Oregon offers motorcyclists great scenery and many great rolling and twisting roads on which to ride, so it is little wonder that so many people own bikes in this state. Of course, with motorcycle ownership comes the need for motorcycle insurance, so it is a good idea to compare several quotes in Oregon before purchasing a policy. Whether you prefer riding along the Oregon coast or through the Wallowa Mountains, a comprehensive policy will help you protect your finances and in the investment you have made in your bike.
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OR State Laws Pertaining to Motorcycle Use and Ownership
Oregon defines a motorcycle as any self-propelled (motorized) vehicle other than a moped or farm tractor that has a seat or saddle for use of the rider, is designed to be operated on the ground upon wheels, and is designed to travel with no more than three wheels in contact with the ground at any given time. Therefore, owners of dirt bikes, sport bikes, choppers and traditional motorcycles must register their vehicles and carry the state-required liability insurance coverage. Other laws pertaining to motorcycle use in this state include:
- As of January 1, 2014, all new motorcyclists age 61 and younger must complete an ODOT-approved motorcycle safety course before they can be issued a motorcycle endorsement by the DMV.
- All new riders under the age of 21 are also required to take the Basic Rider Training course as part of the endorsement process
- Compulsory liability insurance is required
- Daytime use of a headlight is required
- Motorcycles operating two abreast in the same lane is permitted
- The use of a safety helmet is required unless the rider is in an enclosed cab
- The use of eye-protection is not required
- Passengers are permitted without age restrictions so long as
- A passenger seat is available on the motorcycle, and
- Passenger footrests are included on the bike
- A muffler is required
- Motorcycles are required to have at least one side view mirror
Minimum Insurance Requirements for Motorcyclists in Oregon
Like every other state, Oregon enforces mandatory liability insurance coverage minimums for motorcyclists. Liability insurance is designed to protect you from major financial losses if you are responsible for a collision in which a third-party suffers property damage or injuries. In this state, the minimum liability coverage amounts are:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident involving two or more injured parties
- $10,000 in property damage coverage per accident
Additionally, the state requires motorcyclists to carry:
- Uninsured motorists coverage in the amount of $25,000 per person
- Uninsured motorist coverage in the amount of $50,000 per crash
- Personal injury protection (PIP) in the amount of $15,000
Failure to carry insurance that meets the state’s minimum requirements can result in suspension of your license, fines and penalties, and the requirement to file an SR-22 certificate proving your financial responsibility with the DMV for the next three years.
What Does Motorcycle Insurance Cover?
To meet Oregon state requirements, a basic motorcycle insurance policy will include:
- Liability coverage: This is designed to cover the costs associated with third-party injuries or property damage if you are responsible for a collision while operating your motorcycle
- Uninsured motorists coverage: This is designed to cover personal injuries or property damage sustained by you in a collision if the responsible party lacks sufficient insurance to cover your costs or if you are in an accident with a hit-and-run driver.
- Personal injury protection (PIP): This is designed to cover any necessary medical treatments if you are injured in a collision, regardless of fault.
Motorcycle insurance offers some other options, as well, and many bike owners can benefit from including these options in their policies. You may want to consider:
- Collision coverage: This is designed to cover the cost to repair or replace your motorcycle if you are involved in an accident, regardless of fault. This coverage may be required by your finance company if you are still making payments on your bike.
- Comprehensive coverage: Also known as “other than collision coverage,” this is designed to compensate you for the cost to repair or replace your bike if it is lost or damaged while not in use. Covered events include vandalism, theft, falling objects, flood and fire. This coverage may also be required by your finance company if you are still making payments on your bike.
- Roadside assistance: This is designed to cover assistance or towing if your bike becomes disabled while you are on the road.
How Much Does Motorcycle Insurance Cost in Oregon?
Quotes for motorcycle insurance can vary significantly from one person to the next, but you can expect a basic policy to start at around $40 per month. Premiums are calculated according to several considerations, including:
- The make, mode, year and value of your bike
- Where and how often you ride
- Where you store your bike when not in use
- The coverage options and amounts you purchase
- The amount of your deductible
- Your age, gender and driving history
You may also be able to qualify for discounts on your policy. Some insurance companies offer reduced rates if you bundle your motorcycle insurance with other policies such as home or auto. Be sure to always ask about available discounts when you request motorcycle insurance quotes.
Review a Variety of Motorcycle Insurance Quotes with Ease
If you comparison shop for insurance coverage on your own, you may find the process to be time consuming and, at times, frustrating. This is because each insurer will need to collect several details about you and your motorcycle before they can present you with a quote. Independent insurance agents in the Trusted Choice® network can simplify this process by taking your information just one time and then doing the leg-work for you.
Discover how a Trusted Choice agent in Oregon can help you. Contact a local member agent through our website and you can start comparing motorcycle insurance quotes in no time.