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Oregon Auto Insurance
Purchasing auto insurance in Oregon can seem like a chore and a costly process. It’s true that Oregon driving laws are complex, but there is help out there. If you are looking for cheap auto insurance or just help understanding what to expect, read on.
Car Insurance Requirements in Oregon
Oregon minimum auto insurance requirements are a must ““ you cannot have less than this amount of coverage and operate a vehicle on the road. However, Oregon car insurance laws are not the best option for most drivers. Many will need to purchase additional coverage. Here’s what the state requires of all drivers:
- $25,000 of bodily injury coverage per person
- $50,000 for bodily insurance to others per accident in total
- $20,000 for property damage per accident
- You must carry Personal Injury Protection (PIP) as well.
- You must maintain uninsured motorist coverage of $25,000 per person and $50,000 per crash
Is Oregon an At-Fault State?
Oregon is considered a fault state with PIP car insurance requirements. In the state, you can bring a lawsuit against the party that is at fault before the PIP limits are reached.
Insurance rates change constantly. Find out if you’re eligible for lower premiums from leading providers.
Car Insurance Prices in Oregon
Car insurance rates in Oregon are competitive to most other states. The average full coverage policy with a $1000 deductible will cost $2,182. For liability only, drivers can expect to pay $1,305. The average overall cost is $1,743. Factors such as the vehicle, driver history, and driver age also play a role in these costs.
| Age | Most Popular Vehicle | Gender | Most Common City | ||
|---|---|---|---|---|---|
| 18 – 24 | Ford | Male – 56% | Female – 44% | Portland | ||
| 25 – 54 | Ford | Male – 45% | Female – 55% | Portland | ||
| 55 – 64 | Ford | Male – 43% | Female – 57% | Portland | ||
| 65 + | Ford | Male – 42% | Female – 58% | Portland | ||
* This information is based on Pretected.com users.
Traffic Violations and Fines in Oregon
Speeding Ticket Cost in Oregon
Speeding tickets can be expensive here, but reckless driving in Oregon amplifies the risks. A Class A violation can cost as much as $435 with most speeding tickets costing around $220. It is possible to pay as much as $2,000 for a high-risk reckless driving conviction.
Driving While High Laws in Oregon
Any time an individual is unable to operate a vehicle safely ““ whether from alcohol, illicit drugs, or prescription drugs, that individual can face a ticket and the potential to lose his or her license. While marijuana is legal in the state, if you use the drug and operate a vehicle, and violate traffic laws, you could be charged with a DUI.
Driving Without Car Insurance in Oregon
Drivers must carry proof of meeting Oregon’s auto insurance requirements at all time. Not doing so can lead to fines, driver’s license suspension, and the vehicle being towed.
Texting and Driving in Oregon
A law put in place in 2026 requires drivers to use hands-free devices if necessary. Drivers who violate this law can face fines as high as $2,500 and six months in jail for aggravated incidents. Cell phone use while driving is dangerous, but other forms of distracted driving, such as eating while driving, can carry similar offenses.
It is illegal in the state of Oregon to pump your own gas. Rather, a professional must do this for you.
Oregon Car Accidents
Oregon’s car accident statistics are in line with other states. Take a closer look at car accident statistics in Oregon based on a report from 2026.
Reasons for Car Accidents in Oregon
In Oregon, there were 400 fatal crashes in 2026 with 437 deaths. Among these were 69 deaths of pedestrians and 10 bike riders. Common causes for accidents included rear-ending, t-bones, speeding, and DUIs.
Car Accident Statistics by Vehicle Type in Oregon
In the state, there were 162 drivers killed in passenger vehicles and 113 in pickup trucks or SUVs. Large truck occupants amounted to 10 deaths. There were also 57 deaths of motorcycle riders.
Car Accidents in Oregon ““ More Facts
Of the car accidents in 2026, there were 349 that were single-car accidents while there were 306 that involved more than one vehicle. Additionally, there were 108 drivers killed who had alcohol in their systems.
Bonus: Most Weird, Funny and Ridiculous Traffic Laws in Oregon
- It is illegal for people to pull sleds on their cars ““ or for sled riders to attach themselves to cars that pass them by.
- For all of those busy streets in Oregon, the law offers a solution. It states that people cannot pass through what it calls a traffic congestion thoroughfare ““ or a busy street ““ more than two times per night.
Looking for Auto insurance in Oregon? Compare Between Relevant Insurance Quotes And Save Money Using Pretected’s “Smart Match”:
Insurance rates change constantly. Find out if you’re eligible for lower premiums from leading providers.