Affordable Oregon car insurance that puts you first
Root rewards Oregon drivers with lower rates, makes managing insurance simple, and gives you flexibility to choose auto insurance coverage that fits your needs.
Better auto insurance rates
Drivers who switch can save up to $1,300 a year on car insurance with Root. Get your personalized Oregon auto insurance quote. It’s easy to see if you could save.
Customizable coverage options
Choose the coverage options and limits that work for you, your car, and your budget. Available coverages vary by state, and you can adjust your policy as your needs change.
Manage your policy in the app
Access your Oregon auto insurance policy, view your insurance cards, and file a claim in as little as 3 minutes right from Root’s convenient mobile app.
Driving in the Beaver State
Oregon drivers can go from Portland traffic to Pacific Coast views without leaving the state. Eugene, Salem, Bend, and Medford add everything from valley interstates to mountain routes.
Through the Willamette Valley: I-5 connects Portland, Salem, and Eugene before continuing south toward Medford and California.
Coast to Cascades: US 101 traces the coastline, while routes east toward Bend and Central Oregon cross mountain terrain and changing elevations.
Check TripCheck: TripCheck provides Oregon road conditions, closures, and travel information, especially useful before mountain or winter drives.
From Portland to Eugene and beyond: Explore Oregon car insurance from Root.
Oregon's minimum auto insurance requirements
Drivers in Oregon are required to carry Liability, Personal Injury Protection (PIP), and Uninsured/Underinsured Motorist (UM/UIM) coverage. You must be able to show proof of insurance if you’re stopped by a police officer, in a car accident, and when you register your vehicle or renew your registration. An electronic version of your ID card, like the one found in the Root app, is an acceptable form of proof.
If you’re found driving without these required coverages you can face fines, suspension of your driver’s license, and towing of your vehicle.
The minimum coverage amounts for liability, PIP, and UM/UIM car insurance required for drivers in Oregon are [1]:
Bodily injury liability
$25,000 per person
$50,000 per accident (multiple people injured)
Property damage liability
$20,000 per accident
Personal injury protection
$15,000
Uninsured/underinsured motorist coverage
$25,000 Bodily Injury per person
$50,000 Bodily Injury per accident (multiple people injured)
Types of Oregon auto insurance we offer
Explore our Oregon car insurance coverage options available below. You can update your policy anytime in the Root app.
Liability coverage
Liability coverage pays for another person’s injuries or property damage when you’re responsible for an accident.
Collision coverage
Get your car repaired or replaced after a collision with another vehicle or object regardless of who was at fault. Add optional rental coverage.
Comprehensive coverage
Protect your car from damage beyond collisions, including theft, vandalism, severe weather, fire, and falling objects.
Personal Injury Protection (PIP) coverage
Required in Oregon, PIP covers eligible medical expenses and/or lost wages for you and your family members after an accident, regardless of fault.
Uninsured motorist coverage
Stay protected if you’re in an accident with a driver who doesn’t have insurance or enough coverage to pay for eligible injuries or damages.
Roadside assistance coverage
Roadside assistance gets you back on the road when you're stranded, with services like towing, jump-starts, and tire changes.
What is the average cost of car insurance in Oregon?
The average Oregon driver pays $2,048 per year for full coverage car insurance [2].
Root customers looking to purchase Oregon car insurance could save up to $1,300 a year.
Get a quote in under 5 minutes.
Oregon Auto Insurance FAQs
What is the minimum car insurance required in Oregon?
To legally operate a vehicle in Oregon, you must carry liability insurance, Personal Injury Protection (PIP), and uninsured/underinsured motorist coverage.
To avoid serious expenses in the event of a major accident, you should consider coverage that protects:
You and your passengers (PIP coverage).
Your vehicle (collision and comprehensive)
However, liability insurance, Personal Injury Protection (PIP), and uninsured/underinsured motorist coverage are the only coverages you are legally required to select when purchasing auto insurance in Oregon.
Is it legal to drive without insurance in Oregon?
