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Oregon Car Insurance Laws

Auto insurance laws vary from state to state, and what is required in one state may not be required in another so it is important to know the regulations in Oregon. The penalties and fines for not having proper insurance can be expensive so make sure you know what is required in Oregon.

OR Auto Insurance Laws and Regulations:

Oregon Department of Consumer and Business Services, Insurance Division
350 Winter St NE Room 440
Salem, OR 97301

Minimum Car Insurance Coverage in OR:

$25,000 for injury/death to one person

$50,000 for injury to more than one person

$10,000 for damage to property

OR Insurance is Not Required on:

Off-highway vehicles

Non-registered nonoperational vehicles


OR Uninsured Penalties:

The Oregon Department of Motor Vehicles sends out random requests to ensure compliance whereby you may receive notice in the mail requesting proof of coverage for your automobile. Failure to respond to these requests may result in your driver's license being suspended. In addition to this suspension, the DMV will send a notice to the local district attorney and you will be charged with a Class A misdemeanor which can result in fines, and a jail-sentence or possibly both. If you are subsequently convicted of this charge of driving without insurance you will have to spend a minimum of 3 days in jail in addition to paying fees and penalties.

Once you have been found to be without insurance, you will be required to keep proof of insurance on file with the state for a minimum of three years. This is an SR-22 filing that your insurance company will have to maintain with the state (resulting in higher insurance fees for you most likely) that certifies that you are insured. If you allow it to lapse, your driver's license will be suspended again with stiff penalties requiring payment in order to get it restored.

If you are involved in an accident and you don't have the required levels of insurance you will lose the right to drive for at least one year. After this suspension, you will have to maintain an SR-22 filing for three years in order t keep your license from being suspended again for non-compliance which, again, can result in hefty fines and penalties in order to have it restored.


OR Department of Insurance Contact Information:

1-503-947-7980

OR State Insurance Department Website:





Directory of Oregon Auto Insurance Agents by County

Baker
Benton
Clackamas
Clatsop
Columbia
Coos
Crook
Curry
Deschutes
Douglas
Gilliam
Grant
Harney
Hood River
Jackson
Jefferson
Josephine
Klamath
Lake
Lane
Lincoln
Linn
Malheur
Marion
Morrow
Multnomah
Polk
Tillamook
Umatilla
Union
Wallowa
Wasco
Washington
Wheeler
Yamhill

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