Oregon Car Insurance Minimum Requirements

Oregon requires at least 25/50/20 liability coverage. That is $25,000 for injuries to one person, $50,000 per accident and $20,000 for property damage.

Shorthand: 25/50/20
Liability alone does not make a policy legal in Oregon. Personal injury protection and uninsured motorist coverage are also mandatory, so the full statutory package is 25/50/20 plus $15,000 PIP plus 25/50 uninsured motorist.
Bodily injury — per person: $25,000
Bodily injury — per accident: $50,000
Property damage: $20,000
Uninsured / underinsured motorist: Required; limits match your liability limits unless you lower them in writing
Every motor vehicle liability policy must carry uninsured motorist coverage, and that coverage must include underinsurance. The limits default to your bodily injury liability limits; a named insured may sign for lower limits but never below $25,000 per person and $50,000 per crash (ORS 742.502).
Personal injury protection (PIP): Required; cannot be declined
Unusually for an at-fault state, Oregon makes personal injury protection mandatory on every policy covering a private passenger vehicle. There is no rejection form, and the fact that you could sue the other driver does not release your insurer from paying (ORS 742.520).
PIP minimum limit: $15,000
$15,000 per person for reasonable and necessary medical expenses incurred within two years of the crash. PIP also pays 70 percent of lost income up to $3,000 a month for up to 52 weeks, $30 a day for essential services, up to $5,000 in funeral expenses, and $25 a day up to $750 for child care (ORS 742.524).

Property damage minimum — where Oregon sits

Oregon sets $20,000 — higher than 17 of the 51 jurisdictions on this site. The range runs from $5,000 to $50,000.

How Oregon compares with every other state

What these numbers buy you

Those first two numbers are two different walls, and drivers regularly mistake them for one. $25,000 is the most the policy pays for any single person's injuries. $50,000 is the ceiling for everyone hurt in the same crash put together. Injure one person badly and $25,000 is all your insurer owes, however large the bill. Injure three people and they divide $50,000 between them. Anything a court awards above those lines is yours to pay, and it does not go away when the policy runs out.

The $20,000 of property damage cover is the figure drivers look at last and need first. It pays for what you hit — the other car, a guardrail, a storefront — and nothing else. Only 17 states on this site set a lower floor. Whatever the repair or replacement actually costs above $20,000 is not covered by this policy, and the difference is a debt in your name rather than your insurer's.

None of this is what Oregon drivers actually spend. The average premium written per insured vehicle here was $352 in 2023, 42nd highest of 51 states and DC — and that average covers policies far above the legal floor, not the bare minimum on this page.

Carrying the minimum is legal, not safe. It is the line below which Oregon will not let you drive — and the penalties for falling under it are on the driving uninsured page.

Common questions

Is uninsured motorist coverage required in Oregon?

Required; limits match your liability limits unless you lower them in writing.

Is PIP required in Oregon?

Required; cannot be declined.

Is full coverage required in Oregon?

No. Collision and comprehensive — the two coverages people usually mean by "full coverage" — are not part of what Oregon law requires. A lender or leasing company will usually require them until the car is paid off.

Every statute cited for Oregon

Why the rule looks like this

More on Oregon

Checked against the primary sources above on September 27, 2026. If a figure here is wrong, tell us and we will fix it — what we have corrected so far is public.