Oregon car insurance laws and requirements: What is changing in 2025

Q: Is it mandatory to have car insurance in Oregon?

Yes , Oregon requires that you carry at least the minimum mandatory coverage. Necessary coverage includes UMBI and PIP $15,000.

Q: Will my bare minimum car insurance cover me in another state?

Yes , your car insurance covers claims in another state, even if the minimums are higher in the other state.

Oregon car insurance laws

Oregon requires that drivers carry at least 25/50/20.

These limits are in place to ease the financial burden for drivers who cause an accident and for the victims. The at-fault driver knows their insurer will cover medical expenses and property damage up to a certain amount, and victims can more readily access funds to pay for accident costs.

However, coverage limits are very low and will not cover expenses from a serious accident. To be better protected, Oregon drivers should consider increasing liability limits and adding coverage, such as collision and comprehensive.

Oregon car insurance requirements

Oregon requires the following coverage:

Liability. There are two parts to liability coverage. First, bodily injury liability pays medical costs associated with an accident, such as doctor visits, surgery, and prescriptions. Second, property damage liability covers repairing or replacing items such as vehicles, fences, or buildings.

Oregon liability minimums are 25/50/20.

Personal injury protection (PIP). Personal injury protectionPersonal injury protection (PIP) pays for your medical, hospital and funeral expenses resulting from a car accident, regardless of who's at fault. pays medical costs, such as doctor visits, childcare expenses, and lost wages, for you or your passengers injured in an accident. PIP may be required for drivers who live in at-fault states.

Oregon PIP requirements are $15,000.

The average cost of a minimum coverage policy is $641. However, Oregon Mutual Insurance has the lowest minimum car insurance rates, averaging $445.

The table below shows the top insurers' average rates for minimum coverage in Oregon.

Company	Average annual premium	Average monthly premium
Oregon Mutual Insurance	$445	$37
Country Financial	$481	$40
Geico	$513	$43
State Farm	$534	$45
Travelers	$534	$45
Progressive	$650	$54
Nationwide	$813	$68
Farmers	$976	$81
Allstate	$1,041	$87
USAA	$439	$37

Read our methodology

Oregon car insurance cost for minimum coverage limits

On average, state minimum car insurance costs $641. Car insurance rates for minimum coverage vary by company and driver. The table below shows average rates for drivers with minimum coverage in Oregon.

The cheapest company for minimum coverage in Oregon is Oregon Mutual Insurance at an average rate of $445 annually.

State minimum coverage limit	25/50/20
Average annual premium	$641
Average monthly premium	$53

Read our methodology

Are the Oregon minimum coverage requirements changing in 2025?

Oregon car insurance requirements will not change in 2025. You do not need to make any changes if you have minimum coverage. If mandatory coverage changes in the future, your insurer will inform you, along with any rate changes.

Why do limits change?

"Several states have minimum requirements of property damage of $10,000-$25,000," says Zack Pope, agency manager at David Pope Insurance in Missouri. "[Given] the current values of vehicles, that's extremely antiquated values of coverage and a main reason that I personally do not offer less than 100/300/100 to customers. It is significantly easier to see a car on the road that is valued at $100,000 than it has been in the past."

What does minimum car insurance cover in Oregon?

Oregon requires drivers to carry at least a minimum amount of car insurance to help offset accident costs.

Oregon drivers are required to carry liability coverage. Bodily injury liability helps pay for injuries you cause to others in an accident. Property damage liability covers items damaged in an accident, such as another vehicle, fence, or other property.

Oregon is a no-fault state, meaning your insurer pays for your injuries and damages regardless of who caused the accident. The law requires you to carry personal injury protection (PIP) to pay medical costs, such as doctor visits and prescriptions.

PEOPLE ASK:

Is Oregon minimum car insurance enough?

It may not be. Even a moderately serious accident could exceed the state minimum limits of 25/50/20, and minimum coverage may not cover all accident costs. Furthermore, state minimums do not cover your vehicle; you need to add comprehensive and collision coverage.

How much car insurance is enough in Oregon?

Car insurance isn't one size fits all. The amount of coverage you need depends on your assets, net worth and risk level.

For example, if you are financially stable and can afford to pay out of pocket for medical costs and repairs, you may keep insurance limits low. However, you may be sued for the cost difference if you have a sizeable net worth and don't carry enough insurance to cover expenses.

Additionally, if you drive very little or have a short commute, your chances of causing an accident are relatively low. Also, you may choose to skip coverages such as collision and comprehensive if your car isn't worth much, or you can afford to pay for a new vehicle if yours is damaged. However, if you have a loan or lease you will be required to carry this coverage by your lender.

