Oregon’s car insurance rates are moderately high due to urban congestion in Portland and challenging weather conditions. The state uses a fault-based liability insurance system with mandatory coverage requirements.
Oregon Auto Insurance Facts
Drivers
- ~3.5–3.7 million licensed drivers as of 2023.
- ~91% household vehicle ownership.
- Wide use of sedans and SUVs.
- Uninsured motorist rate near 12%.
- Relatively high use of public transportation in urban centers.
Accidents
| Year |
Reported Crashes |
Injury Crashes |
Fatal Crashes |
| 2018
| ~24,000
| ~7,000
| 260
|
| 2019
| ~25,000
| ~7,200
| 270
|
| 2020
| ~22,000
| ~6,400
| 250
|
| 2021
| ~23,500
| ~6,700
| 265
|
| 2022
| ~24,500
| ~6,900
| 275
|
Laws & Regulations
- Fault-based liability system.
- Proof of insurance required at registration.
