Oregon Auto Insurance Quotes

If you've been searching for the best source of information and quotes on Oregon auto insurance, you've found the right place. You can find out what type of insurance coverage is required in Oregon as well as what insurance coverage is considered optional. Once you find out what type of coverage you need, you can ask for quotes from several companies that are licensed to operate in Oregon. By researching the coverage you need, you can be sure to keep your vehicle legal while it is registered in Oregon.

Oregon Liability Insurance Requirements

Like many states, Oregon requires that vehicle owners carry liability insurance on any vehicle that is registered in the state.  Some vehicles are exempt from this requirement, including farm tractors, antique automobiles, motor-assisted scooters, and snowmobiles.  Vehicles that are non-operational are also exempt from this insurance requirement.  For vehicles that must be covered, the minimum requirements are for bodily injuries, property damage, uninsured motorist coverage, and personal injury protection coverage. 

For liability coverage, the minimum coverage amounts required are $$25,000 for bodily injuries for one person in one accident, $50,000 for all bodily injuries in one accident, and $10,000 for property damage.  Personal injury protection in the amount of $15,000 is required for all motorists.  This coverage pays medical and funeral expenses in the event of an accident.  Uninsured motorist coverage is also required in the amounts of $25,000 per person and $50,000 per crash.

Oregon Proof of Insurance

If you are stopped by a law enforcement officer for a traffic violation, you will be asked to provide proof of valid auto insurance.  There are several documents that are considered acceptable proof of insurance.  They include an original or copy of a valid insurance identification card, a copy of your insurance policy, or a letter from your insurance company that is written on official letterhead.  Keep proof of insurance in your vehicle at all times to avoid the hassles of being caught driving without proof of insurance available.

Penalties for Driving Without Insurance

The Oregon DMV conducts random checks of insurance coverage for Oregon drivers.  If you receive a letter from the DMV, you must provide your insurance company name and policy number.  DMV officials will then check with the insurance company to be sure that you carry that coverage.  If you do not have proof of insurance, you will have to file an SR-22 demonstrating your financial responsibility.  Penalties such as license suspension and fines may also be assessed.  If you get into an accident while driving without insurance, there will be additional penalties.