Oregon Department of Transportation : Insurance Requirements : Oregon Driver & Motor Vehicle Services : State of Oregon (2024)

FAQs

What are the minimum requirements for auto insurance in Oregon? ›

The minimum insurance a driver must have is: Bodily injury and property damage liability. $25,000 per person; $50,000 per crash for bodily injury to others; and.

(503) 945-5000 (Statewide Relay TTY 711) If you have trouble meeting DMV requirements, you may find information about other resources by calling 211.

You must show proof of insurance before a drive test. You can use: A valid insurance card; A current vehicle liability insurance policy or binder; or.

Drivers must be insured if operating a motor vehicle in Oregon. If you own a vehicle, you must certify that you have insurance before you can renew your registration. Oregon law requires that you carry proof of current insurance coverage with you while you are driving.

Full coverage insurance in Oregon is usually defined as a policy that provides more than the state's minimum liability coverage, which is $25,000 in bodily injury coverage per person, up to $50,000 per accident, and $20,000 in property damage coverage.

Oregon Is a "Fault" Car Accident State

This means that the person who was at fault for causing the car accident is also responsible for any resulting harm (from a practical standpoint, the at-fault driver's insurance carrier will absorb these losses, up to policy limits).

There are 35 multiple-choice questions on the knowledge test. You have to answer 28 of them correctly to pass the test. Once you get a driver's license, it will be valid for eight years. You must renew your license at a DMV office every eight years.

All DMV offices are open to the public without an appointment. However, appointments will be given priority.

According to the Oregon DMV teenage driving laws, a 16 or 17-year-old must have had an instruction permit for six months and completed 100 hours of supervised driving experience. If your teen completes and passes an approved driver's ed course, they only need 50 hours of driving experience.

Liability coverage is legally required in Oregon. Liability pays the other driver if you are found at-fault in an accident, covering their injuries, lost wages, and damage to their driver's vehicle. Your liability coverage never pays for your injuries or damages to your own vehicle.

Can I insure a car not in my name in Oregon? ›

Non-owner car insurance provides Oregon's minimum car insurance coverage for people who don't own a car but drive often. In Oregon, non-owner insurance can pay for injuries and property damage that you cause others, but it won't pay for damage to the borrowed car.

Oregon's No-Pay, No-Play law is similar to those of other states. Driving uninsured results in the forfeiture of the right to sue for non-economic losses. If the at-fault driver is under the influence, driving recklessly, or causing a collision intentionally, the law is voided.

State Farm offers the best car insurance in Oregon for its low rates and variety of discounts. Oregonians pay about $953 per year for minimum coverage and $1,925 per year for full-coverage insurance.

A person without a license or driver permit may operate a road roller or road machinery that is not required to be registered under the laws of this state.

If you drive a vehicle in Oregon, then you are required to carry at least a minimum amount of insurance including: bodily injury and property damage liability, personal injury protection, and uninsured motorist.

It is best to immediately notify your insurance company. However, you will typically have 14 days to tell your insurance company about a newly acquired vehicle.

Car insurance coverages that may be required in your state include: Liability insurance: Almost all states require a minimum amount of liability insurance. This coverage helps pay for any injuries or damages you cause in a car accident, including those of the other driver and their passengers.