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Oregon Car Insurance Resources

Oregon Car Insurance

Car Insurance Rates in OR

^ From 2006 to 2010, Oregon cities had the 28th highest auto insurance rates in the nation. [2]

Car Insurance in OR by City

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Cars Insured in OR

^ Oregon ranked 28th of all U.S. states in total auto insurance policies in 2011. [1]

OR Car Insurance

Car Insurance in Oregon

Car Insurance Liability Requirements in Oregon

  • Minimum Liability Limits in OR: 25/50/20 [4]
    • 25  Required coverage up to $25,000 for one individual injured in an accident
    • 50  Required coverage up to $50,000 for all persons injured in an accident
    • 20  Required coverage up to $20,000 for property damage in an accident
    • Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.

Required Car Insurance Coverage in Oregon

Required Car Insurance Coverage in Oregon
  • Auto Insurance Coverage Requirements in OR [4]
    • Bodily injury liability coverage
    • Property damage liability coverage
    • Uninsured motorist coverage
    • Underinsured motorist coverage
    • Personal injury protection coverage
    • Note: Underinsured motorist coverage is mandatory when uninsured motorist liability limit is greater than the required financial responsibility.

Car Insurance Verification Laws in Oregon

  • Insurer Verification of Auto Insurance in OR [4]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
    • Insurer must verify randomly selected insurance policies upon request.

Oregon Car Insurance Facts, Estimates & Related Laws

Oregon Car Insurance Facts

Oregon Car Insurance Facts, Estimates & Related Laws
  • Average Car Insurance Rates in OR
    • Oregon had the 26th highest auto insurance rates in the nation in 2010. [2]
    • Rates in OR ranked 26th in the nation in 2009. [2]
    • In 2008, OR had the 27th highest rates in the country. [2]
  • Number of Auto Insurance Policies in OR
    • Oregon ranked 28th in the nation in auto insurance policies in 2011 with a total of 2,687,350. [1]
  • Uninsured Motorist Rate in OR
    • The uninsured motorist rate in OR ranked 38th in the nation in 2009. [3]

Oregon Distracted Driving Laws

  • Hand-held phone ban? Yes
    • hand-held phone ban in place for all drivers. [7]
  • Texting-while-driving ban? Yes
    • Texting-while-driving ban in place for all drivers. [7]
  • Young drivers cell phone ban? Yes
    • Ban applies to drivers younger than 18. [7]
  • Bus driver cell phone ban? No
  • Enforcement of laws:
    • Primary enforcement in effect. [7]
    • With primary enforcement, a police officer can pull over a driver for that specific offense.
    • Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.

Oregon Automotive Laws

  • Safety Belt Laws in OR
    • Safety belt laws have been in place since 1990 and apply to drivers/passengers 16+ years in all seats. [7]
    • Child restraint law in place for younger than 1 year or less than 20 pounds in rear facing child safety seat; 7 or younger and 40 pounds or less in child safety seat; more than 40 pounds but 4-feet-9 inches or less in booster. [7]
  • Motorcycle Helmet Laws in OR
    • Motorcycle helmets required for all riders. [7]
  • Driver's License Renewal Cycle in OR
    • Renewal cycle: 8 years [7]

Oregon Auto & Driver Facts

Oregon Automotive Facts

Oregon Auto & Driver Facts
  • Speed Limits in OR
    • Rural interstates: 65 mph (Trucks: 55 mph) [7]
    • Urban interstates: 55 mph [7]
    • Other roads: 55 mph [7]
  • Motor Fuel Consumption in OR
    • Oregon cities collectively ranked 31st in the nation in total motor fuel consumption in 2011. [9]

Oregon Licensed Drivers

  • Licensed Drivers in OR [10]
    • Total Drivers: 2,773,956
    • Female: 1,392,461
    • Male: 1,381,495
    • OR has the 28th most drivers in the U.S.
  • Minimum Driving Age in OR [5]
    • Oregon has a minimum driving age of 15 years.

Oregon Auto Registrations

  • Auto Registrations in OR [8]
    • Registered Cars: 1,472,348
    • Registered Trucks: 1,542,955
    • Registered Motorcycles: 108,317
    • Total Registrations: 3,128,120
    • Rank: Oregon ranked 29th in the United States in total auto registrations in 2011.

Additional information about Oregon

About Oregon

Oregon has a population of approximately 3,831,074, which ranks 27th in the U.S. among all states. [6]

OR Car Insurance

More about Oregon auto insurance

For more information about auto insurance in OR, or for additional resources regarding Oregon car insurance, visit the Oregon Department of Insurance.

Did you know?

As of July 2013, 26 U.S. states had laws that allow drivers to show proof of insurance electronically on smartphones.


1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Insurance Institute for Highway Safety (IIHS)

6. ^ United States Census Bureau

7. ^ IIHS & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ U.S. Department of Transportation

10. ^ Federal Highway Administration

Oregon Cities