Buy Cheap Oregon Auto Insurance in 2024
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State Coverage Requirements
Coverage Type
State Coverage Requirements
Bodily Injury Liability
$25,000 limit per person / $50,000 limit per accident
Property Damage Liability
$20,000 limit
Collision
Not required, but recommended
Comprehensive
Not required, but recommended
Medical Expenses
Not required, but recommended
Personal Injury Protection (PIP)
$15,000 limit
Uninsured Motorist
$25,000 limit per person / $50,000 limit per accident
Underinsured Motorist
Not required, but recommended
Property Protection (PPI)
Not required
Average rates vs National Average
Cellphone/Texting
Buy Cheap Oregon Auto Insurance in 2024
Explained
Hand-Held Cell Phone Ban:
Yes
In the state of Oregon, an officer can give a driver a citation for holding a cell phone even if no other driving offenses are taking place.
All Cell Phone Use Ban for Novice Drivers:
Yes
Drivers under the age of 18 cannot use a cell phone at all while driving.
Texting Ban:
Yes
In Oregon, text messaging is banned for all drivers.
DUI Laws
Buy Cheap Oregon Auto Insurance in 2024
Explained
The legal limit for a blood alcohol concentration (BAC):
0.08
The legal limit for a blood alcohol concentration (BAC) while driving is 0.08. It is a crime to drive with a BAC at this number or above it.
Increased penalty for high BAC:
0.15
There's an increased penalty for drivers with a BAC of 0.15 or above.
1st offense Suspension:
90 days
Administrative license suspension on the 1st offense: In Oregon, law enforcers can confiscate a first-time offender's driver's license for 90 days if he or she exceeds the legal limit. Limited driving privileges, such as to and from work, are permitted after 30 days.
Ignition Interlocks:
Mandatory for offenders and diversions
These are devices installed in the cars of convicted drunk drivers, which analyze the breath or the driver before starting the vehicle and disable the ignition if alcohol is detected. Oregon made the installation of ignition interlocks mandatory for offenders and diversions.
Repeat Offenders:
Yes
Minimum penalties for repeat offenders include suspension of driving privileges for at least one year, impoundment or immobilization of offender's vehicles, or the installation of ignition interlocks to all vehicles owned by the offender, mandatory alcohol assessment and treatment, and imprisonment or community service for a second-time offender. Third-time and further offenders can see longer imprisonment or community service sentences.
Open Container Law:
Yes
No driver or passenger can have any bottle, can, or other receptacle that contains any amount of alcohol that is open or unsealed in his or her possession or in any area of the vehicle where it would be easily accessible, including the glove compartment, by the driver or passengers. Open alcoholic beverage container can remain in the trunk of a vehicle or behind the last upright seat or in an area not normally occupied by the operator or passenger in a vehicle with no trunk.
Graduated Drivers License
Buy Cheap Oregon Auto Insurance in 2024
Explained
Learner Stage:
(Supervised driving, to be completed with a driving test): At 15 years of age, individuals can begin driving with supervision for a period lasting a minimum of six months. In this stage, the new drivers are required to get 50 hours of supervised driving if taking driver's education. If they aren't taking driver's education, they are required to get 100 supervised driving hours.
Intermediate Stage:
Min. Age: 16
Night Driving Restriction: Midnight-5am (with licensed passengers under 25 exempt)
Passenger Restriction: No passengers under 20 (first 6 months), no more than 3 passengers under 20 (following 6 months)
(Some limits are applied to unsupervised drivers in high-risk situations): Drivers who passed the driver's test at 16 are now unsupervised drivers in the intermediate stage. These drivers are not allowed to drive between the hours of midnight and 5am (with licensed passengers under 25 exempt) and cannot drive with more than one passenger under 20 for the first six months and no more than three passengers under 20 the following six months.
Full Privilege Age:
Age: 17
(Full driver's license): At the age of 17, Oregon drivers who took driver's education can now get a standard driver's license without any restrictions.
Speed Limit
Rural Interstates:
SPEED LIMIT
65
MPH
SPEED LIMIT
55
MPH
Urban Interstates:
SPEED LIMIT
55
MPH
SPEED LIMIT
55
MPH
Other Limited Access Roads:
SPEED LIMIT
55
MPH
SPEED LIMIT
55 MPH
Page Source: ghsa.org
Buy Cheap Oregon Auto Insurance in 2024
Department of Insurance
Website: dfr.oregon.gov/Pages/index.aspx
Address: 350 Winter Street N.E., Room 200, Salem, Oregon 97310-0200
Phone: 503-947-7980 or 1-888-877-4894 (toll-free)
Buy Cheap Oregon Auto Insurance in 2024
DMV Information
Website: www.oregon.gov/ODOT/DMV/Pages/index.aspx
Phone: 541-388-6322 or 541-686-7855 or 503-299-9999 or 503-945-5000 or 7-1-1 (Statewide Relay)
Call Center Hours:
8:00 am to 5:00 pm, Monday thru Friday, excluding statewide holidays