Oregon Car Insurance Requirements (2025)
Unlocking the mysteries of Oregon car insurance requirements: your ultimate roadmap to compliance, protection, and smart decision-making. Explore our comprehensive resource for in-depth insights, expert guidance, common pitfalls to avoid, and ways to save on premiums. Empower yourself with knowledge and secure your driving experience with confidence. Start your insurance journey today!
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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
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 October 2024
Welcome to our comprehensive guide on Oregon car insurance requirements. In this article, we will delve into the essential information every driver needs to know to ensure compliance with the state’s insurance regulations.
We will cover topics such as minimum liability coverage limits, uninsured motorist coverage, personal injury protection, and more. Whether you’re a new driver or a long-time resident of Oregon, understanding these requirements is crucial for protecting yourself and others on the road.
To find the best insurance rates tailored to your needs, enter your ZIP code below and compare quotes from top-rated insurance providers. Don’t miss out on the opportunity to secure the right coverage at the best price.
Required Coverage
All personal vehicles in Oregon require the following liability coverage requirements:
- Bodily Injury
- Property Damage
Additionally, Oregon requires:
- Uninsured / Underinsured Bodily Injury
- Personal Injury Protection
| Minimum Oregon Car Insurance Requirements | |||
|---|---|---|---|
| Bodily Injury Liability | $25,000 / $50,000 Limit | ||
| Property Damage Liability | $20,000 Limit | ||
| Uninsured/Underinsured Bodily Injury | $25,000 / $50,000 Limit | ||
| Personal Injury Protection | $15,000 Limit | ||
Additional insurance coverage can include:
- Comprehensive and Collision Coverage
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. Collision insurance helps pay for costs associated with repairing your vehicle after it’s been in an accident.
Proof of Insurance and Financial Responsibility
Establishing proof of insurance and financial responsibility
- Get a standard liability car insurance policy
- Self insurance – only allowed for auto dealers
Required Documentation
In order to provide proof of insurance, you can provide one of the following:
- Insurance ID Card
- Physical insurance policy or binder
- Letter from your insurance company on their own letterhead outlining your coverage information
- Certificate of self insurance
- Oregon auto dealer license plate
You must maintain proof of insurance and financial responsibility and present it:
- When asked by a police officer
- If randomly selected by the DMV
- When registering your vehicle
- After an accident
- Anytime you are operating a vehicle
Failure to Maintain Financial Responsibility Penalties
If you are unable to show proof of insurance, you can face the following penalties:
- Suspended registration and license
- Vehicle can be towed along with applicable fees
- Fines levied by the court
- Requirement to submit an SR-22 for 3 years
If you are involved in an accident while uninsured, your driver’s license will be suspended for one year and you will be required to submit an SR-22 for the following 3 years.
Oregon Insurance Agents
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Frequently Asked Questions
What is the minimum liability coverage required in Oregon for car insurance?
Oregon requires a minimum liability coverage of 25/50/20 for all personal vehicles.
What additional coverage is required in Oregon for car insurance?
In addition to liability coverage, Oregon also requires uninsured motorist coverage and personal injury protection.
What is the tort system in Oregon auto insurance law?
Oregon operates under a tort system, which means that the driver found at fault will be held responsible for paying financial damages for causing an accident.
What are some additional insurance coverage options in Oregon?
Comprehensive insurance and collision insurance are optional coverage options that can protect you from non-collision related incidents such as theft, fire, or damage to your vehicle after an accident.
What documentation is required to provide proof of insurance in Oregon?
To provide proof of insurance, you can provide either an insurance ID card, electronic proof of insurance, or a certificate of self-insurance.
What are the penalties for failing to maintain financial responsibility in Oregon?
Failure to maintain proof of insurance can lead to fines, suspension of your driving privileges, and the requirement to file an SR-22. If you are involved in an accident while uninsured, your driver’s license will be suspended for one year and you will be required to submit an SR-22 for the following 3 years.
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