Insurance requirement guides for Oregon.
$25,000 / $50,000 / $20,000
Bodily injury per person / per accident / property damage, written 25/50/20
Set by ORS 806.070. Read off the statute on , and the figure every Oregon guide on this site is checked against.
Compare it with every stateInsurance regulation
Registration and insurance verification
Oregon has no state boat insurance mandate, but Columbia River and Willamette River marina agreements commonly require liability cover, and the Columbia Bar is among the most dangerous crossings in North America.
Oregon requires 25/50/20 motorcycle liability, but unlike auto policies, motorcycles are excluded from Oregon's mandatory PIP requirement — riders have no automatic medical coverage for their own injuries. Universal helmet law applies.
Oregon requires 25/50/20 minimum liability plus mandatory PIP and uninsured motorist coverage. Learn state requirements, penalties, and why minimums may not be enough.
Most states attach no insurance rule to small unlicensed jobs, but Utah requires liability insurance above $3,000. Unlicensed limits by state: $1,000 in CA, AZ, NV and OR, $2,500 in FL, $7,000 in UT.
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Every guide on this page covers a Oregon requirement: what the law makes you carry, who it applies to, and what happens without it. The auto liability minimum above is read off the statute itself, and each Oregon guide on this site is checked against that same figure. The regulators linked above are where Oregon publishes the rules, so they are the place to confirm anything before you rely on it.
