Teen Driver Insurance in Oregon: Parent & New Driver Guide
Oregon requires 25/50/20 liability coverage and is an at-fault state.
Free to compare
Oregon at a Glance
25/50/20
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
PIP and Uninsured motorist coverage must be on every policy
15
Minimum learner's permit age, 50 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Oregon
For teen drivers, Oregon law requires all insurers to offer a good student discount to drivers under 25 who maintain a B average or better—a significant cost reducer for parents adding a teen. Oregon's graduated licensing program begins at age 15 with a learner's permit, advances to a provisional license at 16 with passenger and nighttime restrictions, and grants unrestricted licensing at 17 or after one year without violations.
Liability Insurance
Personal Injury Protection (PIP)
Uninsured/Underinsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
What Drivers Pay in Oregon
$221–$435/mo
Typical monthly rate in Oregon, adding a driver aged 16–19 to a parent's policy
Rate data: Insurify and ValuePenguin, 2025
What Affects Your Rate
- Graduated licensing stage: Teens with a learner's permit who only drive under supervision are rated lower than those with a provisional license driving independently, even with passenger and curfew restrictions; insurers reduce rates once the teen reaches unrestricted licensing at 17 or after one violation-free year.
Cover Your New Driver for Less
Compare Teen Driver Insurance RatesRules for new drivers
Night driving
midnight-5am
Passengers
no passengers younger than 20 first 6 months, then max 3 (family exempt)
Source: IIHS and state DMV records, verified July 2026
Coverage Types
Liability Insurance
Covers injuries and property damage your teen causes to others in an at-fault accident. Parents are jointly liable for damages caused by a minor driver in their household, making higher limits a financial necessity.
Personal Injury Protection (PIP)
Covers medical expenses, lost wages, and essential services for you and your passengers regardless of fault—critical when a teen driver is involved in an accident.
Collision Coverage
Pays to repair or replace your vehicle after an accident, regardless of fault. Required by lenders on financed vehicles; optional on vehicles owned outright.
Comprehensive Coverage
Covers non-collision losses: theft, vandalism, weather damage, fire, and animal strikes. Risk is independent of the teen's driving skill.
Uninsured/Underinsured Motorist Coverage
Protects you if your teen is hit by a driver with no insurance or insufficient coverage to pay for injuries and damages.
Full Coverage (Comprehensive + Collision + Liability)
Industry shorthand for a policy combining state-required liability, PIP, and UM with optional collision and comprehensive. Typically required by lenders and recommended for newer vehicles.