Oregon car insurance

View of lush green evergreen trees in Oregon

Common questions about Oregon
auto insurance

Need car insurance in Oregon? Whether you live in Portland, Eugene, or Salem, Liberty Mutual Insurance can help you save on car insurance! From Liability Protection to Comprehensive Coverage, we've got you covered. We'll help you customize your Oregon auto insurance, so you only pay for what you need.

What car insurance is required in Oregon?

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.²

Coverage	Amount
Bodily Injury to others	$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 / $50,000 per accident

Check out the Oregon Department of Motor Vehicles for more details.

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.

What's the average cost of car insurance in Oregon?

The average cost of car insurance in Oregon was $1,880³ in 2024 according to thezebra.com. That's 15% lower than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live, and your driving history.

Some people get the minimum coverage, while others prefer more protection. Liberty Mutual can save you money on Oregon auto insurance with a customized policy, so you only pay for what you need.

See how much you could save on car insurance

Who has the cheapest car insurance in Oregon?

Getting the cheapest car insurance in Oregon may sound great, but that cheap rate can come at a cost when you need it most. You want auto insurance that's affordable, but even more importantly — reliable, in case you have an accident.

A Liberty Mutual auto insurance policy can cost less than you think.⁴