Oregon Auto Insurance

Three reasons an Oregon auto policy is not a 25/50/20 policy

1
PIP is required, and it pays without waiting for fault
Oregon requires at least $15,000 of personal injury protection on every policy. It pays medical bills for you and your passengers regardless of who caused the crash, which is why an Oregon quote comes in differently from an identical car in Idaho. If you have a high-deductible health plan, that $15,000 is doing more work than you think.
2
Uninsured motorist coverage is mandatory, not optional
Oregon requires uninsured motorist coverage at 25/50 — you cannot decline it. What you can do is raise it, and most people who ask discover that matching it to their liability limit costs very little. It is the coverage that answers when the driver who hit you had nothing.
3
Ice storms are a comprehensive claim, not a collision claim
The February 2021 and January 2024 ice storms dropped trees onto thousands of parked cars across the Willamette Valley. A tree onto a parked car is comprehensive. Sliding into a guardrail is collision. They carry separate deductibles on most policies, and a liability-only policy pays for neither.

How PIP works alongside your health insurance

Oregon PIP generally pays medical expenses first, up to its limit, and can also cover wage loss and some household services while you recover. It applies to you, your household and your passengers. Because it pays before fault is settled, it is the part of the policy that actually gets used after a minor crash — and raising it above the $15,000 floor is one of the cheaper upgrades available on an Oregon policy.

Studded tires, the wet season and the commute question

Studded tires are legal in Oregon only between 1 November and 31 March. Outside that window they carry a fine. More to the point for a quote: the dark wet commute on I-5 and I-205 is where Oregon rear-end claims cluster, so the annual mileage and the one-way commute distance you give matter more to the rate than most people realize. Give the real numbers.

Rideshare and delivery in Portland

A personal auto policy generally stops covering you as soon as you log into a driving app and wait for a request. Some carriers sell an endorsement for that gap; others will not write the vehicle at all if it is used that way. Say it on the call rather than at claim time, because this is the omission that voids claims.

Have these ready when you call

Five minutes on the phone goes faster with the paperwork in front of you.

Year, make, model and VIN for every vehicle
Driver license numbers for everyone who will drive
The exact date your current policy ends, so the new one starts without a gap
Annual mileage and the one-way commute distance
Any ticket or at-fault accident in the last three to five years
Whether you want PIP above the $15,000 Oregon minimum
Whether any vehicle is used for rideshare, delivery or other paid driving

📞 Call 866-347-8683 Request a quote online

Frequently asked questions

What is the minimum car insurance in Oregon?

Liability of $25,000 per injured person, $50,000 per accident and $20,000 property damage, plus at least $15,000 of personal injury protection and uninsured motorist coverage at 25/50. Oregon mandates all three, which is unusual.

Is Oregon a no-fault state?

No. Oregon requires PIP but keeps the at-fault liability system, so you can still pursue the other driver. PIP simply means your own medical bills get paid without waiting for that to be resolved.

Can I decline uninsured motorist coverage in Oregon?

No. It is required at 25/50, and raising it to match your liability limits is usually inexpensive.

When are studded tires legal in Oregon?

Between 1 November and 31 March. Running them outside that window is a traffic fine, and it has nothing to do with your insurance — but it comes up often enough to be worth saying.

Other Oregon coverage

Oregon homeowners insurance Oregon condo and townhome insurance Oregon renters insurance ← All personal insurance

Three reasons an Oregon auto policy is not a 25/50/20 policy

PIP is required, and it pays without waiting for fault

Uninsured motorist coverage is mandatory, not optional

Ice storms are a comprehensive claim, not a collision claim