Oregon drivers pay around $2,121 a year for full coverage — about 21% under the national average — but the state requires PIP and uninsured/underinsured motorist coverage, lifting its minimum cost to the national average. Oregon follows an at-fault model. Here's the coverage you must carry, what Oregonians pay, and how to save.
Oregon uses an at-fault (tort) framework but still requires add-on personal injury protection ($15,000) and uninsured/underinsured motorist coverage alongside its 25/50/20 liability minimum — the reason its minimum cost lands right at the national average even though full coverage runs well below it. Full coverage averages roughly $2,121 a year, with Portland-area traffic and wildfire exposure as the main cost factors. Credit history is a permitted rating factor.
The coverages below are the minimum a driver must legally carry in Oregon. Source: Bankrate minimum-coverage requirements and state insurance department filings.
| Coverage | Minimum limit | Notes |
|---|---|---|
| Bodily injury liability | $25k / $50k | Per injured person / per crash |
| Property damage liability | $20k | Mandatory |
| Personal injury protection | $15,000 | Mandatory add-on PIP |
| Uninsured / underinsured motorist | $25k / $50k | Compulsory in Oregon |
Independent market estimates based on Bankrate's 2026 rate data and NAIC filings, shown against the U.S. average. Actual rates vary by ZIP, carrier, and individual profile.
| Coverage level | Est. annual premium | vs. U.S. avg. | Notes |
|---|---|---|---|
| Full coverage | $2,121/yr | 21% below U.S. | Comprehensive and collision included |
| Minimum coverage | $841/yr | ≈U.S. average | Bundles PIP + UM/UIM |
Estimates apply national rate-increase multipliers to Oregon's full-coverage average. Approximate (“~”) figures multiply the state average by a national factor and will vary by carrier.
| Driver profile | Est. annual premium | vs. state avg. | Notes |
|---|---|---|---|
| Clean record, 30–45 | ~$2,121/yr | Baseline | Statewide full-coverage average |
| One at-fault accident | ~$3,033/yr | +43% | 2,121 × 1.43 per Bankrate |
| Speeding ticket | ~$2,630/yr | +24% | 2,121 × 1.24 per Bankrate |
| DUI on record | ~$3,987/yr | +88% | 2,121 × 1.88 per Bankrate |
| Young driver (18–24) | ~$4,242/yr | ≈2× | About double per Bankrate |
| Poor credit score | ~$3,606/yr | +70% | 2,121 × 1.70 per Bankrate |
ⓘ Source: Bankrate 2026 rate data and NAIC filings. Figures are independent estimates, not quotes. Verify pricing with a licensed agent or carrier.
Oregon's required PIP and UM/UIM make its minimum policy unusually protective for an at-fault state — covering your own injuries and uninsured-driver risk — which is why it costs more than the bare-liability minimums elsewhere. Full coverage, by contrast, runs well below average. With credit and ZIP code driving differences between carriers, comparison shopping is the most reliable way to lock in Oregon's lower full-coverage baseline.
Oregon offers below-average full coverage paired with a protective (PIP + UM) minimum. Weighing carriers and keeping your credit healthy is the best way to secure a competitive Oregon rate.
Disclaimer: RateWire is an independent lead generation and comparison service. Rate figures for Oregon are independent market estimates compiled from publicly available Bankrate, NAIC, and state regulatory data — not quotes. Coverage requirements summarized here are for general information only and may change; always confirm current minimums with the Oregon insurance department. By submitting your ZIP code, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile. Always verify coverage terms and pricing directly with a licensed agent before purchasing.