Oregon Car Insurance

When you’re covered by Lemonade Car, you won’t feel alone driving in the Beaver State.

Team LemonadeTeam Lemonade

Whether you’re heading to Crater Lake for your next outdoors adventure, or cruising down to a little known cafe in Portland for a coffee moment—you always want to drive with confidence in the Beaver State. That’s where Lemonade car insurance comes in. 

We offer top-of-the-line coverage, and fairly price your policy based on how many miles you actually drive.  

Lemonade Car’s pay per mile program in Oregon was built on 3 billion miles of driving data, and designed to really shine for low-mileage, safe, and environmentally conscious drivers. 

Plus, pay per mile policies offer the same standard insurance coverage options and add-ons as traditional car insurance programs. 

Read below to get the full scoop on the coverages offered and required in Oregon. Or you can just go ahead and apply for your policy with Lemonade Car. It’s fast, easy, and even kind of fun! 

get your Oregon Car Insurance quote

Here’s what we’ll be discussing: 

Required Oregon Coverages 

Every state has different rules and regulations pertaining to auto insurance. In Oregon, you’re required to carry the coverages we’ll discuss below (although in certain cases you can opt out of coverages if you really don’t want them). 

Just a refresher: A “limit” in regard to your car insurance policy refers to the maximum amount your insurer would pay out on a certain type of claim. 

For example, Oregon drivers are required to have a minimum of $25,000/$50,000 of bodily injury liability coverage. That means that for a certain type of claim your car insurance company could pay out a maximum of $25,000 of bodily injury coverage per person, and $50,000 of bodily injury coverage in total (for all of the people injured in an accident.)

Liability coverage

If you’re a law-abiding driver (and we know you are), you’re required in most states to have at least some liability coverage to be on the road. 

Liability insurance is broken down into two parts: bodily injury liability and property damage liability. Note that both parts apply to damage to other people and their vehicles, not to yourself or your own car. 

  • Bodily injury liability coverage. If you accidentally injure someone else who is not a passenger in your car, this type of coverage can help cover their medical bills
  • Property damage liability coverage. If you damage someone’s car or personal property, this type of coverage can cover the cost to repair or replace what was damaged

Lemonade Car offers several options for bodily injury liability coverage. The lowest option (and the minimum coverage amount required by Oregon law) is $25,000/$50,000. From there, you could choose $50,000/$100,000, $100,000/$300,000, or $250,000/$500,000.

For property damage liability coverage, Lemonade Car offers coverage starting at $20,000 (the minimum coverage required by Oregon law), and going up to $50,000 or $100,000.

Uninsured/underinsured driver bodily injury coverage (UMBI)

Not everyone follows the rules, or gets sufficient liability coverage to foot all of the medical expenses if they injure you in an accident. So what if you’re involved in a crash with someone who has insufficient insurance, or no insurance at all? That’s where uninsured motorist coverage comes in. 

Uninsured/underinsured driver bodily injury coverage (UMBI) can help cover your medical bills and lost wages related to injuries caused by an uninsured or underinsured driver. 

Lemonade offers several options for uninsured/underinsured motorist bodily injury coverage: $25,000/$50,000, $50,000/$100,000, $100,000/$300,000, or $250,000/$500,000. 

We will automatically include UM/UIMBI at the same limits as your bodily injury liability coverage when you get a quote, but you can lower the limits of this coverage if you want to. 

The state of Oregon allows you to lower this coverage if you sign a certain form. Once you’ve set up your policy, you can seamlessly make the changes and sign the necessary form digitally, all on the Lemonade app.

Personal Injury Protection (PIP)

If you or other passengers in your car get hurt in a covered car accident, this coverage comes into play, regardless of who was at fault. Imagine that you drove off the side of the road and hit a tree. You end up breaking your wrist, and require an X-ray and a cast. Some of your medical costs could be covered by personal injury protection (PIP).

PIP can provide coverage for some medical expenses, including, but not limited to:

  • Ambulance fees after an accident
  • X-rays, surgeries, or prostheses
  • Health insurance co-pays
  • Doctors and hospital visits
  • A percentage of your lost wages as a result of your injuries 
  • Childcare or house cleaning expenses
  • Nursing services
  • Funeral services

Lemonade Car offers Oregon drivers PIP coverage with limits of $15,000 per person (the minimum coverage required by Oregon law). 

Great coverages to have in Oregon 

While Oregon law doesn’t mandate the following coverages, you’ll want to consider them for true peace-of-mind while on the road.

Uninsured/underinsured driver property damage coverage (UMPD)

If you get into a car accident with an uninsured driver, or with a driver who doesn’t have enough property damage liability coverage, this type of coverage can cover the costs of repairing your vehicle. 

