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 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. Portland metro drivers face particular exposure given higher vehicle values and infrastructure repair costs when accidents involve guardrails, utility poles, or TriMet transit equipment.

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. 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.