Car Insurance in Oregon

Oregon Car Insurance for Experienced Drivers

Whether you’re headed for a day on one of Oregon’s beautiful rivers or discovering the rich history behind the numerous “Ghost Towns,” experienced Oregon drivers can stay protected on the road with the AARP^® Auto Insurance Program from The Hartford.¹ We’ve been protecting AARP members in Oregon and their families since 1984 and have earned a reputation for integrity and trust, as well as high customer ratings for claims services.

If you’re looking to get a car insurance quote or just need information about buying Oregon car insurance, you’ve come to the right place. You can count on The Hartford’s car insurance in Oregon to be there when you need it most.

What Is the Minimum Car Insurance in Oregon?

The following car insurance coverages are required in Oregon by state law at the following minimum limits for liability insurance:²

Property damage liability: $20,000 per accident.
Bodily injury liability: $25,000 per person per, $50,000 per accident
Personal injury protection: $15,000
Uninsured/underinsured motorist: $25,000 per person, $50,000 per accident

Additional Car Insurance Coverages and Benefits Available to Oregon Drivers

For added protection, you may want full coverage car insurance or higher coverage limits. To help protect you, Oregon drivers may also be eligible for the following coverages from the AARP Auto Insurance Program from The Hartford:

How Much Does Car Insurance Cost per Month in Oregon?

In 2018, the average cost of car insurance in Oregon was $83 per month. Car insurance rates in Oregon are slightly less expensive than the national average rate of $88 per month.³Car insurance rates vary by state and are also influenced by things like your driving record and how much coverage you purchase. In general, Oregon auto insurance rates will be less expensive for good drivers with clean driving records.

Oregon Car Insurance Benefits and Discounts Offered

Oregon drivers could receive valuable car insurance discounts and benefits for AARP members with the AARP Auto Insurance Program from The Hartford, including:

24/7 Claim Service
Accident Forgiveness^‡
Disappearing Deductible^‡
New Car Replacement^§§

Proof of Car Insurance in Oregon

Oregon state law requires you to show a copy of your car insurance ID card if requested by a police officer or other party if involved in an accident. Car insurance companies should provide you a copy of your information. It’s smart for a driver to carry a copy of their car insurance ID card in their vehicle, along with registration. Oregon is also among several states that now accept electronic proof of car insurance, and with The Hartford mobile app, you can store your car insurance ID cards right on your phone. For more information, visit the Google Play™ or App Store.™

Staying Safe on Oregon Roads

As you travel through Oregon, there are a number of safe driving laws meant to protect you on Oregon’s highways and byways. Here are just a few:⁴

Oregon Seat Belt Laws

It is a mandatory law to wear a seat belt while driving the roads of Oregon.

Oregon Distracted Driving Laws

Texting while driving is banned for all drivers in the State of Oregon.

Oregon Teen Driver Laws

Getting a driver’s license is a rite of passage for teenagers, and Oregon wants to be sure they stay safe in the process. Oregon has implemented graduated licensing laws to ensure that teenagers gain the experience and maturity required to be safe behind the wheel. Graduated licensing laws limit nighttime driving, restrict teen passengers and ensure an adequate amount of supervised driving practice.

Get a Free Oregon Car Insurance Quote

Our representatives are ready to help you customize your Oregon auto insurance coverage to fit your needs and your budget. Find out more about the benefits for AARP members. Call us at 800-684-1933 to speak to a representative or get a car insurance quote online today for car insurance in Oregon.

Last Updated: October 11, 2023

² Oregon Department of Transportation, “Insurance Requirements”

³ Insurance Information Institute, “Facts + Statistics: Auto insurance”

⁴ Governors Highway Safety Association, “States”