Is Oregon a no-fault state?
No. Oregon is an at-fault state, but every auto policy must include Personal Injury Protection (PIP), which pays your own medical bills up to $15,000 whoever caused the crash. PIP does not take away your right to make a claim against the at-fault driver.
Last checked November 9, 2026 · Official sources (5)
How does Oregon car insurance work?
“Every motor vehicle liability policy issued for delivery in this state that covers any private passenger motor vehicle shall provide personal injury protection benefits to the person insured thereunder”
Oregon Revised Statutes, ORS 742.520
What is Oregon's minimum car insurance?
| Coverage | What Oregon requires |
|---|---|
| Injury to one person | $25,000 |
| Injuries in one crash | $50,000 |
| Damage to property | $20,000 |
| Personal injury protection (PIP) | PIP pays reasonable and necessary medical expenses for up to two years, up to $15,000 or your PIP limit. |
| Uninsured motorist | Uninsured motorist coverage is required: at least $25,000 per person and $50,000 per crash for injuries. |
Other add-on states
Questions
How much insurance does Oregon require?
At least $25,000 per person and $50,000 per crash for injuries to others, and $20,000 per crash for damage to others' property.
What if you were partly at fault in Oregon?
If you were partly at fault, your money is cut by your share of the blame, and you get nothing if your fault is greater than everyone else's combined (more than 50%).
Hurt in a crash in Oregon? Find out if you are owed money.
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See if I’m owed moneySources (5)
- Oregon Revised Statutes, ORS 742.520, checked 2026-11-09. “Every motor vehicle liability policy issued for delivery in this state that covers any private passenger motor vehicle shall provide personal injury protection benefits to the person insured thereunder”
- Oregon Driver & Motor Vehicle Services (ODOT), checked 2026-11-09. “Bodily injury and property damage liability $25,000 per person; $50,000 per crash for bodily injury to others; and $20,000 per crash for damage to others' property.”
- Oregon Division of Financial Regulation, checked 2026-11-09. “Personal injury protection (PIP) insurance covers only "reasonable and necessary" medical expenses incurred within two years - up to $15,000 or your PIP limit.”
- Oregon Driver & Motor Vehicle Services (ODOT), checked 2026-11-09. “Personal injury protection $15,000 per person. Uninsured motorist $25,000 per person; and $50,000 per crash for bodily injury.”
- Oregon Revised Statutes, ORS 31.600, checked 2026-11-09. “Contributory negligence shall not bar recovery in an action by any person or the legal representative of the person to recover damages for death or injury to person or property if the fault attributable to the claimant was not greater than the combined fault”