Consider your financial situation when determining how much car insurance you need.

Oregon penalties for driving without car insurance

Since Oregon requires its drivers to carry car insurance, failing to do so has consequences. Although you may be tempted to skip coverage to save money, you'll wind up paying heavily in the long run.

Failing to carry Oregon car insurance has penalties including those listed below. Keep in mind that repeated infractions have more severe penalties, such as jail time.

Fines	$130-$1,000
Other penalties	License suspension
Jail time	No

Read our methodology

Oregon minimum coverage cost by age group

Younger drivers pay for more car insurance because they lack experience behind the wheel. Fortunately, rates decrease as drivers age.

The table below breaks down the cost of car insurance for various age groups. Country Financial has the best rates for teens with minimum coverage averaging $939. Oregon Mutual Insurance offers the cheapest coverage for adults at $449.

Additionally, females and males pay different rates. The average rate for a 40-year-old female is $672, and the average rate for a 40-year-old male is $611, a difference of $61.

Male

Male
Female

Age	Company	Male annual premium	Male monthly premium
16	Country Financial	$1,020	$85
16	Geico	$1,661	$138
16	State Farm	$2,054	$171
16	Travelers	$2,272	$189
16	Nationwide	$3,048	$254
16	Allstate	$3,972	$331
16	Progressive	$4,161	$347
16	Oregon Mutual Insurance	$4,212	$351
16	Farmers	$6,593	$549
17	Country Financial	$879	$73
17	Geico	$1,300	$108
17	Travelers	$1,758	$147
17	State Farm	$1,781	$148
17	Oregon Mutual Insurance	$2,534	$211
17	Nationwide	$3,155	$263
17	Progressive	$3,334	$278
17	Allstate	$3,491	$291
17	Farmers	$5,103	$425
18	Country Financial	$780	$65
18	Geico	$1,125	$94
18	Travelers	$1,403	$117
18	State Farm	$1,526	$127
18	Oregon Mutual Insurance	$1,993	$166
18	Nationwide	$2,625	$219
18	Allstate	$2,809	$234
18	Progressive	$2,841	$237
18	Farmers	$4,359	$363
19	Geico	$920	$77
19	Country Financial	$1,094	$91
19	Travelers	$1,124	$94
19	State Farm	$1,308	$109
19	Progressive	$1,382	$115
19	Oregon Mutual Insurance	$1,522	$127
19	Allstate	$1,800	$150
19	Nationwide	$2,236	$186
19	Farmers	$2,308	$192
20	Country Financial	$656	$55
20	Geico	$853	$71
20	Travelers	$960	$80
20	State Farm	$1,126	$94
20	Oregon Mutual Insurance	$1,207	$101
20	Progressive	$1,236	$103
20	Allstate	$1,612	$134
20	Nationwide	$1,968	$164
20	Farmers	$2,040	$170
21	Country Financial	$616	$51
21	Geico	$652	$54
21	Travelers	$804	$67
21	State Farm	$951	$79
21	Oregon Mutual Insurance	$965	$80
21	Progressive	$987	$82
21	Farmers	$1,093	$91
21	Nationwide	$1,297	$108
21	Allstate	$1,357	$113
22	Geico	$571	$48
22	Country Financial	$583	$49
22	Oregon Mutual Insurance	$720	$60
22	Travelers	$735	$61
22	State Farm	$849	$71
22	Progressive	$887	$74
22	Farmers	$1,043	$87
22	Nationwide	$1,152	$96
22	Allstate	$1,249	$104
23	Geico	$539	$45
23	Country Financial	$555	$46
23	Oregon Mutual Insurance	$622	$52
23	Travelers	$675	$56
23	State Farm	$740	$62
23	Progressive	$804	$67
