prior claims, and the specific region of Oregon you live in, affecting your minimum Oregon policy costs. See how other factors impact your insurance by entering your ZIP code.
How does a driver’s ZIP code in Oregon influence their monthly premium?
Minimum auto insurance coverage in Oregon can vary by ZIP code, with rates in cities like Eugene or Medford influenced by traffic, accident rates, and other regional differences in Oregon liability insurance costs.
Read more: Compare Car Insurance Quotes
What role does a driver’s credit score play in determining car insurance premiums in Oregon?
In Oregon, insurers consider credit scores when determining car insurance rates—a legal but debated practice under Oregon car insurance laws and minimum Oregon insurance regulations.
What are the implications of needing to file an SR-22 in Oregon?
Failing to maintain the Oregon liability minimum can lead to SR-22 insurance filings in places like McMinnville, Medford, or Eugene, which label you high-risk and raise your Oregon car insurance costs. See more details about SR-22 insurance in Medford, OR, by entering your ZIP code.
Are comprehensive and collision coverages worth it for drivers in Oregon?
Even if you meet the minimum car insurance Oregon requirement, adding comprehensive or collision insurance may be wise, depending on your car’s value and the risk in your specific region of Oregon.
What should drivers look for when comparing car insurance quotes in Oregon?
Do you need car insurance in Oregon? You are definitely required to carry insurance that meets Oregon requirements to avoid penalties and fines.
Get a FREE Quote in Minutes
Insurance rates change constantly — we help you stay ahead by making it easy to compare top options and save.
Secured with SHA-256 Encryption
