State guide
Car Insurance in Oregon
Updated August 2026
Oregon asks more of a minimum policy than most at-fault states. Liability limits are 25/50/20 — $25,000 bodily injury per person, $50,000 per accident, and $20,000 property damage — but the mandate doesn't stop there: every policy must also include personal injury protection with a $15,000-per-person medical benefit and uninsured motorist bodily injury coverage of 25/50.
That makes an Oregon minimum policy four coverages deep, which is unusual for a state that isn't no-fault. It also means a minimum-limits legal policy in Oregon does more than one in most states — and that quotes for the same required bundle differ enough between carriers to make comparing worth the few minutes.
| Coverage | Required minimum |
|---|---|
| Bodily injury liability (per person) | $25,000 |
| Bodily injury liability (per accident) | $50,000 |
| Property damage liability | $20,000 |
| PIP / medical | PIP: $15,000 per person (required) |
| Additional requirements | Uninsured motorist bodily injury: $25,000 per person / $50,000 per accident (required) |
| No-fault state | No |
| SR-22 used | Yes |
Source: ORS 806.070 (liability); ORS 742.520–742.524 (PIP); ORS 742.502 (UM); Oregon DMV
Average annual expenditure for auto insurance in Oregon was $1,006 in 2022. (NAIC average expenditure data, via the Insurance Information Institute)
Four required coverages, and what each does
Liability is the outward-facing layer: when you cause a crash, it pays for the other side's injuries and property damage, up to your limits. PIP faces inward — it pays your own medical expenses, up to $15,000 per person, regardless of who caused the accident, so treatment isn't stuck waiting on a fault determination. Uninsured motorist coverage fills the third gap: it stands in for the liability coverage an uninsured at-fault driver should have carried.
Despite the PIP requirement, Oregon remains an at-fault (tort) state. Fault still decides who ultimately pays for vehicle damage and for injuries beyond those first-party layers — PIP is a floor under your own medical bills, not a replacement for the liability system.
SR-22s in Oregon
Oregon uses SR-22 filings after DUII convictions, driving-uninsured violations, and uninsured accidents, among other triggers. Your insurer files the certificate with Oregon DMV, and the DMV suspends driving privileges if a required filing is missing or the underlying policy lapses.
The filing itself is cheap; the premium attached to the underlying violation is the real cost, and it varies widely by carrier. Drivers who need an SR-22 typically see the biggest spreads between quotes of anyone — which makes comparing several carriers the highest-leverage step.
Shopping the Oregon bundle
Because Oregon's minimum policy already includes liability, PIP, and UM, carriers have three dials to price instead of one — and they set them differently. Two carriers quoting the same Portland driver for the identical required bundle can land meaningfully apart, before any optional collision or comprehensive coverage is added. Comparing full quotes side by side, at the limits you actually want, is how that spread becomes visible.
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Frequently asked questions
What car insurance is required in Oregon?+
Liability of at least $25,000 bodily injury per person, $50,000 per accident, and $20,000 property damage (ORS 806.070), plus personal injury protection with a $15,000-per-person medical benefit and uninsured motorist bodily injury coverage of $25,000/$50,000. All are mandatory on every policy.
Is Oregon a no-fault state?+
No. Oregon is an at-fault (tort) state — the at-fault driver's liability coverage pays for the harm they cause. Oregon is unusual in requiring PIP anyway, so your own policy covers your initial medical bills regardless of fault.
Is uninsured motorist coverage required in Oregon?+
Yes. Every Oregon auto policy must include uninsured motorist bodily injury coverage of at least $25,000 per person and $50,000 per accident.
Does Oregon use SR-22s?+
Yes. Oregon DMV requires SR-22 filings after certain suspensions and violations, including DUII and driving uninsured. Your insurer files it electronically, and a lapse in the underlying policy is reported to the DMV.
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