Oregon Auto Insurance Guide

In Oregon, as in most other states, there are strict laws and regulations governing the driving of automobiles and motorcycles on state roads and highways. These laws also mandate certain types and levels of insurance related to automobiles that must be purchased and maintained by the vehicle owner. Unlike many other states, Oregon does not have a provision which allows residents to leave a deposit or bond with the state in order to self-insure.

Oregon Insurance Regulations

Oregon law requires that once you have an insurance policy for your vehicle you will have to carry proof of it in your car and present that proof to a police officer upon demand. Proof of auto insurance in Oregon may also be required in order to register your vehicle or for other vehicle-related transitions such as receiving an emissions test. Besides your basic liability insurance, Oregon also requires that drivers carry Personal Injury Protection (PIP) as well as uninsured motorist coverage. The state randomly conducts checks every month, requiring drivers to submit information about their insurance policies to the state. Refusal or failure to comply with this request for information will result in a suspension of driving privileges.

Mandatory Minimum Coverage in Oregon

In Oregon, the auto insurance requirements demand that the following levels of coverage be kept at all times:

• $25,000 - bodily and property damage protection
• $10,000 - for property damage
• $50,000 - Maximum bodily injury liability protection
• $15,000 - Personal Injury Protection insurance
• $25,000 - Uninsured/Underinsured motorist coverage

Motorcycle Coverage Requirements

In Oregon, there are no special exceptions or exemptions made for motorcycle drivers - they must carry the same levels of coverage as owners of automobiles.

Oregon State Auto Insurance Advice

The scope of Oregon auto insurance requirements are somewhat extensive and can make the driving privilege an expensive one when compared to other states. In an attempt to mitigate some of these costs the Oregon state legislature has passed certain laws dealing with the control of insurance policy amounts that can be charged in the state as well as restrictions for how policies can be increased by insurers.