Minimum Car Insurance in Oregon
The liability limits Oregon requires, whether it is a no-fault state, and whether uninsured motorist or PIP coverage is required.
Short answer: Oregon's minimum liability limits are 25/50/20: $25,000 for bodily injury to or death of one person, $50,000 for bodily injury to or death of two or more people in one accident, and $20,000 for property damage. Or. Rev. Stat. §§ 806.060, 806.070, 742.502, 742.520, 742.524
| Minimum coverage required | Oregon's minimum liability limits are 25/50/20: $25,000 for bodily injury to or death of one person, $50,000 for bodily injury to or death of two or more people in one accident, and $20,000 for property damage. Policies must also include personal injury protection (PIP), with up to $15,000 per person for medical and related expenses, and uninsured/underinsured motorist coverage. Financial responsibility can also be met through self-insurance certified by DMV. PIP and UM statutes: https://www.oregonlegislature.gov/bills_laws/ors/ors742.html |
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| At-fault or no-fault | Oregon uses the at-fault (tort) system, with personal injury protection (PIP) available or required. The Alabama Department of Insurance's national table of state auto insurance laws lists Oregon among the "Tort States Where Personal Injury Protection is Available/Required." Every Oregon auto liability policy must include personal injury protection (PIP) benefits, which pay reasonable medical and related expenses incurred within two years of the injury up to $15,000 per person, plus 70% of lost income if disability lasts at least 14 days, and other listed benefits. National table: https://aldoi.gov/consumers/StateAutoLaws.aspx |
| Uninsured motorist coverage | Required. Every auto liability policy must include uninsured motorist coverage, with the same limits as the bodily injury liability coverage unless a named insured elects lower limits in writing; limits cannot go below the state minimum ($25,000/$50,000). Uninsured motorist coverage must include underinsured coverage. Source: Or. Rev. Stat. § 742.502 |
More Oregon car insurance & vehicle laws
- Driving Without Insurance in Oregon
- SR-22 Insurance in Oregon
- When a Car Is a Total Loss in Oregon
- Transferring a Car Title in Oregon
- All Oregon car insurance & vehicle laws rules
FAQ
What is the minimum car insurance required in Oregon?
Oregon's minimum liability limits are 25/50/20: $25,000 for bodily injury to or death of one person, $50,000 for bodily injury to or death of two or more people in one accident, and $20,000 for property damage. Policies must also include personal injury protection (PIP), with up to $15,000 per person for medical and related expenses, and uninsured/underinsured motorist coverage. Financial responsibility can also be met through self-insurance certified by DMV.
Is Oregon a no-fault car insurance state?
Oregon uses the at-fault (tort) system, with personal injury protection (PIP) available or required. The Alabama Department of Insurance's national table of state auto insurance laws lists Oregon among the "Tort States Where Personal Injury Protection is Available/Required." Every Oregon auto liability policy must include personal injury protection (PIP) benefits, which pay reasonable medical and related expenses incurred within two years of the injury up to $15,000 per person, plus 70% of lost income if disability lasts at least 14 days, and other listed benefits.
Is uninsured motorist coverage required in Oregon?
Required. Every auto liability policy must include uninsured motorist coverage, with the same limits as the bodily injury liability coverage unless a named insured elects lower limits in writing; limits cannot go below the state minimum ($25,000/$50,000). Uninsured motorist coverage must include underinsured coverage.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.