Insurance in OR

State-specific guides, common questions, and licensed agencies that cover OR.

Oregon insurance regulator

The state office that licenses insurers and agents and handles consumer complaints. It can look into problems like claim delays or unfair treatment, but it does not act as your lawyer.

File a complaint Look up an agent or company license

Links checked Sep 12, 2026. Sites change — tell us if a link is broken.

Minimum car insurance in Oregon

25/50/20

This is the least coverage the law requires. It often isn’t enough to pay for a serious accident, and anything above your limits can come out of your own pocket.

Bodily injury liability, per person: $25,000
Bodily injury liability, per accident: $50,000
Property damage liability: $20,000
Personal injury protection (PIP): PIP: $15,000 medical, 70% of lost income up to $3,000/mo, $5,000 funeral
Uninsured motorist coverage: Required

UM must equal BI limits unless you elect lower in writing, but not below 25/50.

Source: Oregon Revised Statutes Chapter 806 · ORS 806.070; ORS 742.502; ORS 742.520; ORS 742.524 · Reviewed Sep 13, 2026