Car insurance in Oregon
Oregon is an at-fault state with a minimum liability requirement of 25/50/20. Here's what that means, what it costs, and what to check before you buy.
What the minimums actually mean
$25,000 per injured person, $50,000 total per accident for injuries, and $20,000 for property damage, plus a mandatory no-fault Personal Injury Protection (PIP) benefit of $15,000 that pays your own medical costs regardless of fault. Oregon is often mistakenly called a no-fault state - it's actually a standard at-fault tort state with a required PIP add-on.
UM coverage must match your bodily-injury liability limits by statute, unless you sign a written election for lower limits (never below the 25/50 statutory floor); UIM is bundled into the same requirement.
Estimated cost
$841 a year for minimum coverage, $2,121 for full coverage2
Average annual premiums in Oregon for a 40-year-old with a clean record and good credit, driving a 2023 Toyota Camry. Full coverage here means 100/300/50 liability plus collision and comprehensive.
Why this is an average, not a quote
SR-22 & high-risk filings
Typically triggered by a DUII conviction, driving uninsured, an at-fault accident without insurance, or reckless driving.
Local conditions worth knowing
Oregon has one of the highest deer/elk collision rates on the West Coast, plus frequent rain, occasional ice storms, and heavy I-5/I-84 corridor congestion around Portland.
Frequently asked
- What is the minimum car insurance requirement in Oregon?
- Oregon requires liability limits of at least 25/50/20. $25,000 per injured person, $50,000 total per accident for injuries, and $20,000 for property damage, plus a mandatory no-fault Personal Injury Protection (PIP) benefit of $15,000 that pays your own medical costs regardless of fault. Oregon is often mistakenly called a no-fault state - it's actually a standard at-fault tort state with a required PIP add-on.
- Is Oregon an at-fault or no-fault state?
- Oregon is an at-fault state for car insurance claims.
- Do I need an SR-22 in Oregon?
- Typically triggered by a DUII conviction, driving uninsured, an at-fault accident without insurance, or reckless driving.
- Is uninsured motorist coverage required in Oregon?
- UM coverage must match your bodily-injury liability limits by statute, unless you sign a written election for lower limits (never below the 25/50 statutory floor); UIM is bundled into the same requirement.
Sources
- MoneyGeek, Minimum car insurance requirements by state, October 1, 2026.
- Bankrate, using Quadrant Information Services rates (November 2025), Average cost of car insurance, updated June 5, 2026.
Figures checked against these sources on October 2, 2026.
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