Auto Insurance Minimum Requirements
Oregon requires all drivers to carry minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $20,000 for property damage — commonly written as 25/50/20. Oregon is a tort (at-fault) state, which determines how fault and claims are handled after a collision. Uninsured motorist coverage is mandatory. Personal Injury Protection (PIP) is required at a minimum of $15,000.
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.
Fine
Up to $1,000
License / Registration
Suspension: Yes (1 year)
SR-22 Required After
Yes
What is the minimum car insurance required in Oregon?
Oregon requires minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $20,000 for property damage. This is written as 25/50/20 coverage.
Is Oregon a no-fault state?
No, Oregon is a tort (at-fault) state. The driver responsible for the accident is liable for damages, and claims are filed against their insurance.
Is uninsured motorist coverage required in Oregon?
Yes. Oregon requires uninsured motorist (UM) coverage. UM is strictly required for bodily injury claims at a minimum limit of 25/50.
What happens if I drive without insurance in Oregon?
Driving without insurance in Oregon can result in fines of Up to $1,000 and license/registration suspension (Yes (1 year)). An SR-22 certificate is typically required to reinstate your driving privileges.
Do I need an SR-22 in Oregon?
SR-22 filings are used in Oregon for high-risk drivers following events like DUI convictions, serious violations, or driving without insurance. An SR-22 is a certificate of financial responsibility filed by your insurer — it is not a type of insurance policy. Required for a mandatory 3 years following severe structural infractions or a DUI conviction.
What does 25/50/20 mean in Oregon?
These numbers represent your liability limits: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $20,000 for property damage. These are the legal minimums — purchasing higher limits provides greater financial protection.
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Official Source
Oregon Department of Transportation Driver and Motor Vehicle Services
More Oregon Resources
Data Methodology
DataTactic researchers verify auto insurance minimum requirements directly against official government sources — Oregon Department of Transportation Driver and Motor Vehicle Services publications, state statutes, and agency websites. Each data point is cross-referenced against primary sources before publication. Records are reviewed and updated when laws or requirements change.
Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.