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
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
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.
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.
Uninsured Motorist Rate in OR
The uninsured motorist rate in OR ranked 38th in the nation in 2009.
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.
Motorcycle Helmet Laws in OR
Motorcycle helmets required for all riders.
Driver's License Renewal Cycle in OR
Renewal cycle: 8 years
Oregon Auto & Driver Facts
Oregon Automotive Facts
Speed Limits in OR
Rural interstates: 65 mph (Trucks: 55 mph)
[ 7] Urban interstates: 55 mph
[ 7] Other roads: 55 mph
Motor Fuel Consumption in OR
Oregon cities collectively ranked 31st in the nation in total motor fuel consumption in 2011.
Oregon Licensed Drivers
Licensed Drivers in OR [ 10]
Total Drivers: 2,773,956
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
Oregon has a population of approximately 3,831,074, which ranks 27th in the U.S. among all states.
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?
Under secondary laws, a police officer must have some other reason to stop a vehicle before citing a driver for that offense.
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