Oregon Car Insurance Requirements

Minimum Coverage Requirements

Oregon requires drivers to carry minimum liability insurance of 25/50/20 — meaning $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $20,000 for property damage. Personal Injury Protection (PIP) is also required, covering medical expenses regardless of fault.

Average Car Insurance Costs in Oregon

Drivers in Oregon typically pay approximately $1,380 per year ($115/month) for car insurance, based on 2026 industry average data.

Car Insurance Rates by City in Oregon

State Regulations and Key Rules

Oregon is a no-fault state requiring PIP of $15,000. Uninsured motorist coverage is also required. Oregon uses a modified comparative fault rule (51% bar).

What Makes Oregon Unique

Oregon's PIP requirement provides $15,000 in medical coverage regardless of fault. The state's rainy climate increases accident frequency, particularly during autumn and winter months.

Uninsured Drivers in Oregon

Approximately 10.9% of drivers in Oregon are estimated to be uninsured.

Risk Factors Specific to Oregon

Portland and the Willamette Valley see heavy rainfall from fall through spring, increasing hydroplaning and accident risk. Mt. Hood and Cascade passes present serious winter driving hazards. Eastern Oregon sees ice and snow on high-desert highways.

What Oregon’s Minimum Actually Covers

Oregon’s minimum is 25/50/20: $25,000 per injured person, $50,000 total per accident for injuries, and $20,000 for property damage. With new vehicles averaging roughly $50,000, the $20,000 property damage limit would leave about $30,000 unpaid if you totaled an average new car — and that gap becomes your personal debt.

No-Fault, PIP, and Required Add-Ons in Oregon

Oregon is an at-fault state, meaning the driver who caused the crash (through their insurer) pays for the other party’s injuries and damage — but it also requires $15,000 of PIP, which pays your own medical costs regardless of fault. Oregon also requires uninsured motorist coverage, which pays when the at-fault driver has no insurance or too little.

How Oregon Compares: Uninsured Drivers and Price

An estimated 10.9% of Oregon drivers are uninsured — roughly 1 in 9 — a middle-of-the-pack uninsured rate.

Our average premium estimate of $1,380 a year puts Oregon below the national middle in our 50-state estimates (median $1,395).

How to Save on Car Insurance in Oregon

Portland rates are above the state average due to congestion, theft, and higher repair costs. Oregon's rainy season (October–April) increases accident risk — adjusting driving habits and maintaining adequate collision coverage is advisable. Bundling home and auto is effective with major carriers in the state.

• Oregon's minimum liability requirement of 25/50/20 is the legal floor, not a safe target — since Oregon already requires PIP coverage, review whether that limit alone would cover a serious injury claim.
• With an estimated 10.9% of Oregon drivers uninsured, carrying uninsured/underinsured motorist coverage above the state minimum is one of the highest-value add-ons you can buy.

Frequently Asked Questions

What is the minimum car insurance in Oregon?

25/50/20: $25,000 of bodily injury liability per person, $50,000 per accident, and $20,000 of property damage liability.

Is Oregon a no-fault state?

No. Oregon is an at-fault state, so the driver who causes an accident is responsible for the resulting injuries and damage, usually through their liability insurance.

Is uninsured motorist coverage required in Oregon?

Yes. Oregon requires uninsured motorist coverage.

How many drivers are uninsured in Oregon?

An estimated 10.9% of Oregon drivers are uninsured, roughly 1 in 9.

The information on this page is provided for general informational purposes only and reflects estimated industry averages and state requirements as of 2026. Insurance regulations and rates change periodically; always verify current requirements with your state's department of insurance or a licensed insurance professional before making coverage decisions. City-level and statewide premiums shown are approximations — individual rates will vary based on personal factors.