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Last updated: December 18, 2015 at 16:08 pm

Car Insurance Coverage in Oregon


Oregon Cost Averages Per Driver

Approximate average for car insurance premiums in Oregon $1,213.27
Approximate average for car insurance premium U.S. $1,446.49


Average premiums in Oregon cities
Portland $1,518.19
Eugene $1,168.64

Uninsured or underinsured Motorist in Oregon

An uninsured motorist is someone who drives a vehicle without having an auto insurance policy. An underinsured motorist is someone who does not have a sufficient amount of insurance to cover what they are responsible for in an accident.

Being the victim of either an uninsured or underinsured motorist could leave you paying out of pocket to cover vehicle damage or bodily injury costs.

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Insurantly will connect you with an auto insurance agent after you entered your local Oregon zip code. Explore your options now and find a great rate and coverage that fits your needs. 

Coverage Rrequirements

Oregon requires the following minimum coverage:

Bodily Injury Liability: $25,000/$50,000 Limit
Property Damage Liability: $20,000 Limit
Uninsured/Underinsured Motorist Bodily Injury: $25,000/$50,000 Limit
Personal Injury Protection: $15,000 Limit

Important note: Avoid fines and penalties by getting properly covered.  If you need coverage consider levels of liability insurance.

How much UM & UIM Coverage should you get?

Fortunately, the state of Oregon requires that all car insurance coverage policies include uninsured motorist protection.

The amounts required are $25,000 for each person with a total of $50,000 for each accident. This coverage could come in handy for drivers who encounter one of the 11% of uninsured drivers in the state of Oregon.

Determining at Fault for an Auto Accident

Oregon operates under a Tort system. It is also called an at fault state. At fault states take the burden off of lawyers to determine who is responsible for accident damages.

Law enforcement investigates each accident, determines the driver who caused it, and that driver is considered to be at fault for the incident.

At fault drivers should expect to be the responsible party when it comes to paying for damages caused in the wreck.

Injured in a Car or truck accident in Oregon?


You could get a large settlement:

  • The driver responsible has car insurance
  • He/she was negligent or at fault
  • You are still within your state’s limitations (typically 2 years)

 Do you have a case? Calculate your settlement For free.

Call toll Free: for serious accident injuries and speak with a Oregon personal injury firm specializing in serious accident cases . 3 minutes to find out if you have a case!

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Full Coverage

Learn more about full coverage car insurance and if it is right for you.

Liability Car Insurance

Learn more about liability insurance coverage. Get a liability car insurance quote in Oregon.

High risk car insurance

Are you paying high rates due to your bad driving record in Oregon? DUIs, accidents, filing claims, poor credit, and multiple tickets are examples of what can put you into the high risk category. Learn more here.

Oregon drivers may get lower rates for:
  • Insuring more than one car and or combining your home insurance
  • Buying cars with anti-theft devices, anti-lock brakes, or automatic seat belts.
  • Making sure your teenagers who drive take a driver education course
  • Making sure your teenagers who drive get good grades.
  • Maintaining a good credit score.
  • If you are over 55, taking a defensive driving course.  And most importantly, making sure you pay your premiums on time and you don’t get any tickets or get involved in any crashes

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