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Oregon Car Insurance

Whether you’re traveling down the Historic Columbia River Highway into Portland, over a picturesque mountain pass or along the coast to Cannon Beach, experiencing Oregon's natural beauty is sure to be an unforgettable experience. At Amica, we understand your unique coverage needs, so no matter your destination, you can enjoy the ride knowing you’re protected.

Amica offers customized Oregon auto insurance quotes that allow you to tailor your coverage with comprehensive protection backed by personalized service. Don't settle for a one-size-fits-all approach when it comes to protecting yourself and your family on the road. Instead, take the time to get a customized quote that meets your unique coverage needs.

Oregon’s auto insurance requirements

In Oregon, drivers are required to carry the following minimum liability coverage limits for auto insurance:

  • Bodily Injury Liability Coverage:
    • $25,000 per person
    • $50,000 per accident
  • Property Damage Liability Coverage
    • $20,000 per accident

Bodily injury liability coverage: Coverage to protect you from the financial consequences of causing bodily harm to others in an auto accident. This extends to coverage for medical expenses, pain and suffering, rehabilitation costs and lost wages. It may also cover legal defense costs if you're sued. This coverage is subject to policy limits and exclusions.

Property damage liability coverage: This coverage helps with damage you cause to someone else's property in an auto accident where you're at fault. It includes costs for repairing or replacing the other party's vehicle and other damaged property, like buildings or fences. It may also cover legal fees if you're sued for the damage. Coverage is subject to limitations and exclusions.

In addition to the minimum liability coverage requirements, Oregon mandates coverages for uninsured motorist bodily injury and personal injury protection, with the following minimum limits:

  • Uninsured Motorist Bodily Injury Coverage:
    • $25,000 per person
    • $50,000 per accident
  • Personal Injury Protection (PIP):
    • $15,000 per accident

Uninsured/underinsured motorist bodily injury coverage: Provides protection if you're injured in an accident caused by a driver who’s uninsured or doesn't have enough coverage to pay for your medical bills and other expenses.

Personal injury protection (PIP): Helps cover medical expenses and lost wages if you or your passengers are injured in an accident. This includes necessary medical bills, lost wages, funeral expenses and loss of services.

It's important to understand that these are just the minimum requirements, and Oregon drivers may choose higher coverage limits for added protection. 

Additional Oregon car insurance coverage

Opting for additional auto insurance coverage beyond Oregon-mandated minimums can provide invaluable protection in various scenarios. It's not only a wise choice for safeguarding your finances and assets, but may be required coverage if you lease or finance your car. Here are some additional coverages you might consider:

  • Comprehensive (other than collision): Coverage for damage to your vehicle that isn’t the result of a collision with another car or object. This includes damage caused by falling trees or rocks kicked up by other cars.
  • Collision coverage: No-fault coverage that helps pay for repairs to your car if it's damaged in a collision with another vehicle or object.
  • Rental reimbursement: Coverage for transportation costs if your vehicle needs repairs after an accident. It covers rental cars, ridesharing or public transportation like trains, taxis and buses.
  • Auto/loan lease coverage: Covers the difference between what you owe on your loan or lease and the current value of your vehicle if it's totaled in a covered accident.
  • Towing and labor coverage: Around-the-clock roadside assistance, providing services like jumping dead batteries, towing your car and unlocking car doors.
  • Repairing or replacing auto glass: Repair or replacement of your damaged windshield, windows and other auto glass, without a deductible.

How Oregon auto insurance rates are determined

There are several factors that impact auto insurance in Oregon, including individual circumstances, geographical location, driving history and more. Here are some points to consider:

  • Coverage options and limits: Opting for the required coverage in Oregon is usually less expensive, while adding optional coverages with higher limits increases premiums.
  • Vehicle type: Factors like the make and model of your vehicle safety ratings, repair costs and likelihood of theft influence Oregon car insurance premiums.
  • Claims in your state: Oregon auto insurance rates may be affected by the claims filed in your state. Higher rates of accidents, theft or other incidents can lead to increased premiums for all drivers in Oregon.
  • Weather patterns in Oregon: Weather-related incidents impact Oregon car insurance rates, particularly for comprehensive coverage that includes protection against weather-related damage.

It's important to know that auto rates change over time for a number of reasons. Some of those reasons, like your driving record and claim history, are within your control, while others, like industry repair rates and claim frequency in your area, are not. If your auto rates increase, you may be able to mitigate the increase by adjusting your coverage or deductible, or qualifying for policy discounts.

Save more on Oregon auto insurance with discounts

Amica offers various auto insurance discounts to help policyholders save money on their premiums. Here are some discounts that you may be eligible for:

  • Discounts for family
    • Young driver training: We have discounts for drivers under 21 who complete an accredited driver training program.
    • Good student: Policies with full-time high school or college students, ages 15-25, with a “B” average or higher are eligible for our Good Student Discount.
  • Discounts for how you drive
    • Accident-free: Get an auto insurance discount when you’ve been claim-free for the past three years.
    • Defensive driver training: Taking an approved driver safety course can earn you a discount.
  • Discounts for your car’s systems
    • Anti-theft: We’ll reward you for keeping your car safe and secure with anti-theft devices, like car alarms and GPS tracking systems.
    • Passive restraints: If your car is equipped with passive restraints, like airbags, you may be eligible for a discount.
  • Discounts for how you pay
    • AutoPay: Simplify your payment experience with AutoPay to earn even more savings.
    • Paperless: Get a discount when you sign up to receive policy documents and bills electronically.
    • Paid in full: Save money when you pay the entire balance of your Oregon policy premium up front.

If you're an Oregon driver in need of both auto and home insurance coverage, it's worth exploring options for bundling policies to maximize your savings. When you bundle auto and home insurance with Amica, Oregonians can save up to 30% with a multiline discount.

Facts and figures about Oregon

Fun facts about Oregon:

  • Crater Lake was formed by a collapsed volcano and is the deepest lake in the U.S.1
  • Oregon is the only state to have a different design on either side of its flag. The state seal is on one side and a beaver, the state animal, is on the other.1
  • Measuring at 2 feet across and 452 square inches, Mill Ends Park in Portland is the smallest park in the world.1

Facts about driving in Oregon:

  • If you’re driving through any city in Oregon, U-turns are prohibited, whether or not a sign is posted.2
  • Oregon teens need 100 hours – or 50 hours if they’ve completed a driver’s education course – of supervised driving experience before they’re eligible for a provisional license.3
  • In addition to notifying your insurance company, you’re also required to file an Oregon Traffic Accident and Insurance Report with the DMV within 72 hours of a car accident.4

How to get car insurance in Oregon

We’re here to guide you through the process of personalizing your car insurance in Oregon. Here’s how to secure your policy in three easy steps:

  1. Assess your coverage needs: 

    An Amica representative can provide personalized guidance and help you navigate your options to find the right coverage for your needs. 

  2. Discover potential discounts:

    A representative can also assist you in exploring potential discounts or cost-saving measures available to Oregon drivers based on your unique circumstances.

  3. Get a quote:

    Amica offers convenient options for getting a quote. You can either get a car insurance quote online or call 800-242-6422 today to speak with a representative.

With Amica, Oregon drivers can hit the road with confidence, knowing they’re prepared for any situation that may arise.

Get an auto insurance quote

or call 833-513-3881

1 13 Quirky Facts About Oregon That Sound Made Up, But Are 100% Accurate
2 Driving in Oregon
3 Oregon Driver & Motor Vehicle Services
4 Oregon Driver & Motor Vehicle Services: Accident Reporting and Responsibilities

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