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Car Insurance Liability Requirements in Oregon
- Minimum Liability Limits in OR: 25/50/20 [4]
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- 25 Required coverage up to $25,000 for one individual injured in an accident
- 50 Required coverage up to $50,000 for all persons injured in an accident
- 20 Required coverage up to $20,000 for property damage in an accident
- Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.
Required Car Insurance Coverage in Oregon
- Auto Insurance Coverage Requirements in OR [4]
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- Bodily injury liability coverage
- Property damage liability coverage
- Uninsured motorist coverage
- Underinsured motorist coverage
- Personal injury protection coverage
- Note: Underinsured motorist coverage is mandatory when uninsured motorist liability limit is greater than the required financial responsibility.
Car Insurance Verification Laws in Oregon
- Insurer Verification of Auto Insurance in OR [4]
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- Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
- Insurer must verify randomly selected insurance policies upon request.
Oregon Car Insurance Facts, Estimates & Related Laws
Oregon Car Insurance Facts
- Average Car Insurance Rates in OR
-
- Oregon had the 26th highest auto insurance rates in the nation in 2010. [2]
- Rates in OR ranked 26th in the nation in 2009. [2]
- In 2008, OR had the 27th highest rates in the country. [2]
- Number of Auto Insurance Policies in OR
-
- Oregon ranked 28th in the nation in auto insurance policies in 2011 with a total of 2,687,350. [1]
- Uninsured Motorist Rate in OR
-
- The uninsured motorist rate in OR ranked 38th in the nation in 2009. [3]
Oregon Distracted Driving Laws
- Hand-held phone ban? Yes
- hand-held phone ban in place for all drivers. [7]
- Texting-while-driving ban? Yes
- Texting-while-driving ban in place for all drivers. [7]
- Young drivers cell phone ban? Yes
- Ban applies to drivers younger than 18. [7]
- Bus driver cell phone ban? No
- Enforcement of laws:
- Primary enforcement in effect. [7]
- With primary enforcement, a police officer can pull over a driver for that specific offense.
- Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.
Oregon Automotive Laws
- Safety Belt Laws in OR
-
- Safety belt laws have been in place since 1990 and apply to drivers/passengers 16+ years in all seats. [7]
- Child restraint law in place for younger than 1 year or less than 20 pounds in rear facing child safety seat; 7 or younger and 40 pounds or less in child safety seat; more than 40 pounds but 4-feet-9 inches or less in booster. [7]
- Motorcycle Helmet Laws in OR
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- Motorcycle helmets required for all riders. [7]
- Driver's License Renewal Cycle in OR
-
- Renewal cycle: 8 years [7]
Oregon Auto & Driver Facts
Oregon Automotive Facts
- Speed Limits in OR
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- Rural interstates: 65 mph (Trucks: 55 mph) [7]
- Urban interstates: 55 mph [7]
- Other roads: 55 mph [7]
- Motor Fuel Consumption in OR
-
- Oregon cities collectively ranked 31st in the nation in total motor fuel consumption in 2011. [9]
Oregon Licensed Drivers
- Licensed Drivers in OR [10]
-
- Total Drivers: 2,773,956
- Female: 1,392,461
- Male: 1,381,495
- OR has the 28th most drivers in the U.S.
- Minimum Driving Age in OR [5]
-
- Oregon has a minimum driving age of 15 years.
Oregon Auto Registrations
- Auto Registrations in OR [8]
-
- Registered Cars: 1,472,348
- Registered Trucks: 1,542,955
- Registered Motorcycles: 108,317
- Total Registrations: 3,128,120
- Rank: Oregon ranked 29th in the United States in total auto registrations in 2011.
Additional information about Oregon
About Oregon
Oregon has a population of approximately 3,831,074, which ranks 27th in the U.S. among all states. [6]
More about Oregon auto insurance
For more information about auto insurance in OR, or for additional resources regarding Oregon car insurance, visit the Oregon Department of Insurance.
1. ^ Automobile Insurance Plans Service Office (AIPSO)
2. ^ National Association of Insurance Commissioners (NAIC)
3. ^ Insurance Research Council (IRC)
4. ^ Insurance Information Institute (III)
5. ^ Insurance Institute for Highway Safety (IIHS)
6. ^ United States Census Bureau
7. ^ IIHS & Highway Loss Data Institute
8. ^ Office of Highway Policy Information
9. ^ U.S. Department of Transportation
10. ^ Federal Highway Administration