# Auto Insurance in Oregon: A Guide About Minimum Requirements Picture this! You are involved in a car accident, and if you are at fault, your Oregon auto insurance’s liability coverage will help you pay for medical expenses and physical repair charges for the other vehicle. Not only is having minimum auto insurance mandated in Oregon, but it will also offer you potential financial protection during an accident. Let us learn more about the minimum requirements of auto insurance in Oregon and associated car insurance rates in Oregon. We will also understand Oregon's optional car insurance types and [which car insurance in Oregon coverage is right for you](https://www.consumercoverage.com/auto/state/car-insurance-in-oregon). ## What is Minimum Auto Insurance in Oregon? The state of Oregon has set minimum auto insurance limits that must be met to drive a vehicle legally. | Type of Coverage | Stipulated Amount | | | -------- | -------- | -------- | | Bodily Injury to Others | $25,000/person and $50,000/accident | Property Damage Liability | $20,000/accident | Personal Injury Protection (PIP) | $15,000/person | Uninsured Motorist Coverage | $25,000/person and $50,000/accident Let us understand each requirement in detail. **1. Liability Coverage**: This coverage offers legal protection when a lawsuit is brought against you when you are involved in an accident. * Property Damage Liability: This coverage helps compensate for a part of the other party's property or vehicle damage sustained during the accident * Bodily Injury to Others: It partially compensates for the other party's bodily injuries in the event of an accident. **2. Uninsured/Underinsured Coverage**: This coverage helps in an accident when the other person is at fault, and both parties are uninsured or underinsured. **3. PIP**: This amount helps to partially compensate the wages and medical expenses of the parties and pedestrians injured in the accident. ### Car Insurance Rates in Oregon Let us get to know more about the car insurance rates in Oregon. The state requires minimum liability auto insurance; the rates may vary between $54 and $91 per month. Your age and driving record will determine your car insurance rates in Oregon. The auto insurance rates in Oregon are typically higher for [young drivers](https://www.consumercoverage.com/auto/young-driver-car-insurance) as they are more likely to be involved in accidents. Specifically, an 18-year-old driver pays three times more than a 30-year-old for minimum liability auto insurance in Oregon. However, the minimum liability requirements allow you to drive legally but do not compensate for personal losses, injuries, or vehicle damages. Depending on your budget, you might want to get some optional insurance coverage to protect your finances. In Oregon, drivers should consider purchasing full coverage insurance, which includes collision, comprehensive, and liability coverage. **Full Coverage:** Full coverage auto insurance includes both comprehensive and collision coverage components. **1. Comprehensive Coverage**: This pays for damages beyond your control like hail or theft. **2. Collision Coverage**: This type of insurance compensates for the damages to your car even when the other person was responsible for the crash. ### Choosing the Right Auto Insurance Company: Conclusion Since Oregon is a no-fault state, minimal liability auto insurance is required. Though some auto insurance companies offer very cheap car insurance quotes in Oregon, choosing a reputable one is crucial, especially when you need to file a claim. You can also customize your auto insurance in Oregon according to your needs.