Oregon Automobile Insurance Requirements

Apr 21 - 8 min

The ins and outs of the Oregon automobile insurance requirements can be daunting, but understanding these necessities is crucial for all drivers, including those operating trucks, motorcycles, and participating in rideshare programs. Here we outline the important insurance requirements in Oregon to make sure you follow the law and have enough protection.

Oregon Automobile Insurance Requirements

Oregon mandates all drivers to carry liability coverage to legally operate a vehicle. Under state requirements, the minimum amount of liability coverage drivers must have follows the 25/50/20 format. This coverage includes:

Bodily Injury and Property Damage Liability

The minimum insurance requirements for bodily injury and property damage are $25,000 per person. For injury to others, the minimum is $50,000 per crash. For damage to others’ property, the minimum is $20,000 per crash.

Personal Injury Protection (PIP)

$15,000 per person is required, providing coverage regardless of who is at fault. This includes incidents involving pedestrians and bicycles, ensuring protection for a broad range of road users.

Uninsured Motorist Coverage

This coverage mirrors the bodily injury liability minimums at $25,000 per person and $50,000 per crash.

Oregon Commercial Truck Insurance

Commercial vehicles in Oregon must have insurance with at least 25/50/20 coverage. However, they may need additional coverage based on their usage. The insurance coverage required is determined by the specific type of vehicle and its intended use. It must adequately reflect the increased risk and potential for greater financial loss associated with commercial transportation and hauling.

Federal Requirements

The Federal Motor Carrier Safety Administration (FMCSA) sets forth its requirements that supplement state laws. This insurance covers medical treatment and repair costs for victims if a truck driver causes an accident.

The FMCSA mandates that freight forwarders and motor carriers who transport household goods must have cargo insurance. The insurance must have a minimum coverage of $5,000 per vehicle and $10,000 per incident. Additionally, freight brokers and forwarders must secure at least $75,000 in trust fund agreements or surety bonds.

Commodity-Specific Requirements

The FMCSA also enforces commodity-specific financial responsibility requirements, which vary based on the nature of the cargo:

  • $300,000 for transporting household goods
  • $750,000 for general cargo
  • $1,000,000 for oil transport
  • $5,000,000 for hazardous materials transport

Oregon Motorcycle Insurance Requirements

Oregon’s insurance requirements for motorcycles align with those for automobiles, emphasizing the need for bodily injury and property damage liability.

  • Bodily Injury Liability: $25,000 per person / $50,000 per accident
  • Property Damage Liability: $20,000 per accident
  • Personal Injury Protection (PIP): $15,000 per person
  • Uninsured Motorist Coverage: $25,000 per person / $50,000 per accident

When riding a motorcycle, it’s important to consider getting extra insurance like comprehensive and collision coverage. This can help protect you from theft, damage, and injuries, even though it’s not required by law.

Rideshare Insurance Requirements in Oregon

For rideshare drivers in Oregon, understanding insurance requirements is crucial. New laws require ride-sharing companies like Uber and Lyft to offer personal injury protection for both drivers and passengers. Oregon rideshare laws aim to cover medical costs and lost wages in the event of an accident, ensuring timely financial support without the long wait for case settlements .

Not Engaged in a Ride (app on, but no ride accepted):

  • Bodily Injury: $50,000 per person
  • Bodily Injury: $100,000 per accident
  • Property Damage: $25,000 per accident
  • Uninsured Motorist: $25,000 per person and $50,000 per accident

Engaged in a Ride (from the moment a ride request is accepted to the completion of the ride):

  • Combined single limit of $1,000,000 for liability, which encompasses both bodily injury and property damage.

Lyft and Uber provide their own coverage for drivers during all periods of a rideshare trip, adjusting to meet or exceed state limits. Specifically, from the moment a ride request is accepted to the completion of the ride. Both platforms offer liability coverage, contingent collision, and comprehensive coverage, provided the driver’s personal policy includes these as well .

For drivers looking to bridge any potential gaps in coverage, especially during the period the app is on, but no ride accepted, obtaining a rideshare endorsement on their personal auto policy is advisable.

Comprehensive Chart of Oregon Insurance Requirements

Type Of VehicleBodily Injury (Per Person/Per Accident)Property DamageDeath, Bodily Injury, and Property DamagePersonal Injury ProtectionUninsured Motorist (Per Person / Per Accident)
Auto $25,000/$50,000$20,000N/A$15,000$25,000/$50,000
Motorcycle$25,000/$50,000$20,000N/A$15,000$25,000/$50,000
Commercial Vehicle$25,000/$50,000$20,000N/A$15,000$25,000/$50,000
Rideshare (Not Engaged in Ride)$50,000/$100,000$25,000N/A$15,000$25,000/$50,000
Rideshare (Engaged in Ride)N/AN/A$1,000,000$15,000$25,000/$50,000

*The FMCSA has requirements for commercial vehicles that supplement state law. For more information, refer to the ‘Oregon Commercial Truck Insurance’ section in the article.     

The FMCSA has requirements for commercial vehicles that supplement state law. For more information, refer to the ‘Oregon Commercial Truck Insurance’ section in the article.  

Legal Guidance with Senft Injury Advocates

The complexities of Oregon automobile insurance requirements, whether for personal vehicles, motorcycles, commercial use, or rideshare driving, can be a daunting task. Senft Injury Advocates specializes in providing comprehensive legal advice and representation tailored to the unique needs of Oregon drivers. With a commitment to safeguarding your rights and financial well-being, we offer a free initial consultation to help you understand your insurance obligations and how to navigate potential claims. Contact Senft Injury Advocates today to ensure you have the expert support you need to navigate the complexities of Oregon’s insurance landscape confidently.

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Oregon Automobile Insurance Requirements