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State Minimum Auto Insurance Requirements in Oregon
In Oregon, it is illegal to drive without liability coverage. The minimum insurance a driver must have includes:
Bodily Injury and Property Damage Liability:
$25,000 per person for bodily injury.
$50,000 per crash for bodily injury to others.
$20,000 per crash for damage to others’ property.
Personal Injury Protection (PIP):
$15,000 per person for medical expenses resulting from injuries sustained in an accident.
Uninsured Motorist Coverage:
$25,000 per person and $50,000 per crash for bodily injury caused by an uninsured driver.
Remember to provide your insurance policy number when registering a vehicle or purchasing a light vehicle trip permit. Some exemptions exist, so check ORS 806.020 for details123.
For personalized assistance, consider reaching out to local insurance agents in Oregon:
Ryan Walker - State Farm Insurance Agent
Address: 822 SE 3rd St, Bend, OR 97702
Phone: (541) 640-8080
AIC Insurance Agency, Kerry Holloway Agent
Address: 2801 NE 3rd St, Prineville, OR 97754
Phone: (541) 548-8215
PRL Insurance
Address: 14150 SE Stark St, Portland, OR 97233
Phone: (503) 255-3299
Connie C Burns Agency Inc - American Family Insurance
Address: 61396 S Highway 97 Ste 202, Bend, OR 97702
Phone: (541) 312-3000
If you are a driver in Oregon, you need to be aware of the state minimum auto insurance requirements and the laws that govern them. In this blog post, we will explain what types of policies are available, how much coverage you need, and how to find the best rates in your area.
Oregon is one of the few states that requires drivers to carry not only liability insurance, but also personal injury protection (PIP) and uninsured/underinsured motorist (UM/UIM) coverage. These coverages are designed to protect you and your passengers from medical expenses, lost wages, and other damages in case of an accident, regardless of who is at fault.
Liability insurance pays for the injuries and property damage that you cause to others in an accident that you are responsible for. The minimum liability limits in Oregon are:
- $25,000 for bodily injury or death of one person
- $50,000 for bodily injury or death of two or more people
- $20,000 for property damage
These limits are per accident, not per person. This means that if you cause an accident that injures four people and damages two cars, your liability insurance will pay up to $50,000 for all the injuries and up to $20,000 for all the property damage. If the total damages exceed your limits, you will be personally liable for the difference.
Personal injury protection (PIP) pays for your own medical expenses and lost income after an accident, regardless of who is at fault. PIP also covers your passengers and any pedestrians or cyclists that you injure in an accident. The minimum PIP limit in Oregon is $15,000 per person.
Uninsured/underinsured motorist (UM/UIM) coverage pays for your injuries and damages caused by a driver who has no insurance or not enough insurance to cover your losses. UM/UIM also covers hit-and-run accidents and accidents involving phantom vehicles (vehicles that cause an accident but do not make contact with your car). The minimum UM/UIM limits in Oregon are:
- $25,000 for bodily injury or death of one person
- $50,000 for bodily injury or death of two or more people
These limits are per accident, not per person. This means that if you are injured by an uninsured or underinsured driver who causes an accident that injures four people and damages two cars, your UM/UIM coverage will pay up to $50,000 for all the injuries and up to the value of your car for the property damage.
It is important to note that these are the minimum requirements set by the state of Oregon. You can always choose to purchase higher limits or additional coverages to protect yourself and your assets better. For example, you can add collision and comprehensive coverage to pay for repairs or replacement of your own car in case of an accident or other events such as theft, fire, vandalism, or natural disasters.
The cost of auto insurance in Oregon depends on many factors such as your age, driving record, credit score, vehicle type, location, mileage, and discounts. The average annual premium in Oregon is $1,346, which is slightly higher than the national average of $1,311. However, you can find cheaper rates by comparing quotes from different insurers and choosing the best policy for your needs and budget.
To help you find the best auto insurance rates in Oregon, we have compiled a list of local insurers that offer competitive prices and quality service. You can use our online tool to get free quotes from these companies and compare them side by side. Just enter your zip code and some basic information about yourself and your vehicle, and you will see how much you can save on auto insurance in Oregon.
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