Oregon Car Insurance
Oregon drivers must carry 25/50/20 liability under ORS 806.0701, plus $15,000 PIP under ORS 742.5243 and 25/50 UM and UIM under ORS 742.5024. Oregon is an add-on PIP state, not a no-fault state: PIP exists but full tort rights are preserved6. DMV electronic verification runs under ORS 806.2705.
YesWeSure Bottom Line
What makes OR unusual. Oregon has compulsory PIP but is not a no-fault state. First-party medical bills flow through PIP first, but full tort recovery against the at-fault driver remains available36.
Four compulsory coverages. Liability (25/50/20), PIP ($15K), UM (25/50), UIM (25/50). All four are required on every Oregon personal auto policy134.
How to make a real decision. Treat the compulsory limits as a floor. For how to think about higher limits, see how to choose coverage limits.
State requirements at a glance
What Oregon car insurance law requires
Minimum liability limits
25 / 50 / 201
$25,000 bodily injury per person, $50,000 per accident, $20,000 property damage per accident, under ORS 806.070.
Personal Injury Protection (PIP)
$15,000 required3
ORS 742.524 requires $15,000 PIP per person on every Oregon motor vehicle liability policy. PIP pays medical expenses, lost wages, and other covered first-party benefits regardless of fault. Oregon preserves full tort rights alongside PIP (add-on structure, not no-fault).
Uninsured / Underinsured Motorist
25 / 50 BI required4
ORS 742.502 and ORS 742.504 require UM and UIM at 25/50 bodily injury on every Oregon personal auto policy.
Coverage verification
DMV electronic verification5
ORS 806.270 requires proof of coverage at registration and at traffic stops; a confirmed lapse can trigger suspension of driving privileges.
Rate approval regime
Oregon DCBS DFR oversight6
Oregon does not maintain a headline statewide prohibition on credit-based insurance scoring, gender, or age as personal-auto rating factors.
25/50/20 compulsory liability
ORS 806.070 compels every registered Oregon vehicle to carry 25/50/20 liability1. Many Oregon drivers carry higher limits.
$15,000 PIP under ORS 742.524
ORS 742.524 requires $15,000 PIP per person on every Oregon motor vehicle liability policy3. PIP pays medical expenses, lost wages, and other covered first-party benefits regardless of fault. Oregon is an add-on PIP state: PIP exists but full tort rights are preserved. For how PIP sits next to MedPay, see our medical payments coverage guide.
25/50 UM and UIM required
ORS 742.502 and ORS 742.504 require UM and UIM at 25/50 bodily injury on every Oregon personal auto policy4.
DMV verification and lapse enforcement
ORS 806.270 requires proof of coverage at registration and at traffic stops5. A confirmed lapse can trigger suspension of driving privileges. For a general lapse treatment, see our after-a-lapse guide.
Rating-factor landscape
Oregon does not maintain a headline statewide prohibition on credit-based insurance scoring, gender, or age6.
Where the Oregon situation rules live on YesWeSure
This State Guide owns the Oregon pricing and legal framework. Situation-specific mechanics live on the sibling Situation guides:
- After an accident. See our after-an-accident guide.
- After a DUI. Oregon SR-22 and reinstatement mechanics are treated in our after-a-DUI guide.
- After a lapse. DMV consequences of a lapse are treated in our after-a-lapse guide.
- Moving into Oregon. New-resident registration is treated in our moving-to-another-state guide.
What we verified for this page
- Strong25/50/20 minimum liability verified against ORS 806.070 and 806.080.
- Strong$15,000 PIP required under ORS 742.524 verified against the statute. Consistent with the frozen YesWeSure medical-payments guide listing Oregon as a first-party PIP state; no conflict.
- Strong25/50 UM and UIM required under ORS 742.502 verified against the statute.
- StrongDMV electronic verification under ORS 806.270 verified against the statute and the DMV consumer page.
- StrongOregon preserves full tort rights alongside PIP (add-on structure) verified against the DCBS DFR consumer guide. Oregon is not a no-fault state despite having compulsory PIP.
- LimitedDeliberately omitted from V1. An Oregon modeled cost anchor; carrier-specific OR underwriting; the exact SR-22 duration (deferred to the after-a-DUI guide); and telematics program detail.
- LimitedNamed author and expert reviewer. V1 attributes to "YesWeSure Editorial." An Oregon-licensed reviewer is tracked as a pre-launch YMYL item.
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Common questions
What is the minimum car insurance required in Oregon?
25/50/20 liability + $15,000 PIP + 25/50 UM and UIM, under ORS 806.070, 742.524, and 742.502134.
Is Oregon a no-fault state?
No. Oregon has compulsory PIP but preserves full tort rights (add-on structure)6.
Is UM/UIM required in Oregon?
Yes. 25/50 UM and UIM are required on every Oregon personal auto policy under ORS 742.5024.
Sources & methodology
- ORS 806.070: motor vehicle liability insurance; 25/50/20 compulsory liability. (Oregon State Legislature, TIER 1)
- ORS 806.080: proof of compliance with financial responsibility requirements. (Oregon State Legislature, TIER 1)
- ORS 742.524: $15,000 PIP required on every Oregon motor vehicle liability policy. (Oregon State Legislature, TIER 1)
- ORS 742.502: UM and UIM required at 25/50 bodily injury. (Oregon State Legislature, TIER 1)
- ORS 806.270: proof of compliance; DMV insurance verification. (Oregon State Legislature, TIER 1)
- Oregon Department of Consumer and Business Services: Auto Insurance consumer guide. (Oregon DCBS DFR, TIER 1)
- Oregon DMV: Insurance Requirements consumer page. (Oregon DMV, TIER 1)
- YesWeSure: Car insurance after an accident (YesWeSure, INTERNAL)
- YesWeSure: Car insurance after a DUI (YesWeSure, INTERNAL)
- YesWeSure: Car insurance after a lapse in coverage (YesWeSure, INTERNAL)
- YesWeSure: Car insurance when moving to another state (YesWeSure, INTERNAL)
- YesWeSure: What is medical payments coverage? (YesWeSure, INTERNAL)
- YesWeSure: How to choose coverage limits (YesWeSure, INTERNAL)
- YesWeSure: How insurers calculate rates (YesWeSure, INTERNAL)
Evidence hierarchy on this page: Tier 1 (Oregon Revised Statutes, Oregon DCBS DFR, Oregon DMV). Every legal number traces to an Oregon primary source: ORS 806.070, 806.080, 806.270, 742.502, 742.524. This page is informational and does not constitute legal, tax, or insurance advice. Last reviewed .