Motorcycle Insurance Minimum Requirements in Oregon

Oregon Insurance Requirements for Motorcycles

Liability insurance is required in amounts of this much or more:

• $25,000/person: bodily and property damage.

• $10,000/crash: property damage to another party.

• $50,000/crash: bodily injury to another party.

• $25,000/person and $50,000 per crash of Uninsured Motorist Coverage.

• $15,000: Personal Injury Protection (PIP) insurance, covering accident-related costs.

There are more types of coverage you can buy, too. For example, you can buy coverage that covers a rental car. You may also want to have higher amounts of coverage, especially if you have assets to protect.

Get several quotes. Your premium costs are affected by many factors, including your age, your driving record, and whether you have all your insurance provided by one company (which may offer you a discount for doing so).

How Coverage Affects Helmet Requirements

Everyone must wear a helmet, no matter the age. Whether or not you wear a helmet will not affect your insurance costs.

Proof of Insurance and Financial Responsibility

The state allows you several different methods to prove you’re insured. While you’re using your motorcycle, you must always have one of the following:

• The actual insurance card, or a copy.

• The actual insurance policy.

• Official signed letter from the insurance agent, stating that you are insured and what your policy number, license plate, and name is.

If you are a dealer, you will provide either:

• An Oregon auto dealer license plate.

• A DMV Certificate of Self-Insurance.

Penalties for Failure to Maintain Financial Responsibility

Having no proof of insurance when you are in an accident or pulled over for a traffic citation can result in:

• License suspension.

• The necessity of filing an SR-22 certificate proving your financial responsibility with the DMV for the next three years.

• Fines and penalities.

Random Insurance Checks

In addition to your physical proof of insurance that you must carry, the DMV picks names out of a hat to check on whether they are keeping up with insurance. One day, you might receive a letter asking you for your policy number and insurance company name. Then the DMV calls the insurance company and asks if you are covered.

If you never respond to the letter, your license will be suspended (another reason to notify the DMV of any change of address).