States
Oregon minimum car insurance: 25/50/20
At least $25,000 per person, $50,000 per accident and $20,000 for property damage. Change the numbers below to test your own policy.
Minimum car insurance check and unpaid-damages estimate
Oregon minimum: 25/50/20 · no-fault or at-fault status not verified
Your limits meet this minimum.
Left unpaid by the policy in this scenario
$85,000
- Total damages: $155,000
- Injury paid by the policy: $50,000 (per-person cap reached)
- Property paid by the policy: $20,000
The scenario amounts are yours, not statistics. official page, read 2026-11-02. Everything you enter stays in this browser: nothing is sent or stored. General information, not insurance or legal advice.
Oregon's DMV lists five required figures, and all of them count when you register. Liability is $25,000 per person, $50,000 per crash and $20,000 for property. Personal injury protection of $15,000 per person is also required, along with uninsured motorist cover of $25,000 per person and $50,000 per crash. You must give your insurance policy number every time you register a vehicle or buy a light vehicle trip permit, so the check happens at the counter and not only on the road. Some vehicles are exempt, and the page says which. Oregon requires personal injury protection without calling itself a no-fault state on the page we read, and we do not label it either way. That is why a policy that only matches the three liability numbers is still short here. Ask for each coverage by name. We did not read a penalty section for this page.
Official pages read by Radif Partners · Editorial policy · Method and sources
What the three numbers mean in Oregon
4 other states we read use the same numbers. 9 ask for more per person, so check before relying on these limits after a move.
$25,000 is the most the policy pays for one injured person. $50,000 is the most it pays for everyone hurt in the crash. $20,000 is the most it pays for the other car and anything else you damage.
| Coverage | Minimum | Source read |
|---|---|---|
| Injury, one person | $25,000 | November 2, 2026 or November 3, 2026 |
| Injury, whole accident | $50,000 | November 2, 2026 or November 3, 2026 |
| Property damage | $20,000 | November 2, 2026 or November 3, 2026 |
Read on the official page for Oregon.
What else we read for Oregon
| Topic | What the source says | Source |
|---|---|---|
| No-fault or at-fault | Personal injury protection of $15,000 per person is required; the DMV page does not label the state no-fault or at-fault. | official text |
| Other required or offered cover | Uninsured motorist cover of $25,000 per person and $50,000 per crash is required. | official text |
| Penalties | Not verified | None read |
| SR-22 or similar filing | Not verified | None read |
Not verified means that we did not read the rule on an official page. It does not mean that the rule is absent, and we do not infer at-fault status from silence. Ask the state before relying on a blank.