Oregon Auto Insurance Requirements & Rates Guide

Covers medical expenses, lost wages, and legal costs when you injure someone in an at-fault accident. Oregon's minimum $25,000 per-person limit can be exhausted quickly in serious injury claims—a single emergency room visit and ambulance transport can exceed $15,000. Oregon's average bodily injury claim payout is significantly higher than the state minimum, making higher limits a practical necessity for most drivers.

Pays for damage to another person's vehicle or property when you cause an accident. The $20,000 minimum may not cover a totaled newer vehicle—the average new car transaction price in Oregon exceeds $45,000. Portland metro drivers face particular exposure given higher vehicle values and infrastructure repair costs when accidents involve guardrails, utility poles, or TriMet transit equipment.

Oregon is one of few states requiring PIP, which covers your medical bills, lost wages, and essential services regardless of fault—up to $15,000 per person. Drivers can reject this coverage in writing, but doing so means relying entirely on health insurance or the at-fault driver's liability coverage after an accident. Oregon law requires insurers to offer PIP first; rejection must be explicit and documented.

Protects you when hit by a driver with no insurance or insufficient coverage to pay your claim. Approximately 12.5% of Oregon drivers operate without insurance despite state requirements, concentrated in rural counties with less enforcement. You can reject this coverage in writing, but given Oregon's uninsured rate and the frequency of hit-and-run incidents in Portland and Eugene, most advisors recommend keeping it.

Collision covers damage to your vehicle in an accident regardless of fault; comprehensive covers theft, vandalism, weather damage, and animal strikes. Neither is state-required, but lenders mandate both for financed or leased vehicles. Oregon's high rate of catalytic converter theft—particularly in the Portland metro area targeting Toyota Prius and Honda Element models—makes comprehensive coverage especially relevant for owners of frequently targeted vehicles.

Meets Oregon's 25/50/20 liability requirement plus mandated PIP and UM/UIM unless rejected in writing. Provides no coverage for your own vehicle damage.

Raises liability to 100/300/100, maintains required PIP and UM/UIM, and adds collision with $500–$1,000 deductible. Suitable for drivers with paid-off vehicles of moderate value.

Includes 250/500/100 liability, comprehensive and collision with lower deductibles, and enhanced UM/UIM. Required by lenders and recommended for drivers with newer vehicles or significant assets.

Covers injuries and property damage you cause to others in at-fault accidents. Oregon's 25/50/20 minimum is often insufficient for serious crashes—raising to 100/300/100 costs $20–$40 more monthly but protects personal assets from lawsuits.

Bundles liability, collision, comprehensive, and uninsured motorist coverage for complete protection. Lenders require this for financed vehicles, and it makes financial sense for any car worth more than $5,000.

Pays for non-collision damage including theft, vandalism, hail, flood, fire, and animal strikes. Covers your vehicle when collision coverage doesn't apply.

Repairs or replaces your vehicle after an accident regardless of who caused it. Pays the actual cash value minus your deductible, typically $500–$1,000.

Covers your injuries and vehicle damage when an at-fault driver has no insurance or flees the scene. Oregon requires you to either purchase this coverage or reject it in writing.

Not a separate coverage type but a certificate proving you carry state-required insurance, filed by your insurer with Oregon DMV. Required after DUI, multiple violations, or driving uninsured.