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Oregon Car Insurance
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Understand Oregon Auto Insurance

Car insurance is mandatory in Oregon. It protects you against financial loss in the event of an accident or theft. In exchange for your premium payment, the insurance company agrees to pay any losses incurred covered under your policy.

Required Oregon Auto Insurance Coverage

Bodily Injury Liability

Pays to repair the other driver’s car if you cause an accident. It also pays medical bills and expenses for the other driver and their passengers.

Property Damage Liability

Pays to repair damaged property, such as another driver’s car, or a fence or a house, in an accident you’ve caused.

Personal Injury Protection

Pays, up to your policy limit, for injuries and related costs to you and your vehicle’s passengers, such as medical bills, hospitalization bills, lost wages, loss of essential services, childcare, and funeral expenses regardless of who’s at fault.

Uninsured Motorist Bodily Injury

Helps pay your, your resident relatives’ and your passengers’ injuries if the other driver is at fault and does not have any, or enough, insurance.

Uninsured Motorist—Property Damage Optional Coverage

Pays, up to your policy limits minus your deductible for damages to your car if the other driver is at fault and does not have any property damage insurance.

Comprehensive Optional Coverage

Pays, up to your policy limit minus your deductible, to repair or replace your car if you damaged something other than a collision. This includes theft, fire, vandalism, storm, contract with animals, and more. Comprehensive coverage also includes Rental Expense coverage automatically.

Collision Optional Coverage

Pays, up to your policy limit minus your deductible, to repair or replace your car if overturned or damaged in a collision with another vehicle or object. Collision coverage also includes Rental Expense coverage automatically.

Rental Expense

Rental Expense coverage is automatically included on any insured vehicles that carry Comprehensive or Collision coverage. If you’re unable to drive your vehicle due to a covered claim, you’ll have the peace of mind that comes from knowing you have alternative transportation.

Roadside Assistance Optional Coverage

Pays, up to your policy limit, for common roadside services if your car is disabled.

Vehicle Manufacturer Replacement Parts Optional Coverage

Pays, up to your policy limit, to repair or replace property or parts with those made for or by the original equipment manufacturer, less your deductible.

Special Vehicle Equipment Coverage Optional Coverage

Pays additional costs above your comprehensive or collision coverage to repair or replace your custom equipment if stolen or damaged.

Oregon Proof of Financial Responsibility and Penalties

Having proof of Financial Responsibility (sometimes called “proof of insurance”) is a necessity when driving in The Beaver State of Oregon. It’s required when registering your vehicle with the DMV and at the request of a law enforcement officer.

As your insurance company, we’re required to notify the Oregon Department of Transportation when your car insurance policy is issued and also when it terminates. The Department of Transportation may also request verification of coverage from you. If you’re unable provide proof, you could face a fine in excess of $100 or even have your license suspended.

Additionally, if you can’t show sufficient proof, need to reinstate your license after it’s suspension or revocation in association with certain convictions, or fail to pay legal damages after an accident, you’ll likely be required to get a Certificate of Financial Responsibility (also known as an SR-22).

Auto Insurance Frequently Asked Questions

Do you need car insurance in Oregon?

Yes. Oregon requires that drivers have a liability insurance policy which provides the following coverage limits (at a minimum):

  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident
  • $20,000 for property damage
Is Oregon a no-fault state?
No. If you’re found to have caused an accident, then you would be financially responsible for the damages that result. That includes damages to property (e.g. other vehicles, structures, etc.) and injuries which others have sustained.
When did auto insurance become mandatory in Oregon?
In 1983, it became mandatory in the state of Oregon for all motorists operating a vehicle to have insurance and provide proof of coverage if stopped for traffic validations.
Do you need proof of insurance to register a car in Oregon?
Yes. You must have proof of insurance to register your vehicle in Oregon.
Is it illegal to drive without insurance in Oregon?
Yes. If you’re convicted of driving without insurance, you could have your license suspended, your vehicles’ registration suspended, be fined up to $1,000, or any combination of the three.
How do I find the right insurance near me?

Getting a car insurance quote with Wawanesa is easy when you live in Oregon. Wawanesa has been trusted by drivers for over 120 years. You can count on us to provide you with the right car insurance coverage to help protect you in an event of an accident or when you need to file a claim.

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Have more questions on auto insurance? Visit our FAQs page to find answers on common questions relating to coverage, making a claim, and more.

Auto Insurance FAQs

Disclaimer

Please note that this website provides only a summary of auto insurance to generally illustrate how auto insurance works. Your insurance policy is the legal contract containing the terms and limitations of your coverage. Any coverage provided by a Wawanesa General Insurance Company policy is subject to the terms, conditions, exclusions and endorsements of your insurance policy.