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Auto Insurance Requirements In Oregon

Oregon Auto Insurance 

According to Oregon state law, all motorists applying for vehicle registration are required to have valid vehicle liability insurance. This insurance helps cover the costs of damages or injuries you may have inflicted on others if you are responsible for an accident. You must carry evidence of insurance in your vehicle at all times, and provide it to law enforcement and others involved in an accident with you upon request.  While this is the minimum amount as required by law, drivers are strongly urged to consider higher limits.  It’s also important to note that, while Oregon law does not require you to have collision and comprehensive coverages, you may have to purchase both as part of your car’s finance or lease agreement.

Car Insurance Policy Requirements in the state of  Oregon

Oregon law mandates that every automobile insurance policy sold in the state must have these minimum coverages:

  • Bodily injury and property damage liability
    • $25,000 per person;
    • $50,000 per crash for bodily injury to others; and
    • $20,000 per crash for damage to others’ property.
  • Personal injury protection
    • $15,000 per person.
  • Uninsured motorist
    • $25,000 per person;  and
    • $50,000 per crash for bodily injury.

You must give your insurance policy number every time you register a vehicle, or when you buy a light vehicle trip permit.

Penalties and Violations

The first time you are caught driving without insurance in Oregon, you will incur a fine of $130 – $1,000. If a car continues to be found uninsured, the owner of the car will have their license and registration are suspended, and the vehicle itself might be impounded. The fee is $75 for reinstatement, and further costs might be required to recover a seized vehicle.

In addition, the owner of the car must have an SR-22 form submitted by an insurance company to provide testimony to a bettered financial situation. 

Choosing the insurance that’s actually right for you may seem overwhelming.  It’s important to make sure you’re adhering to the law in whatever state you live.  Don’t go it alone — have one of our friendly, knowledgeable agents help you cut through the nonsense, and get you the security you need while you’re out on the road.  Getting the right insurance is just a few steps away.