23	Farmers	$971	$81
23	Nationwide	$1,075	$90
23	Allstate	$1,167	$97
24	Geico	$519	$43
24	Country Financial	$530	$44
24	Oregon Mutual Insurance	$595	$50
24	Travelers	$639	$53
24	State Farm	$649	$54
24	Progressive	$743	$62
24	Farmers	$946	$79
24	Nationwide	$1,017	$85
24	Allstate	$1,092	$91
25	Geico	$506	$42
25	Oregon Mutual Insurance	$552	$46
25	Travelers	$566	$47
25	State Farm	$577	$48
25	Country Financial	$615	$51
25	Progressive	$649	$54
25	Nationwide	$916	$76
25	Farmers	$959	$80
25	Allstate	$991	$83
30	Geico	$461	$38
30	Oregon Mutual Insurance	$468	$39
30	Country Financial	$510	$43
30	State Farm	$532	$44
30	Travelers	$554	$46
30	Progressive	$598	$50
30	Nationwide	$814	$68
30	Farmers	$899	$75
30	Allstate	$1,004	$84
35	Oregon Mutual Insurance	$447	$37
35	Geico	$455	$38
35	Country Financial	$482	$40
35	State Farm	$527	$44
35	Travelers	$558	$47
35	Progressive	$608	$51
35	Nationwide	$781	$65
35	Farmers	$874	$73
35	Allstate	$1,004	$84
40	Oregon Mutual Insurance	$431	$36
40	Geico	$456	$38
40	Country Financial	$475	$40
40	Travelers	$528	$44
40	State Farm	$534	$45
40	Progressive	$608	$51
40	Nationwide	$769	$64
40	Farmers	$882	$74
40	Allstate	$1,003	$84
45	Oregon Mutual Insurance	$408	$34
45	Geico	$453	$38
45	Country Financial	$472	$39
45	Travelers	$527	$44
45	State Farm	$538	$45
45	Progressive	$604	$50
45	Nationwide	$765	$64
45	Farmers	$859	$72
45	Allstate	$999	$83
50	Oregon Mutual Insurance	$407	$34
50	Geico	$433	$36
50	Country Financial	$468	$39
50	Travelers	$521	$43
50	State Farm	$529	$44
50	Progressive	$580	$48
50	Nationwide	$755	$63
50	Farmers	$850	$71
50	Allstate	$1,013	$84
55	Oregon Mutual Insurance	$412	$34
55	Geico	$429	$36
55	Country Financial	$464	$39
55	Travelers	$495	$41
55	State Farm	$517	$43
55	Progressive	$582	$49
55	Nationwide	$739	$62
55	Farmers	$793	$66
55	Allstate	$997	$83
60	Oregon Mutual Insurance	$429	$36
60	Geico	$447	$37
60	Country Financial	$465	$39
60	Travelers	$503	$42
60	State Farm	$504	$42
60	Progressive	$585	$49
60	Nationwide	$731	$61
60	Farmers	$796	$66
60	Allstate	$1,012	$84
65	Geico	$408	$34
65	Oregon Mutual Insurance	$474	$40
65	Country Financial	$478	$40
65	State Farm	$504	$42
65	Travelers	$535	$45
65	Progressive	$616	$51
65	Nationwide	$743	$62
65	Farmers	$1,014	$85
65	Allstate	$1,017	$85
70	Geico	$439	$37
70	Country Financial	$516	$43
70	State Farm	$533	$44
70	Oregon Mutual Insurance	$558	$47
70	Travelers	$564	$47
70	Progressive	$659	$55
70	Nationwide	$784	$65
70	Allstate	$1,063	$89
70	Farmers	$1,108	$92
75	Geico	$470	$39
75	Country Financial	$592	$49
75	State Farm	$592	$49
75	Travelers	$623	$52
75	Oregon Mutual Insurance	$721	$60
75	Progressive	$800	$67
75	Nationwide	$863	$72
75	Allstate	$1,187	$99
75	Farmers	$1,217	$101
16	USAA	$2,202	$184
17	USAA	$1,370	$114
18	USAA	$1,101	$92
19	USAA	$912	$76
20	USAA	$796	$66
21	USAA	$757	$63
22	USAA	$693	$58
23	USAA	$636	$53
24	USAA	$598	$50
25	USAA	$509	$42
30	USAA	$452	$38
35	USAA	$438	$37
40	USAA	$425	$35
45	USAA	$416	$35
50	USAA	$410	$34
55	USAA	$408	$34
60	USAA	$420	$35
65	USAA	$441	$37
70	USAA	$482	$40
75	USAA	$545	$45

