- Car Insurance
- Auto Insurance by State
- Oregon Car Insurance
Get an Oregon car insurance quote
You could save over $700 on auto insurance when you switch to Liberty Mutual1
Buying auto insurance in Oregon
Oregon drivers could save money with these auto insurance discounts
Buy your policy online and save. It's that simple.2
Learn more about SavingsConvenience and savings — need we say more? Combine your policies and get a discount.2
Learn about Bundling and Save Discounts and moreGet rewarded for your good driving behavior by saving up to 30% on your policy.3
Save with our safe driver programOregon minimum car insurance requirements (25/50/20)
In Oregon, it's illegal to drive without insurance. Drivers in Oregon are required to have car insurance coverage for
- Bodily Injury to others
- Property Damage Liability
- Personal Injury Protection (PIP)
- Uninsured/Underinsured Motorist Coverage
Here are the minimum auto insurance limits drivers must have in Oregon.4
Coverage type | State requirements |
|---|---|
| Bodily Injury to others Coverage | $25,000 per person and $50,000 per accident |
| Property Damage Liability Coverage | $20,000 per accident |
| Personal Injury Protection (PIP) | $15,000 per person |
| Uninsured/Underinsured Motorist Coverage | $25,000 per person / $50,000 per accident |
Visit the Oregon Division of Financial Regulation to learn more about minimum coverage requirements.
Average cost of car insurance in Oregon, 2026
According to 2026 data, the average cost of “full” coverage car insurance in Oregon is about $1,680 per year.
Drivers in Oregon will often pay more, or less, depending on their coverages, car, age, driving record, and where they live.
What's considered "full coverage" car insurance in Oregon?
"Full coverage" car insurance can mean different things to different people. Legally, in the state of Oregon you're only required to have the state minimums.
However, "full car coverage" or "full coverage" is often thought of as having the state minimums and
- Comprehensive Coverage: helps pay for damages caused by events like hail, fire, or theft
- Collision Coverage: helps cover the cost to fix damage to your car from an accident with another car
For leased or financed cars, most lenders require having Comprehensive and Collision Coverage.
We'll make sure you get the coverage you need in Oregon when you get an online auto insurance quote.
What liability insurance is required in Oregon?
Oregon law requires you to have liability car insurance. This coverage protects others if you cause bodily harm or property damage to them. It's important to know this coverage doesn't cover you, your car, or your personal belongings.
Drivers must have a car insurance policy with the minimum coverages of
- Bodily Injury Liability: $25,000 per person and $50,000 per accident
- Property Damage Liability: $20,000 per accident
- Personal Injury Protection: $15,000 per person
- Uninsured Motorist Coverage: $25,000 per person and $50,000 per accident
Remember, this is only the minimum coverage required by law. You may want to think about increasing your limits for more financial protection. You should also consider other types of coverage that can give you even more protection.
Who offers cheap car insurance in Oregon?
Finding the cheapest car insurance in Oregon may sound great, but a low-cost policy may not pay out when you need it.
A Liberty Mutual auto insurance policy can cost less than you think.5
- $817 lower than GEICO
- $731 lower than Progressive
- $839 lower than State Farm
- $758 lower than Allstate