2026 Oregon Car Insurance Calculator

Oregon requires 25/50/20 liability minimums, plus $15,000 in Personal Injury Protection (PIP) and $25,000/$50,000 in Uninsured Motorist coverage. Oregon's mandatory coverage stack is one of the more comprehensive in the western United States, ensuring drivers have baseline medical and uninsured driver protection by default.

Portland has experienced a dramatic surge in vehicle theft over the past several years, driven by catalytic converter theft, Kia and Hyundai vulnerability exploitation and broader organized auto theft activity. At its peak, Portland ranked among the top cities in the country for auto theft per capita. Insurers operating in Multnomah County face significantly higher comprehensive claim costs than in any other part of Oregon and those costs are heavily reflected in local premiums.

Yes, Oregon mandates UM coverage at $25,000/$50,000 minimums. This is a meaningful protection given that Oregon's uninsured driver rate, while not as high as some southern states, is elevated in the Portland metro where economic pressures have pushed more drivers to drop coverage. The mandatory UM requirement ensures that Oregon drivers have recourse when an uninsured driver causes an accident.

Driving without insurance in Oregon results in a fine of up to $1,000 for a first offense and license suspension. Reinstatement requires proof of current insurance and payment of a reinstatement fee. Oregon uses an electronic verification system and insurers report policy cancellations to the DMV, meaning lapses are flagged even without a traffic stop or accident triggering a check.