Oregon State Mandatory Insurance Laws & Requirements

Oregon’s mandatory insurance law ORS 806.010 requires every driver to insure their vehicle.

The minimum liability insurance a driver must have is:

Bodily injury and property damage liability at $25,000 per person; $50,000 per crash for bodily injury to others; and $20,000 per crash for damage to other’s property​.

Oregon State law also requires every motor vehicle insurance policy to provide:

Personal injury protection (for reasonable and necessary medical, dental, and other expenses incurred up to 1 year after the crash)​ $15,000 per person

and

Uninsured motorist $25,000 per person;$50,000 per crash for bodily injury​

You must certify that you have this insurance each time you register a motor vehicle, or when you buy a light vehicle trip permit. You must also certify that you will comply with Oregon’s motor vehicle insurance requirements as long as a vehicle is registered in your name, or for the duration of the permit.

PENALTIES

Driving without liability insurance could result in fines, suspension of your driving privileges, and your vehicle could be towed. If your vehicle is towed, you are subject to the towing and storage fees. This is in addition to any fines you may have to pay.

If a judge convicts you of driving uninsured, you will need to file proof of future responsibility (SR-22)with DMV for three years, or your driving privileges will be suspended. This is in addition to any fines you must pay the court.

If you are driving uninsured and are involved in a crash, your driving privileges will be suspended for one year. After the suspension ends, you can reinstate your driving privilege by filing proof of future responsibility (SR-22) with the Oregon DMV for three years. Otherwise, you will remain suspended.

OREGON DMV COMPLIANCE

Each month, DMV selects vehicles and asks the owner(s) to provide the name of their insurance company and policy number. DMV then verifies the reported coverage with the insurance company listed. If you are asked to give this information and you do not respond, your driving privileges will be suspended.

If you do not have the insurance that you claim to have in this mandatory insurance certification, then you will be subject to proving your compliance with Oregon’s financial responsibility law for three years. During that time if you do not keep the minimum coverage in force that is required by law and continue to proof of future responsibility (SR-22) filed with the DMV then Oregon will suspend your driver’s license and driving privileges.