Oregon car insurance minimums, and what happens when they are not enough
Every driver in Oregon must carry at least $25,000 per person / $50,000 per accident for injuries, and $20,000 for property damage.
The required minimums
The per-person figure ($25,000) is the most the at-fault driver’s insurer will pay for any one injured person under a minimum policy. The per-accident figure ($50,000) is the most it pays for everyone hurt in the crash combined.
Source: Or. Rev. Stat. § 806.070
Why the policy limit often sets the ceiling
A hospital stay, surgery or months of therapy can exceed $25,000 quickly. Once a claim is worth more than the at-fault driver’s limit, the insurer will not pay beyond it, and collecting the rest from the driver personally is rarely practical.
That is why finding every policy that applies matters: the at-fault driver’s own policy, an employer’s policy if they were working, a vehicle owner’s policy if they were driving someone else’s car, and your own uninsured/underinsured motorist coverage.
Your own coverage
Uninsured motorist coverage of at least $25,000 / $50,000 is mandatory on every Oregon policy.
Every Oregon policy includes personal injury protection paying at least $15,000 in medical expenses regardless of who caused the crash.
Source: Or. Rev. Stat. § 742.502; Or. Rev. Stat. § 742.520
Frequently asked questions
What is the minimum car insurance in Oregon?
$25,000 per person / $50,000 per accident for injuries, and $20,000 for property damage (Or. Rev. Stat. § 806.070).
What if my injuries cost more than the other driver’s policy?
Look to your own underinsured motorist coverage, and to any other policy that covers the at-fault driver or vehicle. Uninsured motorist coverage of at least $25,000 / $50,000 is mandatory on every Oregon policy.
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This page is general information about Oregon law, reviewed September 2026. It is not legal advice, laws change, and the right answer for your claim depends on its facts. CaseChecker.ai is not a law firm; it connects people with independent attorneys licensed in their state.