Oregon
Auto Insurance Coverages
There are so many companies offering auto insurance in Oregon. How do you know if you're choosing the right one? Allstate offers a variety of auto insurance policies, optional insurance coverages and other insurance products designed to meet your needs. And if your auto insurance needs change, you local Allstate agent will take time to help you make the right adjustments. If you have a teen driver, there are other considerations such as OR's Graduated Driver Licensing laws (refer to chart below).
For more information on this state, visit the Oregon State Information or Oregon State Catastrophe page.
Oregon Coverage Scale
As you consider what auto insurance coverages are right for you, keep in mind that Oregon has required minimum coverage levels. Only you can decide what auto insurance coverages are right for you, but refer to the chart below for more information about Oregon-required coverage levels and the most common car insurance coverages.
|
|
|
|
|
|
Coverage
|
State Requirements
|
Most Common
|
|
Bodily Injury Liability
|
25,000/50,000
|
100,000/300,000
|
|
|
Property Damage Liability
|
10,000
|
50,000
|
|
|
Uninsured Motorist Bodily Injury
|
25,000/50,000
|
100,000/300,000
|
|
|
Personal Injury Protection
|
10,000
|
10,000 with
0 deductible
|
|
|
Collision
|
Not required
|
500 deductible
|
|
|
Comprehensive
|
Not required
|
100 deductible
|
|
Oregon Graduated Driver Licensing
Graduated Driver Licensing laws have been proven to save teen lives. Review the Oregon GDL laws with your teen. Use this information to set rules for your teen driver and help protect them on the road.
|
|
|
|
|
|
Insurance Institute for Highway Safety Rating
|
Good
|
|
Minimum Entry Age
(Optimal: 16)
|
15
|
|
|
Extended Learner Period
(Optimal: at least 6 months)
|
Has optimal provision
|
|
|
Parent Certification
(Optimal: 30 hours minimal)
|
Has optimal provision
|
|
|
Night Restriction
(Optimal: 9 or 10 p.m.)
|
Has the provision
but it is not optimal
|
|
|
Passenger Restriction
(Optimal: only 1 non-family member)
|
Has optimal provision
|
|
|
Minimum Exit Age
(Optimal: 18)
|
17
|
|
For more information on talking to your teen driver about safe driving, download the Parent-Teen Driving agreement (PDF format). Help protect your teen by taking time to learn more about teen driving research, facts, tips, driving laws, and programs.
Click here to get an auto insurance quote. Or, you can call 1-866-621-6900 to quote over the phone.
Click on the state listed below to learn more about teen driving rules and insurance coverages in that state.
Arizona, California, Idaho, Nevada, Utah, Washington
Coverage limits/deductibles identified as "most common" in the chart above are the most popular limits/deductibles selected by Allstate Insurance Company policyholders in Oregon. Please note state minimums may change from time to time. Check with your state if you have additional questions about current state minimum.