Oregon Insurance Requirements
Minimum liability coverage required to drive legally, plus uninsured-motorist and SR-22 rules.
- Insurance required
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Oregon requires every driver to carry liability insurance on every vehicle operated on public roads. Driving uninsured is grounds for license suspension. Proof of insurance must be presented at the drive test, at traffic stops, and after collisions.
Source: OR Driver Manual 2026-2027, "Mandatory Insurance," p.92-93. ORS 806.010 (financial responsibility requirement). Verified Apr 2026
- Minimum bodily injury: per person
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$25,000
Source: OR Driver Manual 2026-2027, p.92: "Bodily Injury and Property Damage: $25,000 per collision for one person." ORS 806.070. Verified Apr 2026
- Minimum bodily injury: per collision
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$50,000
Source: OR Driver Manual 2026-2027, p.92: "$50,000 per collision for bodily injury to or death of two or more persons." ORS 806.070. Verified Apr 2026
- Minimum property damage
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$20,000
Source: OR Driver Manual 2026-2027, p.92: "$20,000 per collision for damage to the property of others." ORS 806.070. Verified Apr 2026
- Uninsured-motorist coverage required
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Uninsured-motorist (UM) coverage is mandatory in Oregon. Minimum: **$25,000 per person / $50,000 per collision** for bodily injury. Personal Injury Protection (PIP) is also mandatory: $15,000 per person for reasonable medical, dental, and related expenses within two years of injury.
Source: OR Driver Manual 2026-2027, p.92: "Uninsured Motorist Coverage: $25,000 per person; $50,000 per collision for bodily injury." ORS 742.502 (UM); ORS 742.520 (PIP). Verified Apr 2026
- SR-22 / Future Responsibility Filing trigger
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Oregon calls its SR-22 equivalent a **Future Responsibility Filing (FRF / Form SR-22)**. It is required after: - A **DUII conviction**: 3 years from the date of suspension/reinstatement (ORS 813.510) - **Driving uninsured**: typically 3 years - **Reinstatement after a suspension** for at-fault uninsured crashes, financial-responsibility judgments, or repeat moving-violation suspensions - Reinstatement after **certain serious traffic crimes** (e.g., reckless driving with injury, leaving the scene) The filing certifies that the driver is carrying at least Oregon's minimum liability insurance and authorizes the insurer to notify DMV of any lapse. A lapse triggers immediate license suspension for the remainder of the FRF term.
Source: ORS 806.240 (Future Responsibility Filing); ORS 806.245 (proof of compliance); ORS 813.510 (DUII-related FRF). Handbook does not detail SR-22 requirements. Verified Apr 2026
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