Get an Oregon car insurance quote
You could save over $700 on auto insurance when you switch to Liberty Mutual1
Buying auto insurance in Oregon
Oregon auto insurance discounts
Buy your policy online and save. It's that simple.2
Learn more about SavingsConvenience and savings — need we say more? Combine your policies and get a discount.2
Learn about Bundling and Save Discounts and moreGet rewarded for your good driving behavior by saving up to 30% on your policy.3
Save with our safe driver programOregon minimum car insurance requirements (25/50/20)
In Oregon, it's illegal to drive without insurance. Drivers in Oregon are required to have car insurance coverage for
- Bodily Injury to others
- Property Damage Liability
- Personal Injury Protection (PIP)
- Uninsured/Underinsured Motorist Coverage
Here are the minimum auto insurance limits drivers must have in Oregon.4
Coverage type | State requirements |
|---|---|
| Bodily Injury to others Coverage | $25,000 per person and $50,000 per accident |
| Property Damage Liability Coverage | $20,000 per accident |
| Personal Injury Protection (PIP) | $15,000 per person |
| Uninsured/Underinsured Motorist Coverage | $25,000 per person / $50,000 per accident |
Visit the Oregon Division of Financial Regulation to learn more about minimum coverage requirements.
Average cost of car insurance in Oregon, 2026
According to 2026 data, the average cost of “full” coverage car insurance in Oregon is about $1,680 per year.
Drivers in Oregon will often pay more, or less, depending on their coverages, car, age, driving record, and where they live.
What's considered "full coverage" car insurance in Oregon?
"Full coverage" car insurance can mean different things to different people. Legally, in the state of Oregon you're only required to have the state minimums.
However, "full car coverage" or "full coverage" is often thought of as having the state minimums and
- Comprehensive Coverage: helps pay for damages caused by events like hail, fire, or theft
- Collision Coverage: helps cover the cost to fix damage to your car from an accident with another car
For leased or financed cars, most lenders require having Comprehensive and Collision Coverage.
We'll make sure you get the coverage you need in Oregon when you get an online auto insurance quote.
What liability insurance is required in Oregon?
Oregon law requires you to have liability car insurance. This coverage protects others if you cause bodily harm or property damage to them. It's important to know this coverage doesn't cover you, your car, or your personal belongings.
Drivers must have a car insurance policy with the minimum coverages of
- Bodily Injury Liability: $25,000 per person and $50,000 per accident
- Property Damage Liability: $20,000 per accident
- Personal Injury Protection: $15,000 per person
- Uninsured Motorist Coverage: $25,000 per person and $50,000 per accident
Remember, this is only the minimum coverage required by law. You may want to think about increasing your limits for more financial protection. You should also consider other types of coverage that can give you even more protection.
Who offers cheap car insurance in Oregon?
Finding the cheapest car insurance in Oregon may sound great, but a low-cost policy may not pay out when you need it.
A Liberty Mutual auto insurance policy can cost less than you think.5
- $1,121 lower than GEICO
- $997 lower than Progressive
- $1,161 lower than State Farm
- $1,158 lower than Allstate
What to consider when buying auto insurance in Oregon
Oregon requires drivers to carry minimum liability limits of 25/50/20, along with $15,000 in Personal Injury Protection (PIP) and 25/50 Uninsured/Underinsured Motorist coverage. While these limits meet the state's legal requirements, they may not provide enough protection after a serious accident.
Drivers who regularly travel on I-5, through the Portland metro area, or across the Cascades may face heavier traffic, severe weather, and wildlife-related risks. Those who want broader protection may consider higher liability and UM/UIM limits, along with Collision coverage and Comprehensive coverage. If the vehicle is leased or financed, those physical damage coverages are typically required by the lender.
Oregon car insurance FAQs
- Yes. Oregon accepts electronic proof of insurance, so an image or insurer app showing your current policy on a phone or tablet is valid at a traffic stop, after a crash, or when you register a vehicle.
You don't have to keep a paper card in the glovebox. Just make sure the information is current and you can pull it up quickly; if your phone is dead or you can't open it, an officer may treat that the same as having no proof at all. Plenty of drivers still keep a paper copy as a backup for exactly that reason.
- No. Oregon is an at-fault (tort) state, which means the driver who causes a crash is usually responsible for the injuries and damage that result. What sometimes causes confusion is that Oregon requires every policy to include $15,000 in Personal Injury Protection, and PIP pays your own and your passengers' medical bills regardless of who was at fault.
That no-fault-style medical benefit doesn't make Oregon a no-fault state; fault still decides who's ultimately liable for the remaining costs. Oregon also requires uninsured/underinsured motorist coverage, which covers you when an at-fault driver turns out to be uninsured or carrying too little.
- There are several ways Oregon drivers may be able to lower their premiums without giving up coverage they need. Bundling auto with home or renters insurance may qualify you for a Multi-Policy Discount. Eligible drivers may also save up to 30% through RightTrack®.3
Choosing a higher deductible may lower the premium if you can comfortably pay more after a covered claim. Reviewing your coverages and deductibles as your vehicle ages can also help ensure the policy still fits your needs. A new quote can show which discounts and options apply to your situation.
- First, make sure everyone is safe, and call 911 if anyone is injured or the road is blocked. Exchange names, driver's license information, insurance details, and vehicle information with the other driver, then photograph the vehicles, scene, and damage.
You must file an Oregon Traffic Collision and Insurance Report within 72 hours if someone is injured or killed, your vehicle has more than $2,500 in damage, another person's property has more than $2,500 in damage, or a vehicle with more than $2,500 in damage is towed from the scene.
This requirement can apply even if law enforcement responds. You can submit the report through the DMV2U portal. Notify your insurer promptly so it can open a claim and explain how applicable coverages may respond.
- Yes. Oregon's no-pay-no-play law generally limits an uninsured driver's ability to recover non-economic damages after a crash, even when another driver was at fault.
An uninsured driver may still be able to recover economic damages, such as medical expenses, lost wages, and vehicle repairs. Certain statutory exceptions may apply, including some crashes involving an impaired at-fault driver. Because the details depend on the circumstances and current law, drivers should consult an appropriate legal or state resource for guidance.