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Oregon Minimum Car Insurance and Penalties for Driving Without It
The short answer
Oregon requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $20,000 for property damage (25/50/20). Other required coverage: PIP $15,000, UM/UIM.
Oregon at a glance
| Minimum liability | $25,000 per person and $50,000 per accident for injuries, and $20,000 for property damage (25/50/20) |
|---|---|
| Other required coverage | Personal injury protection (PIP) is required, including up to $15,000 per person for medical expenses, 70 percent of lost income up to $3,000 per month for up to 52 weeks, and up to $5,000 for funeral costs. Uninsured motorist coverage, including underinsured coverage, is required at your bodily injury limits unless you choose lower limits in writing, never below the minimums. |
| First offense for driving uninsured | Driving uninsured is a Class B traffic violation with a fine of up to $1,000; the presumptive fine is $265, or $525 in a highway work zone, school zone or safety corridor. After conviction you must file proof of financial responsibility (SR-22) and keep it for one year, or your license is suspended until you file. There is no jail. |
| Repeat offense | Not confirmed on a state source; ask the agency |
| Fee to restore after a lapse | Not confirmed on a state source; ask the agency |
Penalties depend on the court and your record; your citation or notice decides what applies to you.
FAQ
What is the minimum car insurance in Oregon?
Oregon requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $20,000 for property damage (25/50/20). Other required coverage: PIP $15,000, UM/UIM.
What happens if you drive without insurance in Oregon?
Driving uninsured is a Class B traffic violation with a fine of up to $1,000; the presumptive fine is $265, or $525 in a highway work zone, school zone or safety corridor. After conviction you must file proof of financial responsibility (SR-22) and keep it for one year, or your license is suspended until you file. There is no jail.