Oregon Auto Insurance

Driving in the Beaver State

Getting around Oregon has changed since the days when pioneers arrived in covered wagons fresh off the Oregon Trail. From lush temperate rain forests to desert canyons, ghost towns, rodeos and whitewater rafting, Oregon has beautiful road trip driving destinations. If you’re on Interstate 84 along the Columbia River, cruising down U.S. Route 20 on your way back to Bend or driving along the Pacific Coast on U.S. Route 101, remember that motor vehicles registered in the state need to be covered by at least the minimum Oregon car insurance requirements. Talk to your local Safeco insurance agent about coverage that is right for you and to get your Oregon auto insurance quote today.

Oregon Car Insurance Laws

Car Insurance in Oregon

Is car insurance required in Oregon? Yes.
All registered motor vehicles in Oregon must:

  • Be covered by at least the minimum liability levels
  • Be covered for uninsured motorists
  • Be covered by personal injury protection

All Oregon drivers must:

  • Be able to show proof of insurance

To learn more about Oregon car insurance rates, get your Oregon car insurance quote today.

Oregon Auto Insurance Requirements

What is the minimum car insurance coverage in Oregon?

Auto insurance requirements vary by state. Most states require you to have both bodily injury liability and property damage liability coverage. Some states require personal injury protection and/or uninsured and underinsured motorist coverage.

Talk to your Oregon Safeco agent for personal advice about product availability in your area and how much coverage is right for you.

Proof of Financial Responsibility in Oregon

What is proof of financial responsibility?

It’s evidence that you have the ability and monetary resources to pay for potential damages caused by your car.

Is proof of financial responsibility required in Oregon?

Yes. The most common and easiest way to meet the financial responsibility requirements in Oregon is to buy auto liability insurance.

Proof of Insurance in Oregon

If you get caught without auto liability insurance in Oregon you could be fined, have your license suspended or your vehicle towed.

What is proof of insurance?

It’s documentation that verifies a current insurance policy or other form of financial responsibility. All Oregon drivers must be able to present an insurance ID card if asked to do so by a law enforcement officer.

Is proof of insurance required in Oregon?
Yes. Proof of insurance in Oregon is required for:

  • Vehicle registration
  • Traffic stops

Is electronic proof of insurance accepted in Oregon?

What is electronic proof of insurance?

Electronic proof of insurance allows drivers in Oregon to use your smartphone or mobile electronic device to display a digital version of your insurance ID as valid proof of insurance.

Mobile Phones and Texting While Driving in Oregon

  • Everyone is prohibited from using hand-held mobile communication devices while driving in the state of Oregon.
  • Drivers over the age of 18 are allowed to use hands-free cell phones.
  • Everyone is prohibited from texting and driving in Oregon.

Recommended Auto Insurance Coverage

If you’re involved in an accident, the minimum car insurance requirements in Oregon may not be enough to protect you financially from expensive repair and medical costs. As a safe, responsible driver, consider raising your liability limits and adding collision, comprehensive and medical payments to your policy.

All car insurance companies in Oregon offer policies to cover Oregon auto insurance coverage requirements. Talk to your local Safeco insurance agent about a level of coverage that is right for you and to get an Oregon car insurance quote.

Oregon Auto Insurance Coverage Options

In addition to car insurance coverage required in Oregon and our popular auto insurance coverage options, drivers in Oregon have even more coverage choices:

Safeco Optimum Package Plus™

For as little as $8 a month get a diminishing collision deductible that decreases $50 every six months, or $100 with an annual policy renewal, for a maximum of up to $500. Plus, increase your personal property coverage up to $1,000 for items stolen from your vehicle, enjoy electronic lock and key replacement coverage with no deductible and much more.

OEM Parts

For cars, vans and pickups less than 10 years old, original replacement parts coverage helps with the cost to use new original equipment manufactured parts for repairs and replacement. If you prefer to use OEM car parts instead of aftermarket car parts, OEM parts coverage allows you to use original equipment manufactured parts when they’re available.

Oregon Auto Insurance Discounts

There are numerous ways to save and lower your car insurance rate in Oregon. In addition to our popular car insurance discounts, Oregon drivers have even more opportunities to save.

Advance Quote

New Safeco customers with a policy that starts at least one day after receiving a quote are eligible for a discount. Get your Oregon car insurance quote today and start saving tomorrow.

More Than One Policy

Oregonians who also have an active home, condominium or renters policy with Safeco may qualify for an auto insurance discount.

Keep a Clean Driving Record

Oregon drivers who maintain a good driving record for at least 34 months may qualify for accident-free and violation-free discounts on their auto insurance rate.

Talk to your local Safeco car insurance agent about how to save with Oregon car insurance discounts.

Senior Drivers in Oregon

Oregon drivers 55 and older must be given an insurance discount if they complete a state-certified safe driving course.

Young Drivers in Oregon

Getting Your First Driver’s License

Minimum age to get a provisional driver’s license in Oregon: 16
Minimum age to get a full driver’s license in Oregon: 18 

Teens, Mobile Phones and Texting While Driving

Drivers under the age of 18 are prohibited from using any type of hand-held or hands-free mobile communication device. This includes talking on a cell phone and texting.

Road Trips in Oregon

Pacific Coast Scenic Byway

Discover over 300 miles of ocean vistas, overlooks and lighthouses on this scenic drive along the Oregon Pacific Coast on U.S. Route 101 from Astoria to Brookings.

Historic Columbia River Highway

Get off Interstate 84 to take in the scenery, overlooks and waterfalls of historic U.S. Route 30, built along the Columbia River between 1913 and 1922.

Hells Canyon Scenic Byway

Enjoy panoramic views and overlooks as you circle the Wallowa Mountains on a 200 mile scenic trip through Hells Canyon in northeastern Oregon.

Things to Do in Oregon

See the Painted Hills

The colorful streaks of yellow, black and red of the Oregon painted hills come from different geological eras in the ancient flood plain’s history. Part of the John Day Fossil Beds National Monument, extinct horse, camel and rhinoceros fossils have been found is this area of Oregon.

Hike Around Crater Lake

Formed inside an ancient volcano that erupted over 7,000 years ago and known for its intensely deep blue color and clarity, Crater Lake in southern Oregon is the deepest lake in the United States.

Visit Eastern Oregon

As long as you don’t tell everyone about it, eastern Oregonians like to have people visit their side of the state, from the Wallowa National Forest down to the Hart Mountain National Antelope Refuge..

Oregon Fun Facts

State nicknames: Beaver State
Residents are called: Oregonians
National parks: Crater Lake
National monuments: Cascade–Siskiyou, Newberry, Oregon Caves, John Day Fossil Beds
Highest point in Oregon: Mount Hood
NBA team: Portland Trail Blazers
Produces most of the nations: Hazelnuts
State mushroom: Pacific golden chanterelle
Cartoonist born in Oregon: Matt Groening
Mythical inhabitant: Sasquatch
Deepest river gorge in North America: Hells Canyon
© 2017 Liberty Mutual Insurance, 175 Berkeley Street, Boston, Massachusetts, 02116

Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria.