Oregon Minimum Car Insurance Requirements
In Oregon, car insurance is mandatory for all drivers. Oregon has provisions for liability coverage, personal injury protection (PIP) and uninsured and underinsured motorist coverage.
Liability insurance covers only the other car and/or that car’s driver and passengers when you are found at fault for the accident. Your liability insurance minimums for Oregon are:
- $25,000 bodily injury liability per person
- $50,000 bodily injury to two or more people
- $20,000 property damage liability per accident
Personal Injury Protection (PIP) provides coverage for all reasonable and necessary expenses of medical, hospital, dental, surgical, ambulance and prosthetic services incurred within two years after the date of the person's injury, but not more than $15,000 in the aggregate for all such expenses of the person. These benefits may also be used to cover funeral expenses, essential services child care and/or loss of earnings.
Underinsured and uninsured motorist coverage pays medical claims that are the fault of the other driver when they do not have enough liability coverage to provide adequate reimbursement.
- $25,000 bodily injury liability per person
- $50,000 bodily injury per accident to you and your passengers
While minimum car insurance requirements in Oregon are predefined, they are not meant to be a cap on how much coverage you can or should get. You may personally opt for more coverage to protect your financial assets and your vehicle and/or passengers.
If you’re interested in getting a car insurance quote in Oregon, contact your American Family Insurance agent to discuss what type of protection is best for your needs and what discounts may apply in your region.
The information on this webpage represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Coverage features and limits vary by state and may be subject to change. Some products are not available in every state. Discount availability and eligibility vary by state and policy terms. (Discounts apply to auto and property policies.) Please check with your agent and read the policy for exact details on coverages and exclusions.