Oregon Auto Insurance Requirements

In the state of Oregon, you, as a motor vehicle operator, are held responsible financially for any damage and/or injuries that result from an auto accident in which you are at fault. For this reason, Oregon requires all drivers to carry liability insurance with minimum levels of 25/50/10 (see the chart below).

However, since there are millions of dollars in damages each year cause by uninsured drivers, Oregon has made it mandatory for all drivers to carry uninsured/underinsured motorist coverage on their policy with minimum levels of 5/50 (see the chart below). This will help to cover your expenses in the unfortunate event that you were struck by an uninsured or underinsured motorist.

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Finally, Oregon required that you have personal injury protection (PIP) in the amount of $15,000. This coverage will help to cover expenses for you and your passengers, no matter whose fault the accident was. PIP in Oregon covers medical expenses, loss of wages, and even child care.

For even more protection, Oregon drivers may choose collision and /or comprehensive add-ons to compliment their auto insurance policy.

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Auto Insurance for Leased Vehicles in Oregon (OR)

Most leasing companies in Oregon typically require drivers to maintain insurance coverage which exceeds the minimums set by Oregon state law. This is to protect you financially, as well as your leasing company, should they be held partly responsible. Most leasing companies will recommend the following amounts of insurance coverage:

• Bodily injury liability coverage: $100,000 per person/$300,000 per accident
• Property damage liability coverage: $50,000
• Comprehensive and collision coverage: $500 maximum deductible

Special Auto Insurance Considerations for Drivers in Oregon by City

• Portland
• Salem

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Last Updated: August 19, 2010