Oregon Car Insurance Requirements (Updated for 2025)

Oregon law mandates that all drivers maintain specific minimum car insurance coverage. Failure to comply can result in fines, suspension of driving privileges, and other penalties. It’s essential to understand these requirements to ensure you’re adequately protected and compliant with state laws.

📋 Minimum Required Coverage

As of 2025, the minimum required liability insurance limits in Oregon are:

• Bodily Injury Liability: $25,000 per person / $50,000 per accident
• Property Damage Liability: $20,000 per accident
• Personal Injury Protection (PIP): $15,000 per person
• Uninsured Motorist Bodily Injury (UMBI): $25,000 per person / $50,000 per accident

Note: Oregon is an at-fault state, meaning the at-fault driver is responsible for damages. Personal Injury Protection (PIP) is required in Oregon and covers medical expenses, lost wages, and other benefits regardless of fault.

📄 Proof of Insurance

Drivers must carry proof of insurance and present it upon request by law enforcement or during vehicle registration. This proof can be a physical card or an electronic version on a mobile device.

🚫 Penalties for Driving Without Insurance

Penalties for driving without insurance in Oregon are as follows:

• First Offense: Fine up to $1,000, license and registration suspension, possible vehicle impoundment, and a $75 reinstatement fee.
• Repeat Offenses: Increased fines, extended suspension periods, and additional penalties.

Additionally, if you are involved in an accident and do not have insurance, your driving privileges may be suspended until damages are paid and proof of insurance is provided.

🔄 SR-22 Requirement

If your driving privileges are suspended due to lack of insurance, you may be required to file an SR-22 form, which is a certificate of financial responsibility. This form must be maintained for a specified period, typically three years, to reinstate your driving privileges. Failure to maintain SR-22 coverage can result in further penalties and extended suspension periods.

💡 Optional Coverages to Consider

While not required, you may consider the following optional coverages to enhance your protection:

• Collision Coverage: Pays for damages to your vehicle resulting from a collision.
• Comprehensive Coverage: Covers damages to your vehicle from non-collision events, such as theft, vandalism, or natural disasters.
• Medical Payments (MedPay): Helps cover medical expenses for you and your passengers after an accident.
• Rental Reimbursement: Provides coverage for rental car expenses while your vehicle is being repaired.
• Roadside Assistance: Offers services like towing, battery jump-starts, and flat tire changes.

📈 Average Insurance Rates

Insurance premiums can vary based on factors such as driving history, vehicle type, and location. It’s advisable to compare quotes from different insurers to find the best coverage at the most competitive rates.

📌 FAQs

Is Oregon a no-fault state?

No, Oregon is an at-fault state, meaning the at-fault driver is responsible for damages.

What should I do if I can’t afford car insurance?

If you’re unable to afford insurance, consider exploring low-cost insurance programs or seeking assistance from state-sponsored programs that may be available to eligible individuals.