What Car Insurance Coverage Do I Need?

Decide how much liability coverage is enough for similar type of drivers.

Oregon Car Insurance

When you re the owner of a car, you will have to spend a certain amount of money for the purpose of maintaining the car. Getting the Oregon car insurance is one way an added expense which will help you maintain the car in case of any kind of damage or an accident.

Oregon Car Insurance Rates by ZIP Code & City
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There are several types of insurance which are out there and getting car insurance is similarly extremely important. You should at least go for the minimum car insurance for your car as it will give you the coverage on your car irrespective of the amount which you have spent on your car insurance.

Average rates

There is no fixed rate when it comes to the average amount of your car insurance. There are several amounts in which you can purchase the car insurance Oregon. The value of the insurance usually depends on your sex, your age as well as the type of vehicle you are driving and how it will affect the rate of your automobile.

Also, what matters are you as a driver? If you have a very smooth driving record, you will get a low insurance rate since it proves that you are less prone to accident. But if you are someone who has a bad record of driving, with past cases of accidents, you will have to pay a higher rate.

Car insurance requirements in Oregon

Every state has its own requirement when it comes to car insurance. The cheap car insurance Oregon is no exception as well. There are some basic requirements which you need to fulfill. When you are getting the personal protection plan, as well as the damage liability, is a part of the insurance plan.

Insurance Coverage Oregon Minimum Coverage Study Coverage
Bodily Injury (BI) (per person / per accident) $25,000 / $50,000 $50,000 / $100,000
Property Damage (PD) 20,000 25,000
Personal Injury Protection 15,000 15,000
Uninsured Motorist BI (per person / per accident) 25,000 / 50,000 50,000 / 100,000

The minimum amount for the damage liability as well as the personal protection is about 10,000 dollars, and if you get yourself the minimum amount, your car will always be covered whenever it is in an accident irrespective of whose fault it is.

There is several recommended car insurance in Oregon. You can always go for the cheaper insurance you will get online.

Laws in Oregon

The Oregon car insurance laws state that you should have a low risk towards an accident and if you satisfy all the criteria’s of being a good driver, your insurance rate will automatically be low. Also failing to pay the required amount in the time of an accident your car has been in, you will meet it the required penalties as per the laws of the state.

Also, the factor of your sex comes into play while deciding on an insurance rate for you. Women have been known to cause fewer accidents and are thus charged with fewer insurance rates.

Speed Limits in Oregon


Rural Interstates


Cars (MPH) Trucks (MPH)
65; 70 on specified segments 55; 65 on specified segments

Urban Interstates


Cars (MPH) Trucks (MPH)
55 55

60 in some sections; can be changed from 55 to 60 for cars


Other Limited Access Roads


Cars (MPH) Trucks (MPH)
55 55

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