Oregon drivers are required to carry both liability and personal injury protection (PIP) to operate a vehicle legally. The state follows a hybrid model that combines at-fault and no-fault features. Here’s a fresh look at Oregon’s insurance laws and minimum requirements for 2025.
Mandatory Minimum Insurance Coverage
To comply with Oregon law, your policy must include at least:
- 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 Coverage: $25,000 per person / $50,000 per accident
Oregon’s requirements go beyond basic liability, offering more comprehensive protections.
Understanding Oregon’s PIP Requirement
Oregon mandates Personal Injury Protection (PIP) as part of every policy. This covers your medical bills and related costs regardless of fault, including lost wages and essential services.
Additional Coverage Options
For greater financial protection, many Oregon drivers add these to their policies:
- Collision and Comprehensive Coverage
- Underinsured Motorist Coverage
- Rental Car and Emergency Roadside Assistance
These optional protections help cover damage to your car and out-of-pocket expenses after an accident.
Penalties for Driving Without Insurance
If you’re caught driving uninsured in Oregon, you could face:
- Fines of $130 to $1,000
- Suspension of your license and vehicle registration
- Mandatory SR‑22 filing for three years
- Possible vehicle impoundment
Oregon takes uninsured driving seriously and maintains a database to monitor coverage status.
How Insurance Is Monitored
Oregon uses an electronic verification system to track whether registered vehicles have active insurance. If your insurer notifies the state of a lapse, you may receive a warning letter or be required to file an SR‑22.
Frequently Asked Questions about Oregon Car Insurance
What are Oregon’s minimum car insurance requirements in 2025?
Oregon requires at least $25,000 in bodily injury liability per person, $50,000 per accident, $20,000 in property damage, $15,000 in Personal Injury Protection (PIP), and uninsured motorist coverage of $25,000/$50,000.
Does Oregon verify car insurance electronically?
Yes. Oregon uses an electronic insurance verification system that checks active policies with insurers, particularly during registration and traffic violations.
What are the penalties for driving without insurance in Oregon?
Driving uninsured can result in fines up to $1,000, license and registration suspension, and a requirement to file an SR-22 for three years.
Can Oregon suspend your registration for not having insurance?
Yes. The DMV can suspend your registration and license if your vehicle is found to be uninsured, even without a crash or citation.
Compare Oregon’s auto insurance laws to nearby states:
Washington,
California,
Idaho, and
Nevada.