Oregon Auto Insurance for First-Time Drivers
Oregon requires 25/50/20 liability coverage and is an at-fault state.
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Oregon at a Glance
25/50/20
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
PIP and Uninsured motorist coverage must be on every policy
15
Minimum learner's permit age, 50 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Oregon
Oregon operates under a tort liability system, meaning the at-fault driver pays for damages in an accident. The state requires all drivers to carry proof of insurance and file verification with the Oregon Department of Transportation Driver and Motor Vehicle Services (DMV). Oregon mandates personal injury protection (PIP) in addition to liability coverage, making it one of the few states with this dual requirement.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
Uninsured/Underinsured Motorist (UM/UIM)
What Drivers Pay in Oregon
$300/mo
Typical monthly rate in Oregon, new drivers
Rate data: Insurify, 2026
Bring Your Under 25 Rate Back to Earth
Compare Rates for Drivers Under 25Rules for new drivers
Night driving
midnight-5am
Passengers
no passengers younger than 20 first 6 months, then max 3 (family exempt)
Source: IIHS and state DMV records, verified July 2026
Coverage Types
Liability Insurance
The foundation of Oregon's required coverage — bodily injury and property damage liability pay for harm you cause to others. The state minimum of 25/50/20 leaves significant personal financial exposure in serious accidents.
Full Coverage
Combines liability, collision, and comprehensive coverage to protect both your financial responsibility to others and your own vehicle. Full coverage is required by lenders if you finance or lease a vehicle.
Comprehensive Coverage
Pays for damage to your vehicle from non-collision events — theft, vandalism, weather, animal strikes, and falling objects. You choose a deductible (the amount you pay before insurance kicks in), typically $250–$1,000.
Collision Coverage
Covers repair or replacement of your vehicle after a collision with another car or object, regardless of who's at fault. Like comprehensive, you select a deductible that affects your premium cost.
Uninsured/Underinsured Motorist Coverage
Protects you when an at-fault driver has no insurance or insufficient coverage to pay for your medical bills and vehicle damage. Oregon requires insurers to offer this coverage, but you can reject it in writing.
Personal Injury Protection (PIP)
Covers your medical expenses, lost wages, and essential services like childcare after an accident, regardless of fault. Oregon is one of few states requiring this coverage with a $15,000 minimum.