📊 Oregon at a Glance
Avg Annual Premium
$2,150
full coverage
National Ranking
#21
cheapest
vs National Avg
-$547
below avg
Uninsured Rate
13.8%
#21 nationally
🛡️ Oregon's Consumer Protections
Credit Restrictions: Insurers can use credit for initial pricing but cannot use it to cancel or non-renew your policy.
PIP Required: $15,000 PIP ensures you get medical care regardless of fault.
📋 Oregon Minimum Coverage Requirements
| Coverage Type | Minimum Required |
|---|---|
| Bodily Injury (per person) | $25,000 |
| Bodily Injury (per accident) | $50,000 |
| Property Damage | $20,000 |
| PIP (Personal Injury Protection) | Required: $15,000 |
| Uninsured Motorist (UM) | Required: $25,000/$50,000 |
🏥 Oregon's $15,000 PIP Coverage
Oregon requires $15,000 in PIP coverage that pays regardless of fault:
What PIP Covers:
- • Medical expenses
- • 70% of lost wages
- • Childcare & essential services
- • Funeral expenses
Benefits:
- • Immediate payment (no fault wait)
- • Covers you and passengers
- • Works with any health insurance
⚖️ How Oregon's Insurance System Works
At-Fault (Tort) State
Oregon is at-fault for liability, but PIP provides no-fault medical coverage.
Modified Comparative Fault
You can recover if you're 50% or less at fault. Award reduced by your percentage.
💰 Cheapest & Most Expensive Cities
✓ Cheapest Cities
✗ Most Expensive Cities
Portland metro is significantly more expensive. Smaller cities like Bend and Eugene offer better rates.
🏆 Best Insurance Companies in Oregon
| Insurer | Best For |
|---|---|
| State Farm | Strong local presence |
| GEICO | Good drivers (often cheapest) |
| Progressive | Drivers with violations |
| Oregon Mutual | Local regional option |
| Farmers | Bundling |
💡 Tips for Oregon Drivers
- ✓ Credit can't cancel you - Oregon protects renewals from credit changes
- ✓ PIP is mandatory - Already included, provides good medical coverage
- ✓ Shop Portland rates carefully - City vs suburb can be $500+ difference
- ✓ Rain driving - Consider comprehensive for weather damage
- ✓ Use Oregon DOI - dfr.oregon.gov for complaints and rate info
The Bottom Line
Oregon offers solid rates ($2,150/year, 21st cheapest) with good consumer protections. Credit can't be used to cancel or non-renew your policy, and $15,000 PIP is included for immediate medical coverage.
Best strategy: GEICO often offers the best rates for good drivers. If you live in Portland, compare rates with suburban ZIP codes. Take advantage of Oregon's credit protections—even if your credit drops, your policy is safe.