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Car Insurance Oregon

Car Insurance Oregon

With Car Insurance in Oregon Lives are Saved

Oregon, like it’s people, has an incredible personality. As the only state where the flag is different on each side, Oregon has natural beauty, a playful personality, and is a lot of fun. It also has the largest number of ghost towns in the nations. When it comes to scary things though, you can breathe easy when it comes to car insurance in Oregon. We offer free quotes and can help you find the cheapest insurance you can get. The best car insurance rates in the Beaver State is right here! Learning about what you need and what if offered above and beyond that is an important part of your insurance plans meeting all of your needs.

Minimum Limits for Car Insurance in Oregon

Liability coverage, personal injury protection (PIP), and uninsured motorist coverage are all required by law for cars registered in Oregon. Driving without these things is illegal. If you are just moving to Oregon, you only have thirty days to title and register your vehicle. In order to do this, you must provide proof of insurance.

The minimum limits of liability required by law for car insurance in Oregon are as follows:

  • $25,000 for bodily injury per person and $50,000 for bodily injury to others per accident
  • $20,000 for property damage per accident.

Liability insurance is necessary to help cover the costs to other people or to property in an accident that you cause. It does pay for your expenses (when you are injured or your property damaged), but the expenses of other drivers involved in the accident.

Car Insurance Oregon

In addition, personal injury protection (PIP) must also be included in your auto insurance policy. This coverage helps pay for your medical costs that come from being in an accident. Your car insurance policy must include at least $15,000 of PIP coverage per person on the insurance plan, which means you can rest knowing you are covered for medical costs.

Lastly, having uninsured motorist coverage is required by law. This coverage is protection for both you and your vehicle in situations where you are involved in an accident and the other driver does not have an auto insurance policy. The requirements for this coverage are equal to that of your liability insurance minimums:

  • $25,000 for per person
  • $50,000 for per accident

Your Other Insurance Coverage Options

The required insurance minimums do not always cover the expenses you need to have covered when an accident occurs. One of the big holes in the required minimum is you still need to deal with damage to your car and assets. To protect you, many insurance companies offer different types of coverage beyond the state minimums that you can add to your policy. These can include the following coverages:

Collision: Damage to your vehicle when in an accident with another vehicle or object is covered by collision coverage.

Comprehensive: Damage to your vehicle by sources other than collisions. This includes things like theft, fire, animals, and vandalism.

Guaranteed Auto Protection (GAP): Protection after accidents of the difference between what your car is worth and the amount you owe is called GAP.

Uninsured Motorist Property Damage: Damage to your property caused by an uninsured or underinsured driver is covered by uninsured motorist property damage coverage.

Rental Reimbursement:  Covers costs incurred from renting a car while your vehicle is under repair from an accident.

Personal Injury Protection 

Proof of Insurance


In certain situations, you are required provide proof of insurance. This is required when registering your vehicle and other transactions related to your vehicle. You will also be asked to provide it if you get stopped by the police while driving. 

Car Insurance Oregon

Your proof of insurance can be provided in the following forms:

  • A current insurance card
  • A current liability insurance binder or policy
  • A letter from an insurance agent or company official, on company letterhead, with a signature.
  • A DMV certificate of self-insurance that names the vehicle owner.

Insurance Violations in Oregon

It can be expensive if you choose to drive without insurance in Oregon. Without insurance, you can face fines, a suspension of your license, and your vehicle can even be towed. If you are involved in an accident while uninsured, additional requirements may be added to the minimum requirements listed above.

Other Notable Facts Regarding Oregon Insurance

In Oregon, car insurance companies have the right to cancel an auto insurance policy if they decide a driver is too high of a risk. The reasons they can do so include frequent claims, a poor driving record, bad credit history, and non-payment of a driver’s insurance premium. The insurance company is only required to give you ten days advance notice of this cancellation. 

If your policy is canceled for any other reason, they are required to give 30 day’s notice. 

Regardless of the reason, the notice of cancellation must include the reason your policy was canceled.

Car Insurance Oregon

Final Note

Knowing the rules and regulations, in addition to what to expect, is the best plan when it comes to car insurance in Oregon. We look forward to being there for you through the decision process and are dedicated to getting you the best auto insurance premium while providing the coverage you need. The best deals on your car insurance policy can be found right here, and the quote is free. Make sure you take advantage and contact us today to save money on your new policy! We are looking forward to assisting you. 

Rank City Avg. Annual Premium
1 Gresham $1,944
2 Portland $1,785
3 Aloha $1,652
4 Beaverton $1,644
5 Lake Oswego $1,627
6 Woodburn $1,610
7 Hillsboro $1,602
8 Newberg $1,594
9 Forest Grove $1,583
10 Tualatin $1,582
11 Salem $1,550
12 Keizer $1,541
13 McMinnville $1,529
14 Bend $1,342
15 Springfield $1,334
16 Albany $1,331
17 Grants Pass $1,327
18 Eugene $1,325
19 Medford $1,311
20 Corvallis $1,306
21 Roseburg $1,305