No, you cannot legally drive without auto insurance in Oregon. State law requires every driver and vehicle owner to maintain continuous liability insurance, Personal Injury Protection (PIP), and uninsured/underinsured motorist coverage and carry proof of it inside the vehicle. If you’re found driving without insurance, your driver’s license or vehicle registration could be suspended.
Do you need insurance to register a vehicle in Oregon?
Yes. Oregon requires vehicles to be insured in order to be registered, and you’ll need to keep that coverage in place for as long as the vehicle is registered. Letting your insurance lapse on a registered vehicle can lead to penalties, including suspension of your registration.
How do I lower my car insurance rate in Oregon?
The easiest ways to save on your Oregon car insurance premium are to drive safely, compare car insurance quotes, and review your coverage and deductible to find opportunities to save. With Root, you can get a personalized car insurance quote in minutes and explore coverage options that fit your needs and budget in the Beaver State.
Is Oregon a no-fault car insurance state?
No, Oregon is not a no-fault state. It is an at-fault (or fault-based) state for car accidents. The driver who causes the crash is responsible for paying for medical bills, car repairs, and other damages through their insurance. However, Oregon does require drivers to carry Personal Injury Protection (PIP), which helps pay for your own injury-related expenses regardless of fault.
Is auto collision insurance required in Oregon?
Oregon law does not require drivers to carry collision coverage. The state only requires minimum liability insurance, Personal Injury Protection (PIP), and uninsured/underinsured motorist coverage. Still, when comparing auto insurance quotes, consider adding collision protection to help pay for repairs to your vehicle after an accident, regardless of who caused it.
Is uninsured / underinsured motorist coverage required in Oregon?
Yes, Oregon requires drivers to carry uninsured/underinsured motorist coverage. It helps pay for injuries (and, depending on your policy, vehicle damage) when the at-fault driver has no insurance or not enough coverage. You can review your uninsured/underinsured motorist coverage options, including higher limits, in our app.
Does Root offer full coverage car insurance in Oregon?
There’s actually no such thing as “full coverage” in the auto insurance industry, but the term usually refers to combining liability (Bodily Injury and Property Damage), collision, and comprehensive. Root offers all of these coverages.
Who needs SR-22 insurance in Oregon?
High-risk Oregon drivers may be ordered by a court or Oregon DMV to provide an SR-22 after serious violations such as DUI, DWI, or driving without insurance.
An SR-22 is not insurance, but a certificate your auto insurer files to prove you carry the state-required minimum coverage. For high-risk drivers, failing to maintain it can result in license suspension.
Is personal injury protection (PIP) required in Oregon?
Yes, personal injury protection is required in Oregon. Even though Oregon is an at-fault state, drivers must carry personal injury protection (PIP) with at least $15,000 per person. PIP helps pay medical expenses and some lost income for you and your passengers, no matter who caused the accident.
How does the Oregon DMV verify car insurance?
The Oregon DMV verifies the insurance status of drivers in the state every month by requesting a random selection of drivers to provide the name of their insurance company and their policy number. The DMV verifies this information with the insurance company identified by the driver. If the DMV selects you to provide this information and you don't respond within 30 days, your license will be suspended. If you’re caught responding with false information, you'll be required to file an SR-22 for three years.
What happens if I'm partly at fault for an accident in Oregon?
Oregon uses a modified comparative negligence rule with a 51% bar. You can recover damages as long as you're not more at fault than the other party, though your compensation is reduced by your share of fault. If you're found 51% or more at fault, you can't recover damages.
Helpful resources for Oregon drivers
Oregon Driver and Motor Vehicle Services
Oregon DMV issues driver's licenses and ID cards, manages vehicle titles and registrations, and maintains driving records.
Oregon Department of Transportation
Oregon Division of Financial Regulation
The Division of Financial Regulation regulates insurance in Oregon and helps consumers with insurance questions and complaints.
Start saving on car insurance
Get a quote and get on the road in less than 5 minutes with Root. It’s practical, simple, and fast car insurance for drivers who have more important stuff to do.
References
Oregon Driver & Motor Vehicle Services. Insurance Requirements.
Insure.com. Annual average rates were compiled in 2026.