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Minimum Coverage Car Insurance — Oregon

Minimum coverage car insurance is the lowest amount of liability insurance Oregon law allows you to carry — it covers injury and property damage you cause to others, but nothing on your own vehicle.

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What Is Minimum Coverage Car Insurance Insurance?

This coverage pays the other driver's medical bills and repair costs when you cause an accident. It does not pay for your own injuries, your own vehicle damage, or damage you cause that exceeds these limits.

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Who Needs Minimum Coverage Car Insurance Insurance?

It meets Oregon's legal requirement to register and drive, and it keeps your license valid. If you cause an accident, you have some protection against the other driver's costs, even though the limits are low.

Compare your vehicle's value to six months of collision and comprehensive premiums. If the vehicle is worth less than what you'd pay in coverage over that period, minimum coverage is defensible. Compare your assets and income to the gap between minimum limits and realistic accident costs.

How Much Does Minimum Coverage Car Insurance Insurance Cost?

Your vehicle — newer or high-value vehicles often trigger higher liability premiums because insurers assume higher-value drivers pose different risk profiles.

Related Coverage Types

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Uninsured and Underinsured Motorist Coverage→

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Full Coverage Car Insurance→

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Liability Insurance→

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Non-Owner Car Insurance→

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See What Oregon Drivers Pay for the Coverage They Need

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