Auto Insurance

Home > Auto Insurance

You need to have auto insurance in order to be a legal driver in Oregon. You are required by law to have liability insurance, which covers you if you cause an accident that injures someone or damages their property. If you're caught driving without insurance, you could face fines, license suspension, and even jail time.

According to Oregon Department of Transportation, the minimum insurance a driver must have is:

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.

Personal injury protection

• $15,000 per person.

Uninsured motorist

• $25,000 per person; and
• $50,000 per crash for bodily injury

There are a few different ways to get auto insurance in Oregon. You can buy a policy from an insurance company, or you can get insurance through the Oregon Auto Insurance Plan. The Oregon Auto Insurance Plan is a state-sponsored program that provides insurance to drivers who are unable to get coverage through traditional means. If you have a clean driving record and good credit, you should be able to get auto insurance through a regular insurance company. However, if you have had trouble getting coverage in the past, or if you have a less-than-perfect driving record, the Oregon Auto Insurance Plan may be a good option for you.

Full coverage in Oregon typically includes liability insurance, uninsured/underinsured motorist coverage, and personal injury protection. However, the specific coverages included will vary from policy to policy. You should talk to your insurance agent to find out what is included in your policy and what is not.

If you're looking for the best rates on auto insurance in Oregon, it's important to shop around and compare quotes - or you can have us do that for you, of course.

There are a few things to keep in mind when buying auto insurance in Oregon. First, make sure you are buying enough coverage to protect yourself and your assets. Second, be aware of the minimum coverage requirements set by the state. And finally, always shop around for the best rates. There are a lot of different insurance companies out there, and you can save a lot of money by comparing quotes.

If you own a business in Oregon that uses vehicles, you are required by law to have commercial auto insurance. This type of insurance covers you if you or one of your employees causes an accident while driving a company vehicle. It also covers any damage that may occur to the vehicle itself.

Commercial auto insurance is required for vehicles driven by employees or used for commercial activities such as visiting customers or making deliveries. Vehicles that are used for work purposes are not usually covered under personal auto insurance.

Contractors need commercial auto insurance for things such as transporting tools and materials across job sites and traveling between them. These are commercial activities that require added protection with a business policy.

Food trucks and other food service businesses like restaurants and ice cream vendors depend on their commercial vehicles. Most food trucks have expensive equipment attached to them that a commercial auto policy can cover.

We'll help you find auto insurance for your company's heavy or large trucks.

The cost of your commercial auto policy in Oregon is determined by a variety of factors, including:

• Profession
• Vehicle
• Driving history
• Location
• Travel radius
• Coverage needs

The Division of Financial Regulation advises Oregonians to consider their insurance needs when engaging in new apps and websites that facilitate car rides, as personal insurance often do not cover large portions of liability when it comes to providing these services.

Examples include transportation networking companies (TNCs), such as Uber, Lyft, and Sidecar, that offer smartphone apps to help connect drivers and passengers as an alternative to taxis. Drivers who participate use their personal vehicles to transport passengers for a fee.

Learn More about Insuring Your Vehicle When Working for a TNC >