Oregon car insurance
Whether driving along the rugged Pacific coastline or through the streets of Portland or Salem on your daily commute, at Progressive, we'll make sure you have the right coverage for peace of mind behind the wheel. Learn more about Oregon state minimum insurance requirements, additional coverage options, and a few ways you can save with discounts.
Explore Progressive Answers' auto editorial guidelines to find out why you can trust the car insurance information you find here.
What are Oregon's minimum auto insurance requirements?
Drivers in Oregon are required to have auto liability coverage (BI liability and PD liability), uninsured/underinsured motorist (UM/UIM) bodily injury coverage, and personal injury protection (PIP) at the following minimum limits:
| Coverage | What it covers | Minimum Amount |
|---|---|---|
| Bodily injury liability | What it coversInjuries you cause to others in an accident | Minimum Amount$25,000 per person $50,000 per accident |
| Property damage liability | What it coversDamage you cause to other people's property in an accident | Minimum Amount$20,000 per accident |
| UM/UIM bodily injury | What it coversYour medical expenses an uninsured or underinsured driver causes | Minimum Amount$25,000 per person $50,000 per accident |
| Personal Injury Protection (PIP) | What it coversYour medical costs due to an accident, plus lost wages and death benefits, regardless of who's at fault. | Minimum Amount$15,000 |
While these are Oregon's minimum required car insurance limits, higher coverage amounts may better protect your family's financial wellbeing. Learn how much car insurance you may need based on your circumstances and preferences.
Is Oregon a no-fault state?
No. Oregon is an at-fault state, which means the party responsible for an accident must cover the injuries of the other driver and their passengers. Learn more about what happens if you're at fault in an accident.
How much is car insurance in Oregon?
In 2023, the cost of a Progressive liability-only auto policy (single driver/single car) in Oregon was an average of $110 per month.* Your driving record, the coverages and limits you select, and many more factors determine the rate you pay for car insurance.
Ready to make the switch? Drivers nationwide who switch and save with Progressive save over $800 on average.† Get an auto insurance quote today.
What is the best car insurance in Oregon?
Finding the best car insurance in Oregon means taking the time to compare equal coverages, limits, deductibles, and discounts. Progressive offers plenty of incentives to help drivers in Oregon get the best car insurance. Our auto insurance customers earn an average of seven discounts, and we're the #1 combined personal and commercial auto insurance company.**
If you're looking for the cheapest car insurance in Oregon, here's how much drivers countrywide who save after switching to Progressive save on average compared to their previous auto insurer:
- Allstate customers who switch and save with Progressive save $920 on average††
- GEICO customers who switch and save with Progressive save $757 on average§
- State Farm customers who switch and save with Progressive save $661 on average‡
How do I lower my car insurance cost in Oregon?
To lower your car insurance cost in Oregon, you may qualify for the following discounts through Progressive:
- Multi-policy
- Multi-car
- Five-year claim-free
- Online quote
- Homeowner
- Teen driver
- Paid in full
See all our auto insurance discounts.
Pro tip:
Save when you bundle! One way to get cheap car insurance in Oregon is to combine your auto and home policies with Progressive — new customers who save bundling home and auto insurance save over 20% on average nationwide.†
Additional car insurance coverages to consider
If you're leasing or financing a vehicle, most lenders require you to carry comprehensive auto coverage and collision coverage in addition to Oregon's state-required coverages. Comprehensive and collision pay to repair or replace your car regardless of fault, if it’s in an accident, gets stolen, or is otherwise damaged due to a covered accident. It also makes sense to add these physical damage coverages if you're not sure you can afford a new car or major repairs after an accident.
Explore all our car insurance coverages and our car insurance calculator to find which ones are recommended for you.
Oregon driving resources
From Eugene to Medford, get to know Oregon's driving laws and resources. These resources apply to Hillsboro, Bend, and everywhere in between. Local municipalities may have additional laws and resources.
- Oregon Driver and Motor Vehicles Division: Find out how to get or renew your Oregon license and registration.
- Oregon driver manual: Review Oregon's safety tips for driving, plus traffic and parking regulations.
- Oregon driving FAQs: Get answers to your questions about licenses and ID cards, vehicle registration, changing your address, vehicle titles, and more driver resources.
- Car insurance resource center: Learn more about how car insurance works, from terms and definitions to savings tips.
How to get car insurance in Oregon
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