Lemonade Car offers uninsured/underinsured driver property damage coverage with limits of $20,000.  

Comprehensive coverage

Also known as “act of god” coverage, comprehensive insurance coverage helps pay to fix damage to your car (or possibly replace the car entirely) following a covered incident that wasn’t a car accident.

That means if your car is stolen, vandalized, or has an unexpected rendezvous with an animal, comprehensive coverage can kick in to repair or replace your car. It’ll also come in handy if a storm causes a tree to fall on your Tesla, for instance.

Lemonade Car offers comprehensive coverage with deductibles of $250, $500, or $1,000.

Lemonade will pay up to the actual cash value of your car following a covered incident.

If you lease or finance your car, comprehensive coverage will probably be required from your lender. 

Collision coverage 

Collision coverage helps pay to repair or replace your own car if it’s damaged in a covered accident with another vehicle or object, especially if you’re the one who caused the accident. 

If you’re technically at fault for the damages to your car in the case of a covered accident, your collision coverage will kick in for repairs on covered claims and get you back on the road.

Lemonade Car offers collision coverage with deductibles of $250, $500, or $1,000.

Lemonade will pay up to the actual cash value of your car following a covered incident.

If you lease or finance your car, collision coverage will probably be required from your lender. Lemonade Car drivers who want collision coverage must also carry comprehensive coverage on their policy. 

Lemonade Car extras that are great to have 

Want to really be cruising with confidence? Round out your Lemonade Car policy with some of the following coverages. 

Roadside assistance 

Roadside assistance provides towing and other emergency roadside services like lockout services, flat tire replacement, jumpstarts for dead batteries, fuel delivery, and winching and battery service if your car breaks down. 

With Lemonade Car, roadside assistance is an optional coverage that you can include for each car on your policy. You’ll be eligible for up to 3 complimentary services during a 6-month term for each car that you cover with roadside assistance.

Just make sure to download the Lemonade app. That way you can request roadside assistance—and we can send help—in a flash.

Lemonade Car extras

Temporary transportation coverage

If you need alternative transportation while your car is being repaired after a covered incident, most insurers only offer the option of a rental car.

But Lemonade works differently, and will cover almost any type of transportation for up to a month while you’re waiting for your car in the shop. This includes Uber, Lyft, rental car expenses, or even public transportation like buses or Citi Bikes, up to your daily limit.

If you have both collision and comprehensive coverage on your car, you’ll get the option of selecting temporary transportation coverage for your car as well. 

With Lemonade Car, if you choose to get temporary transportation coverage, you can sign up for a $30, $40, or $50 daily limit (for up to 30 days).

How much does Lemonade Car insurance cost in Oregon?

Well, that depends. 

Lemonade offers car insurance you can customize, because you deserve a policy that feels just right—and fits your budget. 

When you buy a policy with Lemonade Car in Oregon, each month you’ll pay a different price; it’s a calculation of the number of miles you drive multiplied by your per-mile price, plus your monthly base price that doesn’t change. 

That means that you determine how much you save each month based on how many miles you actually drive (cha-ching). 

How much does Lemonade Car insurance cost in Oregon?

Wondering how we determine your mileage—and your premium—with precision? Here’s how it works: When you buy a policy, we’ll send you a device that you’ll need to plug into your car’s OBD-II port.

The device uses telematics, which lets us track your mileage down to the foot, and other info about your real-time driving behavior—like speed, braking, and the time of day you drive—which helps us price your policy fairly. 

Learn more about the cost of Lemonade car insurance

The most straightforward way to get a sense of how we price Lemonade car insurance rates is by applying for coverage via our mobile app or website. It’s fast, easy, and simple to compare.

Apply now to get car insurance quotes in Oregon. 

get your Oregon Auto Insurance quote

Before we go… 

Oregon drivers, we’re excited for you to take Lemonade Car for a spin (we just hope you don’t get stuck in Portland traffic). 

If you’re looking to dive deeper into Lemonade car insurance, go ahead and…

Happy driving!

get your Car Insurance in Oregon

A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them.represent their own views, and Lemonade assumes no responsibility for them. Coverage may not be available in all states.


Please note: Lemonade articles and other editorial content are meant for educational purposes only, and should not be relied upon instead of professional legal, insurance or financial advice. The content of these educational articles does not alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. While we regularly review previously published content to ensure it is accurate and up-to-date, there may be instances in which legal conditions or policy details have changed since publication. Any hypothetical examples used in Lemonade editorial content are purely expositional. Hypothetical examples do not alter or bind Lemonade to any application of your insurance policy to the particular facts and circumstances of any actual claim.