Motorcycle Insurance Minimum Requirements in Oregon
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There’s only one way to prove that you’re financially responsible enough to be out on Oregon roads with a motorcycle―buying insurance.
Ways to Establish Financial Responsibility
A few other states allow residents the option of depositing a bond or self-insuring in lieu of purchasing insurance; this is not the case in Oregon. You must purchase insurance for your motorcycle or moped.
If you are a motorcycle dealer, you might have the option of self-insuring. Call the DMV office to ask what you need to do.
Two-Wheeled Vehicles Defined
When must you register and insure your two (or sometimes three) wheeled vehicle? Basically, if you can go 30 mph, you will have to carry insurance.
- Mopeds are defined as having two or three wheels, can be propelled by pedals, cannot go over 30 mph, and have an engine that is not more powerful than 50 ccs.
- All other cycles with more powerful engines and no pedals, including motor scooters, are classified as motorcycles (like Vespas).
These motor-propelled vehicles are exempt from registration and insurance:
- Pocket bikes and mini-motorcycles.
- Electric assisted bicycles. These are less powerful than 1,000 watts and can’t travel more than 20 MPH.
- Electric personal mobility devices. These have two wheels, an electric motor, and transports one standing person (like Segways).
- Motor-assisted scooters. These have two or three wheels, a limit of 24 mph, and an engine that is 35 ccs or less or is less than 1,000 watts (for electric).
- Snowmobiles and tractors.
If you still cannot determine whether you need insurance, call the DMV office and ask: (503) 299-9999.
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.
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.
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).
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Insurance Resource Center
- Auto Insurance Requirements
Oregon car insurance can be difficult to understand. Learn more about Oregon auto insurance requirements and options.
- Motorcycle Insurance Minimum Requirements
OR financial responsibility requirements for your moped, atv, scooter or motorcycle. Protect your bike and your liability in Oregon by purchasing motorcycle insurance.
- Commercial Auto Insurance Minimum Requirements
Commercial vehicle insurance requirements in OR. Protect your rig or your fleet by maintaining proper financial responsibility on your commercial vehicles in Oregon.
- Penalties For Driving Without Insurance
Learn More On Penalties For Driving Without Insurance In Your State. No Insurance Violations Vary By State. Avoid Allowing You Car Insurance Policy To Lapse.
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