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Oregon car insurance

Oregon Auto Insurance Minimums, Laws and Requirements

Each state requires registered drivers to carry a certain amount of Minimum Liability Coverage auto insurance.

Oregon mandates all drivers in a household to be covered by liability insurance and have proof of insurance in the vehicle with them at all times. Anyone caught driving without auto insurance faces a Class “A” misdemeanor, fines, and up to one year in jail.

Drivers must submit proof of insurance before they can register their vehicle.

Oregon Minimum Liability Coverage
Each state sets its own minimum liability amounts. In Oregon they are as follows:

  • Bodily Injury for One Person: $25,000
  • Bodily Injury for All Injuries: $50,000
  • Property Damage: $10,000
  • Personal Injury Protection: $15,000

Oregon Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry Uninsured/Underinsured (UM/UIM) motorist coverage. This protects a driver in case they are involved in an accident and the other person is not adequately covered by an auto insurance policy.

Oregon requires everyone to carry minimum UM/UIM coverage of $25,000 per person and $50,000 per accident.

No Fault Insurance
In Oregon, you are not required to carry no-fault insurance. Oregon is a Tort state meaning that the driver at fault must pay a victim’s medical expenses. Further, the victim can also pursue compensation for additional lost wages as well as pain and suffering.