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The Oregon Department of Motor Vehicles and local law enforcement are responsible for administering Oregon car insurance laws. Before registering any vehicle in Oregon you must show proof of insurance and continue to maintain auto insurance at all times which conforms to state minimum requirements. Oregon car insurance laws (2010) require all vehicles to carry liability insurance with at least:

Liability Insurance

  • $25,000 per accident involving one injured person
  • $50,000 combined liability coverage per accident
  • $20,000 property damage

PIP (Personal Injury Protection)

  • $15,000 to pay reasonable and necessary medical expenses for a minimum of one year following a car accident (per person)

Uninsured Motorist Coverage

  • $25,000 per accident (per person)
  • $50,000 total coverage per accident (all persons)

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