Oregon

Auto Insurance Minimum Requirements

25/50/20

Liability Limits

No-Fault

$15,000

PIP Minimum

UM Only

Uninsured Motorist

Full Requirements

Bodily Injury (per person)$25,000

Bodily Injury (per accident)$50,000

Property Damage$20,000

Uninsured Motorist RequiredYes

Underinsured Motorist RequiredNo

PIP RequiredYes — $15,000 minimum

No-Fault StateNo (tort)

MedPay RequiredNo

SR-22 FilingsYes (for high-risk drivers)

Effective Date2015-01-01

Important Notes

Oregon mandates an expanded $15,000 Personal Injury Protection framework while retaining a fault-based tort liability system.

Uninsured / Underinsured Motorist

UM is strictly required for bodily injury claims at a minimum limit of 25/50.

SR-22 Filings

Required for a mandatory 3 years following severe structural infractions or a DUI conviction.

Alternatives to Insurance

A $60,000 cash or securities deposit submitted to the DMV.

Official Source

Oregon Department of Transportation Driver and Motor Vehicle Services

Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.