Oregon Auto Insurance Minimums and Key Coverage Rules

State‑Mandated Liability Limits

Oregon's minimum coverage is higher than many states. Insurers must provide at least $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $15,000 for property damage. Drivers can voluntarily increase these limits to better protect their assets.

Uninsured/Underinsured Motorist Coverage

The law requires at least $25,000 per person and $50,000 per accident for uninsured/underinsured motorist (UM/UIM) protection. This coverage is optional for drivers who already carry comprehensive liability limits, but it is highly recommended if you drive frequently or in areas with high uninsured rates.

Collision and Comprehensive Add‑Ons

Collision and comprehensive are not state minimums but are essential for protecting personal property. Collision covers damage from a collision with another vehicle or object; comprehensive covers theft, vandalism, and weather events. Most insurers offer these as optional add‑ons, and policyholders should weigh the deductible against the likelihood of a claim.

Proof of Insurance and Penalties

Oregon requires a valid proof of insurance (POI) to be displayed in the driver's vehicle. Failure to provide POI when requested can result in a $250 fine, a $1,000 civil penalty, or even license suspension for repeat offenses. Law enforcement officers can request POI during traffic stops, and insurance companies can also verify coverage through electronic records.

Special Requirements for Commercial Vehicles

Commercial drivers must carry liability limits of $100,000 per person and $300,000 per accident. Additionally, they must maintain coverage for cargo, employees, and other commercial risks. These limits are higher than personal auto requirements and are enforced through the Oregon Department of Transportation's commercial insurance database.