Car Insurance in Oregon: 2026 Rates & Requirements

Oregon requires PIP coverage as part of its minimum, but - unlike true no-fault states - it doesn't restrict your right to sue an at-fault driver, which is why it's typically classified as an "add-on" state rather than a no-fault one.

Minimum Insurance Requirements in Oregon

Oregon requires drivers to carry at least $25,000/50,000 in bodily injury liability (per person / per accident) and $20,000 in property damage liability. Oregon requires $15,000 in Personal Injury Protection (PIP) and uninsured motorist coverage at $25,000/$50,000. Oregon requires PIP but is not a true no-fault state: your own PIP covers your medical bills after an accident regardless of fault, while you still keep your full right to sue the at-fault driver, unlike in states with no-fault lawsuit restrictions. These are legal minimums, not a safety net for your own finances — most independent advisors recommend carrying meaningfully higher limits than the state requires, especially if you own a home or have savings to protect.

What Drives the Cost of Car Insurance in Oregon

The Portland metro area accounts for a large share of the state's traffic and accident claims, while premiums in the rest of Oregon typically run meaningfully lower for a similar driver profile. The mandatory $15,000 PIP requirement adds to the baseline cost of every policy, covering your own medical bills after an accident regardless of fault, while still preserving your full right to pursue the at-fault driver separately for damages PIP doesn't cover - a hybrid approach that sets Oregon apart from both traditional at-fault states and strict no-fault states.

Get Your Own Oregon Estimate

The figures above are state averages for a 35-year-old driver with a clean record and full coverage — useful as a benchmark, but your own rate depends on your exact ZIP code, vehicle, driving history, and coverage choices. Run your own free, no-signup estimate below, pre-filled for Oregon.