Auto Insurance in Oregon

Are you purchasing a vehicle in Portland, OR that needs insurance? Or maybe you're looking to save money on your auto insurance? In either case, our H & R Insurance Group team is here to help you get great insurance to meet your needs. This means starting with Oregon state's mandatory minimums and working to balance price and protection.

Getting Started with Oregon Auto Insurance Policies

Mandatory Liability Insurance

In Oregon, as with all United States, every car owner and driver must show proof of liability insurance to take their vehicle on the road. The mandatory minimums for these insurance policies differ state-to-state. Portland, OR drivers will need to carry an insurance policy that includes at least the following:

• $25,000 minimum in personal liability for the bodily injury or death of each person in an accident caused or ruled at fault by the policyholder.
• $50,000 minimum in personal liability for total bodily injury or death of all persons involved in an accident caused or ruled at fault by the policyholder.
• $25,000 minimum in personal liability for property damages incurred in an accident caused or ruled at fault by the policyholder.

Mandatory Personal Injury Protection Insurance

Oregon also has joined a growing number of states to require drivers to hold insurance on themselves, which will pay out for medical expenses and lost wages regardless of who is at fault for an accident. All Portland, OR drivers who own a vehicle must have a minimum Personal Injury Protection, PIP, of $15,000 per person. This will help to ensure that you and your passengers are financially protected in the event of an accident, regardless of who caused it and whether or not the other driver has sufficient insurance.

Learn More About Oregon Auto Insurance

For more information about getting the proper Portland, OR auto insurance or other insurance questions, call our team at H & R Insurance Group LLC today.