Read our methodology

Age	Company	Female annual premium	Female monthly premium
16	Country Financial	$1,003	$84
16	Geico	$1,911	$159
16	State Farm	$1,621	$135
16	Travelers	$1,819	$152
16	Nationwide	$2,885	$240
16	Allstate	$4,361	$363
16	Progressive	$4,087	$341
16	Oregon Mutual Insurance	$3,842	$320
16	Farmers	$6,384	$532
17	Country Financial	$869	$72
17	Geico	$1,582	$132
17	Travelers	$1,449	$121
17	State Farm	$1,402	$117
17	Oregon Mutual Insurance	$2,320	$193
17	Nationwide	$3,003	$250
17	Progressive	$3,245	$270
17	Allstate	$3,497	$291
17	Farmers	$4,944	$412
18	Country Financial	$775	$65
18	Geico	$1,382	$115
18	Travelers	$1,182	$99
18	State Farm	$1,217	$101
18	Oregon Mutual Insurance	$1,840	$153
18	Nationwide	$2,493	$208
18	Allstate	$2,705	$225
18	Progressive	$2,771	$231
18	Farmers	$4,236	$353
19	Geico	$1,095	$91
19	Country Financial	$1,092	$91
19	Travelers	$969	$81
19	State Farm	$1,057	$88
19	Progressive	$1,323	$110
19	Oregon Mutual Insurance	$1,420	$118
19	Allstate	$1,945	$162
19	Nationwide	$2,129	$177
19	Farmers	$2,255	$188
20	Country Financial	$657	$55
20	Geico	$1,004	$84
20	Travelers	$852	$71
20	State Farm	$929	$77
20	Oregon Mutual Insurance	$1,139	$95
20	Progressive	$1,215	$101
20	Allstate	$1,661	$138
20	Nationwide	$1,912	$159
20	Farmers	$1,987	$166
21	Country Financial	$619	$52
21	Geico	$787	$66
21	Travelers	$737	$61
21	State Farm	$802	$67
21	Oregon Mutual Insurance	$921	$77
21	Progressive	$1,000	$83
21	Farmers	$1,037	$86
21	Nationwide	$1,273	$106
21	Allstate	$1,357	$113
22	Geico	$686	$57
22	Country Financial	$587	$49
22	Oregon Mutual Insurance	$695	$58
22	Travelers	$687	$57
22	State Farm	$733	$61
22	Progressive	$944	$79
22	Farmers	$990	$83
22	Nationwide	$1,141	$95
22	Allstate	$1,350	$113
23	Geico	$670	$56
23	Country Financial	$560	$47
23	Oregon Mutual Insurance	$607	$51
23	Travelers	$655	$55
23	State Farm	$646	$54
23	Progressive	$855	$71
23	Farmers	$942	$79
23	Nationwide	$1,072	$89
23	Allstate	$1,240	$103
24	Geico	$654	$55
24	Country Financial	$537	$45
24	Oregon Mutual Insurance	$586	$49
24	Travelers	$643	$54
24	State Farm	$587	$49
24	Progressive	$801	$67
24	Farmers	$937	$78
24	Nationwide	$1,018	$85
24	Allstate	$1,149	$96
25	Geico	$632	$53
25	Oregon Mutual Insurance	$549	$46
25	Travelers	$572	$48
25	State Farm	$533	$44
25	Country Financial	$624	$52
25	Progressive	$729	$61
25	Nationwide	$929	$77
25	Farmers	$964	$80
25	Allstate	$1,058	$88
30	Geico	$579	$48
30	Oregon Mutual Insurance	$485	$40
30	Country Financial	$522	$44
30	State Farm	$532	$44
30	Travelers	$559	$47
30	Progressive	$708	$59
30	Nationwide	$872	$73
30	Farmers	$964	$80
30	Allstate	$1,109	$92
35	Oregon Mutual Insurance	$475	$40
35	Geico	$575	$48
35	Country Financial	$495	$41
35	State Farm	$527	$44
35	Travelers	$566	$47
35	Progressive	$708	$59
35	Nationwide	$874	$73
35	Farmers	$992	$83
35	Allstate	$1,091	$91
40	Oregon Mutual Insurance	$460	$38
40	Geico	$571	$48
40	Country Financial	$488	$41
40	Travelers	$541	$45
40	State Farm	$534	$45
40	Progressive	$693	$58
40	Nationwide	$857	$71
40	Farmers	$1,071	$89
40	Allstate	$1,083	$90
45	Oregon Mutual Insurance	$428	$36
45	Geico	$564	$47
45	Country Financial	$486	$41
45	Travelers	$536	$45
45	State Farm	$538	$45
45	Progressive	$689	$57
45	Nationwide	$837	$70
45	Farmers	$1,017	$85
45	Allstate	$1,083	$90
50	Oregon Mutual Insurance	$416	$35
50	Geico	$538	$45
50	Country Financial	$483	$40
50	Travelers	$527	$44
50	State Farm	$529	$44
50	Progressive	$656	$55
50	Nationwide	$814	$68
50	Farmers	$972	$81
50	Allstate	$1,045	$87
55	Oregon Mutual Insurance	$408	$34
55	Geico	$532	$44
55	Country Financial	$479	$40
55	Travelers	$497	$41
55	State Farm	$517	$43
55	Progressive	$624	$52
55	Nationwide	$776	$65
55	Farmers	$878	$73
55	Allstate	$1,023	$85
60	Oregon Mutual Insurance	$411	$34
60	Geico	$549	$46
60	Country Financial	$479	$40
60	Travelers	$496	$41
60	State Farm	$504	$42
60	Progressive	$628	$52
60	Nationwide	$746	$62
60	Farmers	$822	$69
60	Allstate	$1,039	$87
65	Geico	$485	$40
65	Oregon Mutual Insurance	$440	$37
65	Country Financial	$493	$41
65	State Farm	$504	$42
65	Travelers	$530	$44
65	Progressive	$661	$55
65	Nationwide	$740	$62
65	Farmers	$1,013	$84
65	Allstate	$1,057	$88
70	Geico	$509	$42
70	Country Financial	$531	$44
70	State Farm	$533	$44
70	Oregon Mutual Insurance	$505	$42
70	Travelers	$558	$47
70	Progressive	$692	$58
70	Nationwide	$765	$64
70	Allstate	$1,099	$92
70	Farmers	$1,058	$88
75	Geico	$542	$45
75	Country Financial	$608	$51
75	State Farm	$592	$49
75	Travelers	$600	$50
75	Oregon Mutual Insurance	$631	$53
75	Progressive	$743	$62
75	Nationwide	$816	$68
75	Allstate	$1,207	$101
75	Farmers	$1,111	$93
16	USAA	$2,183	$182
17	USAA	$1,392	$116
18	USAA	$1,129	$94
19	USAA	$929	$77
20	USAA	$806	$67
21	USAA	$759	$63
22	USAA	$688	$57
23	USAA	$645	$54
24	USAA	$614	$51
25	USAA	$527	$44
30	USAA	$477	$40
35	USAA	$461	$38
40	USAA	$454	$38
45	USAA	$449	$37
50	USAA	$443	$37
55	USAA	$441	$37
60	USAA	$449	$37
65	USAA	$466	$39
70	USAA	$506	$42
75	USAA	$565	$47

