Oregon car insurance: minimums, prices and your estimate
Oregon requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $20,000 of property damage liability (written 25/50/20).
Oregon is an at-fault state, but every policy must include personal injury protection (PIP) and uninsured and underinsured motorist coverage you cannot reject outright. Insurers also cannot use your credit to raise your renewal premium.
- Legal minimum
- 25/50/20 + $15k PIP
- Fault system
- At-fault
- Personal injury protection
- Required, $15,000 minimum
- Uninsured motorist
- Required
- Underinsured motorist
- Required
- Credit-based pricing
- Allowed with limits
- Gender-based pricing
- Allowed
- High-risk proof filing
- SR-22 (1 or 3 years)
What drivers in Oregon can expect to pay
Monthly ranges from our model, anchored to Oregon's position in 7 published price studies from 2025 and 2026 ($2,525 a year for full coverage and $996 for minimum coverage for a standard adult driver; which studies). Suburban ZIP code, mid-size sedan a few years old.
| Driver | Estimated monthly | About per year |
|---|---|---|
| Adult, full coverage35, clean record, 100/300/100, $500 deductibles | $181-$240 | $2,525 |
| Adult, state-minimum coverage35, clean record, only what the law requires | $72-$95 | $996 |
| Young driver, full coverage20, own policy, clean record | $337-$505 | $5,050 |
| Senior, full coverage70, clean record | $173-$230 | $2,424 |
| After one at-fault accident35, full coverage | $272-$360 | $3,787 |
| After a DUI35, full coverage | $317-$475 | $4,747 |
| Poor credit35, clean record, full coverage | $323-$464 | $4,722 |
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Rules worth knowing in Oregon
- PIP must provide at least $15,000 per person for medical costs incurred within 2 years. It also pays 70% of lost income, up to $3,000 a month for up to 52 weeks, if you are disabled 14 days or more, plus up to $5,000 for funeral costs.
- Uninsured and underinsured motorist limits must equal your bodily injury limits unless you sign a form choosing lower limits, which cannot go below 25/50.
- Insurers may use credit when you apply, but not as the only reason to turn you down, and never to cancel, nonrenew or raise your renewal premium. You can ask for a credit re-rate once a year.
- A past coverage lapse alone cannot put you in a higher risk category unless you drove while uninsured, and neither can certain suspensions unrelated to driving.
- If your insurer uses factors such as gender or credit history, your renewal notice must explain them.
- Oregon's SR-22 filing generally lasts 3 years, or 1 year for certain accident-related cases; after a DUII (impaired driving) conviction it lasts 3 years and requires bodily injury limits of at least 50/100, so confirm your period with Oregon DMV.
Questions about Oregon car insurance
What is the minimum car insurance in Oregon?
Oregon requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $20,000 of property damage liability (written 25/50/20).
How much is car insurance in Oregon per month?
For a 35-year-old with a clean record, our model puts full coverage at about $181 to $240 a month and state-minimum coverage at about $72 to $95. Age, record, car, ZIP code and the company you choose move the real number a lot.
Is Oregon a no-fault state?
At-fault (tort) state: the driver who causes a crash, and their insurer, pays for the other side's injuries and damage.
Can insurers in Oregon use my credit score?
Yes, within limits set by state law, so better credit usually means a lower price when you buy a new policy.
Do I need an SR-22 in Oregon?
Only if a court or the state requires one, usually after a serious violation or a lapse. Oregon's SR-22 filing generally lasts 3 years, or 1 year for certain accident-related cases; after a DUII (impaired driving) conviction it lasts 3 years and requires bodily injury limits of at least 50/100, so confirm your period with Oregon DMV.