Oregon’s minimum car insurance coverage requirements

While every state has some sort of mandatory guideline regarding auto insurance coverage, the minimum limits vary by state.  The following is a breakdown of minimum liability requirements for Oregon:

Is it mandatory to have car insurance in Oregon?

Yes

What are the minimum limits for Oregon?

$25,000 bodily injury per person
$50,000 bodily injury per accident
$20,000 property damage per accident

—or—

25/50/20

What is the maximum bodily injury liability and property damage limit in Oregon?

This can vary by company, however commonly:

$250,000 bodily injury per person
$500,000 bodily injury per accident
$100,000 property damage per accident

—or—

250/500/100

What liability coverages are required to be offered in Oregon? Can a customer reject them?

Bodily Injury, Property Damage, Uninsured Motorist, and Personal Injury Protection must be offered. None can be rejected.

How far back does Oregon go to look at violation history?

3 to 5 years depending on the carrier.

What additional policy types are offered in Oregon?

Named Non-Owner

Is an insurance score used in my rating in Oregon? If so, is it mandatory?

Yes, an insurance score is used for rating in Oregon, but it’s not mandatory.

What policy terms are available in Oregon?

1, 2, 3, 6 and 12 months

What is the minimum down payment option in Oregon?

Typically 1 month, can vary by risk

Are SR22s used in Oregon?

SR22s are available, express shipped to DMV each night.