Is Oregon a no-fault state?

No, Oregon is an at-fault state, which means the driver who causes a crash is responsible for the resulting injuries and property damage. Oregon is unusual in also requiring personal injury protection , which may pay for your own medical costs, regardless of who's at fault in an accident.

How do I lower my car insurance in Oregon?

You may be able to lower your rate by maintaining a clean driving record, comparing coverage limits and deductibles, and taking advantage of available discounts. Progressive offers discounts in Oregon for having multiple policies or vehicles, remaining claim-free, owning a home, adding a teen driver, and more.

What happens if you drive without insurance in Oregon?

Driving without insurance is illegal in Oregon. It's a Class B traffic violation with a fine of $135 to $1,000. The state may also suspend your license and registration for up to a year, impound your vehicle, and require you to file an SR-22 for three years to prove coverage. Oregon verifies insurance electronically and can ask you to confirm coverage at any time, so a lapse is often easy to catch.

Why does Oregon require personal injury protection?

Even though Oregon is an at-fault state, it requires personal injury protection. Personal injury protection may cover your and your passengers' medical bills and can help with lost wages and related costs, regardless of who is at fault. It's designed to speed up care and reduce disputes after an accident.

Oregon car insurance

Product

Bundle Save an average of 5% on auto in most states!^Δ

Get a quote

Getting car insurance in Oregon

From I-5 trips through Portland and Salem to trips across the Coast Range or through the Cascades, Oregon drivers can encounter everything from steady rain to snow, ice, flooding, and landslides. Progressive helps Oregon drivers navigate these risks and the state's insurance requirements by offering flexible coverage options and transparent pricing. You can use Progressive AutoQuote Explorer to compare coverage with ease.

Jump to section:

Required coverages
Discounts
Average cost
Cost factors
Optional coverages
Driving resources
FAQs

What are the minimum auto insurance requirements in Oregon?

Oregon currently requires drivers to carry the following minimum coverages and limits.

Coverage	What it covers	Minimum Amount
Bodily injury liability	Injuries you cause to others in an accident	$25,000 per person $50,000 per accident
Property damage liability	Damage you cause to someone else's vehicle or other property in an accident	$20,000 per accident
Uninsured/underinsured motorist bodily injury	Injuries caused by a driver with too little or no insurance	$25,000 per person $50,000 per accident
Personal injury protection	Your medical costs after an accident, plus lost wages and death benefits, regardless of fault	$15,000

While these are Oregon's minimum coverage limits, higher limits may offer better financial protection after a serious accident. See how much car insurance you may need for your situation.

Switch and save with Progressive

Ready to make the switch? Drivers nationwide who switch and save with Progressive save over $950 on average.^* Get an auto insurance quote today.

Car insurance discounts in Oregon

Discounts can help lower your rate based on how you drive, the vehicle insured, and how you manage your policy. Progressive offers a variety of discounts to help Oregon drivers get a better deal on car insurance. Popular discounts available in Oregon include:

Multi-policy
Save when you have two or more policies with Progressive. For instance, bundling your car and home insurance can earn you a discount on your auto policy.
Multi-car
Save when you list more than one vehicle on your policy. You can add a car kept at your address that belongs to a spouse, family member, or roommate.
Online quote
Save when you start your auto insurance quote online. You can compare coverage options and customize your policy before you buy.

What is the average cost of car insurance in Oregon?

Car insurance costs an average of $125.11 per month in Oregon for a liability-only policy from Progressive in 2025.^† Oregon requires more coverages than many states, which can add to premiums compared with liability-only states. Your rate depends on other factors unique to you, including where you live, your driving history, and the discounts you qualify for.

Factors that impact your auto insurance rate in Oregon

Many factors can impact how much you pay for auto insurance in Oregon, including:

Payment method: How you pay can help lower your cost. Paying in full or setting up automatic payments can earn discounts.
Coverage choices and deductibles: The coverages you select, your limits, and your deductible amounts affect your premium.
Driving record: Tickets, accidents, and prior claims can affect your rate.
Vehicle type: Your car's make, model, age, safety technology, and repair costs are factored into your price.
Location: Where you live affects your rate as traffic density, accident and theft rates, and weather vary across the state.

Recommended additional auto insurance coverages in Oregon

Oregon requires bodily injury and property damage liability coverage, but these coverages may not cover all costs after an accident. Adding optional coverages offers extra protection, can help fill gaps in your policy, and gives you peace of mind:

Coverage	What it covers
Comprehensive	Cost to repair or replace your car if it's stolen or damaged by hail, fire, wind, flood, vandalism, and other covered events
Collision	Cost to repair your vehicle if it overturns or collides with another vehicle or object
Roadside assistance	Certain emergency services if your vehicle breaks down, such as towing, a jumpstart, or help with a flat tire

Oregon driving resources

Learn more about Oregon's driving laws and insurance requirements. Keep in mind that local governments may have additional rules or requirements.

Oregon Driver and Motor Vehicle Services (DMV): Where Oregon drivers handle licensing, registration, and insurance verification.
Oregon Division of Financial Regulation: The state agency that regulates insurers and helps consumers with questions and complaints.
Oregon driver manual: Learn about Oregon's rules of the road, including studded-tire season and distracted-driving laws.

How to get car insurance in Oregon with Progressive

Progressive makes it easy for Oregon drivers to compare coverage options and get a competitive auto insurance quote.

Go online

We ask easy questions, and you customize your coverages.

Quote auto insurance
Call a rep

Talk with a licensed representative who can guide you through the process.

Call 1-855-347-3939
Through an agent

Connect with an independent agent in your area.

Find an agent in Oregon

Oregon car insurance FAQs

Driving without insurance is illegal in Oregon. It's a Class B traffic violation with a fine of $135 to $1,000. The state may also suspend your license and registration for up to a year, impound your vehicle, and require you to file an SR-22 for three years to prove coverage. Oregon verifies insurance electronically and can ask you to confirm coverage at any time, so a lapse is often easy to catch.