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Oregon Car Insurance
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Common questions about Oregon auto insurance
Need car insurance in Oregon? Whether you live in Portland, Eugene, or Salem, Liberty Mutual 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.1
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 insurance” 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
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 $1,3252 in 2021 according to thezebra.com. That's 13% 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 bare minimum coverage, while others prefer the comfort and security of more protection. Liberty Mutual customizes your Oregon auto insurance, so you only pay for what you need.
What Oregon car insurance coverage is right for you?
All Oregon drivers must have the state minimum auto insurance coverages. But, based on your budget and needs, you may want to consider higher limits for more protection. We'll help you customize your Oregon car insurance to get the coverage that fits you. See all of our auto coverage options.
What's the best car insurance in Oregon?
Liberty Mutual knows that everyone has different needs for their Oregon auto insurance. Some may want the cheapest Oregon car insurance, while others want more coverage and an auto insurance company they know they can trust. We can help you customize your Oregon car insurance, so you only pay for what you need.
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. Beyond cost, you should also make sure the company you pick is reliable in case you're in an accident.
A Liberty Mutual auto insurance policy can cost less than you think.3
- $817 lower than GEICO
- $731 lower than Progressive
- $839 lower than State Farm
- $758 lower than Allstate