Read our methodology

Oregon minimum coverage cost by city

Bend drivers pay the least for minimum coverage in Oregon at $587. However, Gresham pay the most at $899.

Car insurance rates vary by city. For example, drivers in larger cities with a high traffic volume or vehicle theft rate pay higher rates.

The table below shows average minimum coverage rates for cities in Oregon.

City	Average annual premium	Average monthly premium
Bend	$587	$49
Medford	$605	$50
Corvallis	$609	$51
Eugene	$620	$52
Springfield	$633	$53
Salem	$757	$63
Hillsboro	$796	$66
Beaverton	$810	$68
Portland	$862	$72
Gresham	$899	$75

Read our methodology

Optional car insurance coverage in Oregon

Oregon requires drivers to carry car insurance to pay for injuries and damages caused to others. However, drivers don't have to carry coverage for their vehicle unless required by a loan or lease.

Drivers may choose optional coverages such as:

Collision. Collision coverage pays for damages to your vehicle if you cause an accident.
Comprehensive. This coverage pays for damages to your car unrelated to an accident, such as fire, flood, falling debris, and hail.
Rental car coverage. This pays for a rental car if your vehicle is being repaired for a covered claim and usually has time and cost limits.
Roadside assistance. If you run out of gas, need a tire changed, or have a dead battery roadside assistance will send someone to help.
Gap. Gap coverage pays the difference between what you owe on a car loan and the vehicle's value.

Methodology

Insurance.com commissioned state minimum car insurance rates from Quadrant Information Systems based on a 40-year-old driver with good credit and a clean driving history, driving a 2023 Honda Accord LX. Rates are based on all coverages required by law at minimum coverage limits. Rates were also fielded for various additional age groups. State laws were gathered from state DMV and insurance department websites.

Oregon car insurance laws and requirements: FAQs

Is it mandatory to have car insurance in Oregon?

Yes, Oregon requires that you carry at least the minimum mandatory coverage. Necessary coverage includes UMBI and PIP $15,000.

Will my bare minimum car insurance cover me in another state?

Yes, your car insurance covers claims in another state, even if the minimums are higher in the other state.

What happens if I drive without car insurance in Oregon?

If you're caught driving without car insurance in Oregon, you may face fines, a driver's license suspension, having your vehicle impounded, and increased car insurance rates. Additionally, you may face jail time, especially for multiple violations.