Oregon car insurance requirements
Every driver in Oregon must carry at least this coverage. It’s an at-fault state: the driver who causes a crash is responsible for the damage.
| Coverage | Minimum required |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $20,000 per accident |
| Personal injury protection (PIP) | $15,000 per person |
| Uninsured/underinsured motorist | $25,000 per person / $50,000 per accident |
State minimums protect other people, not you or your car. Most drivers choose higher limits, plus collision and comprehensive if their car is financed or worth repairing.
What Oregon drivers should know
- Oregon requires at least 25/50/20 liability coverage, plus the other coverages in the table. Those limits are low compared with today’s medical and repair costs, so most drivers choose more.
- Oregon is an at-fault state that also requires PIP, so your own policy pays medical bills quickly after a crash.
Home insurance in Oregon
- Wildfire risk is growing, especially east of the Cascades, and some insurers limit coverage in high-risk areas.
- Earthquakes aren’t covered by standard home insurance — earthquake coverage is added separately.
Ways to save in Oregon
- Compare several companies. Prices for the same driver and home can vary widely between insurers — comparing is the fastest way to find a better rate.
- Bundle auto and home. Many insurers discount both policies when you buy them together.
- Raise your deductibles if you could comfortably pay more out of pocket after a claim.
- Ask about discounts for safe driving, paying in full, home security devices and newer roofs.