Mandatory insurance — Oregon Permit Test

Mandatory insurance on the Oregon permit test — 2 rules, each with the reason behind it and a question on it while it is fresh.

The rules

Oregon requires bodily injury and property damage cover of at least $25,000 per collision for one person, $50,000 per collision for two or more persons, and $20,000 per collision for damage to the property of others.

These are minimums rather than recommendations, and a collision costing more than them is paid out of your own pocket.

Bodily Injury and Property Damage: $25,000 per collision for one person; $50,000 per collision for bodily injury to or death of two or more persons; and $20,000 per collision for damage to the property of others.

2026-2027 Oregon Driver Manual, p.93

Oregon requires personal injury protection of $15,000 per person for reasonable and necessary expenses within two years of the injury, and uninsured motorist cover of $25,000 per person and $50,000 per collision for bodily injury.

It pays whoever is hurt in your car whether or not the crash was your fault, which liability cover does not.

Personal Injury Protection: $15,000 per person for reasonable and necessary expenses within two years after the date of the person's injury.

2026-2027 Oregon Driver Manual, p.93

On the test

What is Oregon's minimum bodily injury cover for one person per collision?

$25,000. These are minimums rather than recommendations, and a collision costing more than them is paid out of your own pocket. 2026-2027 Oregon Driver Manual, p.93: “Bodily Injury and Property Damage: $25,000 per collision for one person; $50,000 per collision for bodily injury to or death of two or more persons; and $20,000 per collision for damage to the property of others.”

How this works

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Where these come from

Every rule here is checked against 2026-2027 Oregon Driver Manual, published by the Oregon Department of Transportation, and against the state code itself. Last checked 2026-09-15.