Oregon

Oregon requires minimum liability of 25/50/20 — $25,000 bodily injury per person, $50,000 bodily injury per accident, and $20,000 property damage. These are state minimums; consumer advocates typically recommend higher limits (100/300/100) to cover serious injuries.

Bodily injury liability in Oregon pays for medical bills, lost wages, and pain-and-suffering damages owed to people YOU injure in an at-fault crash. The minimum is $25,000 per injured person and $50,000 total per accident. These are caps on what your insurer will pay; you are personally liable for damages above the policy limit.

Property damage liability in Oregon pays for damage YOU cause to other people's vehicles, fences, buildings, and other property. The minimum is $20,000 per accident. Given the rising cost of vehicles and repairs, this minimum often falls short of a single luxury vehicle's repair bill.

Oregon REQUIRES uninsured/underinsured motorist (UM/UIM) coverage on every auto policy. UM bodily injury coverage at 25/50 is mandatory on every Oregon policy. UM/UIM coverage protects YOU and your passengers when an at-fault driver has no insurance or insufficient limits to cover your injuries.

Oregon REQUIRES Personal Injury Protection (PIP) of at least $15,000. PIP pays your own medical bills, a portion of lost wages, and certain replacement services after a crash, regardless of who was at fault.

Oregon is an add-on PIP state — PIP medical of $15,000 is required, but the tort liability system is preserved.

Self-insurance certificates available for fleets of 26+ vehicles through DMV. SR-22 required for three years after DUII, uninsured accidents, or repeat suspensions.

For the most current minimum auto insurance requirements in Oregon, consult the official source at https://dfr.oregon.gov/. State minimums change periodically; verify current law before relying on these figures.