Oregon Car Insurance

Auto Insurance in Oregon—Be Prepared for the Weather

There's a saying about the weather in Oregon: "Give it five minutes and it will change!" For Oregon drivers, unpredictable weather can make for hazardous road conditions, especially during winter. And one of the most common causes of car accidents in Oregon is driving too fast for the road conditions. Be sure to take necessary precautions whenever you're driving in Oregon, and make sure you have the proper Oregon car insurance coverage on your vehicle.

Driving at any time without proof of auto insurance is against Oregon law and could result in fines, suspension of your driving privileges, and in some areas even confiscation of your vehicle. Get your free Oregon auto insurance quote from GEICO online.

In Case You Ever Have an Accident in Oregon

If you are involved in a traffic accident, you must file a Traffic Accident and Insurance Report with the Oregon Department of Motor Vehicles (OR DMV), even if there was a police report filed. Your report must be filed within72 hours, show the name of your liability insurance company and the policy number. Make sure your vehicle is covered and you have proof of car insurance in Oregon before you drive.

Learn More About Required Oregon Auto Insurance Coverage

Oregon law requires every driver to carry at least these minimum car insurance coverages:

  • Bodily injury: $25,000 per person and $50,000 per accident
  • Property damage: $20,000 per accident
  • Personal injury protection: $15,000 per person
  • Uninsured motorist coverage bodily injury: $25,000 per person and $50,000 per accident

Oregon Provisional License Restrictions for Drivers Under 18

The State of Oregon has a provisional licensing program to help teen drivers stay safe on the roads.

Oregon issues a provisional Class C instruction permit to drivers 15–17 years old, which allows you to operate a vehicle only while accompanied by a licensed driver at least 21 years of age in the front seat. A valid instruction permit must be held for at least 6 months prior to being eligible for a provisional driver's license beginning at age 16.

Drivers 16–17 years of age who have held a valid instruction permit for at least 6 months, have completed the required minimum 50 hours of supervised driving experience, and have passed the drive test and vision screening test may be eligible for a provisional license, which allows them to drive under the following restrictions for their first year:

  1. For the first year of the provisional license, teens may not drive between midnight and 5 AM unless driving to and from home or work, to and from home and school, or when accompanied by a licensed driver who is at least 25 years of age.
  2. For the first 6 months of the provisional license, teens are not allowed to carry any passengers under the age of 20 except for immediate family members.
  3. For the second 6 months of the provisional license, teens are allowed no more than 3 passengers under the age of 20 except for immediate family members.

All persons under 18 years of age are not allowed to operate a motor vehicle while using a mobile communication device.