Oregon Auto Insurance Rates & Minimum Coverage
Oregon requires 25/50/20 liability coverage and is an at-fault state.
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Oregon at a Glance
25/50/20
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
PIP and Uninsured motorist coverage must be on every policy
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Oregon operates under a tort-based liability system, meaning at-fault drivers are financially responsible for damages they cause. All drivers must carry proof of insurance at all times — officers can verify coverage electronically through the state's Insurance Verification System. Oregon also mandates personal injury protection (PIP), making it one of a minority of states requiring first-party medical coverage regardless of fault, according to the Oregon Department of Transportation.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
Uninsured Motorist Coverage
Cost Overview
$78–$95/mo
Typical monthly rate in Oregon, minimum-coverage policies
Rate data: NerdWallet, ValuePenguin and Insurify, 2026
What Affects Your Rate
- Coastal counties face higher comprehensive premiums due to storm damage and flooding risk, particularly in Tillamook and Clatsop counties where saltwater corrosion accelerates vehicle deterioration.
Find the Lowest Rate That Still Protects You
Find Your Lowest RateCoverage Types
Liability Insurance
Oregon's 25/50/20 minimum protects other people but leaves you exposed in serious accidents. A single moderate injury claim can exceed $25,000, making you personally liable for the difference.
Full Coverage
Combines liability, collision, and comprehensive to protect your vehicle and legal exposure. Only financially rational for vehicles worth more than $4,000 or when required by lenders.
Uninsured Motorist Coverage
Covers your injuries and vehicle damage when hit by a driver with no insurance or insufficient coverage. Oregon requires insurers to offer it, but you can reject it in writing to reduce premiums.
Collision Coverage
Pays to repair your vehicle after at-fault accidents, minus your deductible. Not required by Oregon law unless you're financing or leasing.
Comprehensive Coverage
Covers theft, vandalism, weather damage, and animal strikes. Not required by Oregon unless you're financing your vehicle.
SR-22 Insurance
A certificate proving you carry state-minimum coverage, required after DUI, reckless driving, or driving uninsured. The SR-22 filing itself costs $15–$25, but underlying violations double or triple your premiums for three years.