Portland metro and the Willamette Valley
Compare Oregon car insurance in one phone call
Oregon requires 25/50/20 in liability plus $15,000 of personal injury protection on every policy. Beyond that floor, carriers price the same driver very differently, because each one files its own rating formula with the state. We connect you to licensed Oregon agents who price several at once.
Monday to Friday, 9:00am to 7:00pm Eastern (6:00am to 4:00pm Pacific).
- Oregon minimum
- 25/50/20 plus $15,000 PIP
- Fault system
- At-fault, with mandatory PIP
- Cities covered
- 28 across 5 counties
- Cost to you
- Free, no forms, no obligation
Every rule cited to its source
Limits, deadlines and filing rules on this site link to the Oregon DMV or the Division of Financial Regulation page they come from. Check any of them.
One call, several carriers
Licensed Oregon producers price the same driver profile across multiple companies, because the cheapest carrier is different for every record.
No forms, no email harvesting
There is no quote form on this site. You call, you talk to a person, and you get an answer. Nothing is sold on.
Free to you
Comparison and referral costs you nothing. We are paid by the carriers and agencies we refer to, never by consumers.
Changed 1 January 2026
Oregon cut the driving-uninsured SR-22 from three years to one
Senate Bill 840 shortened the SR-22 filing period for driving-uninsured convictions dated on or after 2026-01-01. Filings triggered by a crash while uninsured still run three years, and DUII filings still run three years. SB 840 also repealed the automatic one-year licence suspension the DMV previously issued after an uninsured crash.
If you are being quoted a three-year filing for a driving-uninsured conviction dated this year, that is worth questioning before you sign anything.
What Oregon actually requires
One statewide minimum, no city adds to it, and it is lower than most drivers assume once you look at what each line pays for.
| Coverage | Oregon minimum | What it actually pays |
|---|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per crash | Injuries you cause to other people. Does not pay for your own. |
| Property damage liability | $20,000 per crash | Damage you cause to someone else's vehicle or property. |
| Personal injury protection (PIP) | $15,000 per person | Medical bills for you and your passengers, regardless of who caused the crash. |
| Uninsured motorist | $25,000 per person / $50,000 per crash | Your injuries when the at-fault driver has no insurance or too little of it. |
The property damage line is the one worth sitting with. $20,000 is the entire legal requirement for damage you cause to someone else's vehicle, and a single newer SUV can exceed it before anyone is hurt. Everything past your limit comes from you.
What we help with
- Car InsuranceNot knowing whether the state minimum is actually enough for the car in front of you
- Cheap Car InsuranceA renewal that went up without any change to the driver or the car
- SR-22 InsuranceA suspended licence and a filing deadline that is measured in business days
- High-Risk Car InsuranceBeing non-renewed and finding that the quotes coming back are three times what you used to pay
- Teen Driver InsuranceA renewal that doubles the month a sixteen-year-old gets their licence
- Rideshare & Delivery InsuranceFinding out the exclusion existed only after a claim gets denied
Find your city
Carriers rate on garaging address, so the page that matters is the one for where your car sits overnight. We cover 28 cities across Multnomah, Washington, Clackamas, Marion and Yamhill counties.
- PortlandMultnomah
- GreshamMultnomah
- HillsboroWashington
- BeavertonWashington
- TigardWashington
- Lake OswegoClackamas
- Oregon CityClackamas
- TualatinWashington
- West LinnClackamas
- MilwaukieClackamas
- Happy ValleyClackamas
- WilsonvilleClackamas
- SherwoodWashington
- Forest GroveWashington
- CorneliusWashington
- AlohaWashington
- ClackamasClackamas
- GladstoneClackamas
- CanbyClackamas
- TroutdaleMultnomah
- FairviewMultnomah
- SandyClackamas
- EstacadaClackamas
- NewbergYamhill
- McMinnvilleYamhill
- WoodburnMarion
- SalemMarion
- KeizerMarion
Why trust this page
Check the source, not the sales pitch
Insurance sites are full of five-star quotes you have no way to verify. We would rather be checkable than flattering, so every rule quoted on this site links to the Oregon government page it came from. Follow any of them.
- Oregon DMV, insurance requirementsThe statutory minimums quoted on every page of this site.
- Oregon DMV, SR-22 informationWho needs a filing, and when the clock starts.
- Oregon DFR, Senate Bill 840 noticeThe 2026 change to SR-22 filing periods.
- Oregon DFR, consumer helpComplaints about an insurer: 888-877-4894.
Frequently asked questions
What is the minimum car insurance required in Oregon?
$25,000 bodily injury per person, $50,000 per crash, $20,000 property damage, $15,000 personal injury protection, and uninsured motorist coverage matching your bodily injury limits. Driving without liability coverage in Oregon is illegal.
Is Oregon a no-fault state?
Oregon is an at-fault (tort) state. The driver responsible for a crash is liable for the damage, and their liability coverage pays the other party. Mandatory PIP sits on top of that as a first-payer for medical bills, but it does not make Oregon a no-fault state and it does not limit your right to sue.
Did Oregon change its SR-22 rules in 2026?
Senate Bill 840 shortened the SR-22 filing period for driving-uninsured convictions from three years to one year, for convictions dated on or after 1 January 2026. SR-22 filings triggered by a crash while uninsured still run three years. SB 840 also repealed the automatic one-year licence suspension the DMV previously issued after an uninsured crash.
Does Portland Insure sell insurance?
Portland Insure is a free comparison and referral service, not an insurance company and not a licensed insurance agency. Calls are connected to licensed insurance producers who can quote and bind coverage in Oregon. We do not charge consumers for this service.
Why is there no quote form on this site?
Because a form cannot ask a follow-up question. The variables that actually decide your premium, which carriers will write your record and which vehicle a teen gets assigned to, are conversations. A call gets a real answer in about ten minutes; a form gets you an email sequence.
What does this cost me?
Nothing. Comparison and referral is free to you. We are paid by the carriers and agencies we refer to, never by consumers, and there is no obligation to buy anything.
Get your rate compared in one call
Tell us your city, your vehicle, and anything on your record. You will get a straight answer about which carriers are worth calling and roughly where you sit, in about ten minutes.