Car Insurance in Oregon
Oregon requires 25/50/20 in liability coverage plus $15,000 in personal injury protection (PIP) and uninsured/underinsured motorist coverage at 25/50. Although Oregon is an at-fault state, the required PIP pays your own medical expenses after a crash regardless of fault.
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Oregon at a glance
Data as of 2023Average cost
$1,170/yr
≈ $98/mo
vs U.S. average
-9%
below the national avg of $1,282/yr
Required minimums
25/50/20
+ $15K PIP
Source: NAIC (2023). Annual average expenditure per insured vehicle.
Oregon requires 25/50/20 in liability coverage plus $15,000 in personal injury protection (PIP) and uninsured/underinsured motorist coverage at 25/50. Although Oregon is an at-fault state, the required PIP pays your own medical expenses after a crash regardless of fault.
Oregon’s combination of mandatory PIP plus uninsured motorist coverage offers stronger built-in protection than most at-fault states. Comparing quotes is the best way to meet every requirement affordably.
Oregon minimum car insurance requirements
Oregon requires $25,000 of bodily injury liability per person, $50,000 per accident, $20,000 in property damage liability, $15,000 in PIP, and uninsured/underinsured motorist coverage at 25/50.
Oregon requires $15,000 in PIP (medical) and uninsured/underinsured motorist coverage at 25/50.
How much does car insurance cost in Oregon?
The average driver in Oregon pays $1,170 per year for auto insurance — that's 9% below the U.S. national average of $1,282/yr. Lower-than-average rates often reflect lower traffic density, fewer claims per insured vehicle, or less stringent coverage requirements.
Oregon vs the national average
9% below the national average of $1,282/yr.
Source: NAIC (2023). Annual average expenditure per insured vehicle.
How Oregon premiums have changed since 2019
Auto insurance costs in Oregon have risen 18% over the past five years. The 2022–2023 jump mirrors a national trend: rising repair costs (vehicle complexity and parts inflation), more frequent severe accidents, and higher litigation costs pushed premiums up faster than overall inflation.
5-year trend: Oregon vs national average
Oregon is up 18% from $990 in 2019 to $1,170 in 2023.
Source: NAIC Auto Insurance Database Report (2022/2023), Table 4 — Average Expenditure.
Types of car insurance coverage
A Oregon policy is built from a few core coverages. Liability is required; the rest are optional but often worth it.
| Coverage | What it covers | Required? |
|---|---|---|
| Liability | Injuries and property damage you cause to others | Required (state minimum) |
| Collision | Repairs to your own car after a crash | Optional* |
| Comprehensive | Theft, fire, weather, vandalism, animal strikes | Optional* |
| Uninsured motorist | Your costs if the at-fault driver has no insurance | Varies by state |
*Collision and comprehensive are usually required by your lender if you lease or finance your vehicle.
Driving without car insurance in Oregon
Driving uninsured in Oregon can be costly. Penalties typically include fines, suspension of your license and registration, and reinstatement fees. If you cause an accident while uninsured, you can also be held personally responsible for the other party's injuries and damage. You may also be required to file an SR-22 certificate to reinstate your license.
How to find cheaper car insurance in Oregon
Rates for the same driver can vary widely between insurers in Oregon, so comparing several quotes is the most effective way to save. A few other ways to lower your premium:
- Raise your deductible if you can cover it in a claim
- Ask about every discount you qualify for
- Keep a clean driving record and good credit (where the state allows it as a rating factor)
- Reconsider collision and comprehensive on an older vehicle
For more, see our guides on how to lower your premium and what affects your rate.
Coverage requirements last verified May 29, 2026. Always confirm current minimums with your state’s Department of Insurance.
Oregon car insurance FAQs
Common questions about auto insurance in Oregon
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