Motorcycle Insurance in Oregon

Get a policy that fits your needs and budget.

Written by Candace Jenkins
Written by Candace Jenkins

Candace Jenkins is a licensed insurance advisor with over a decade of experience. She is also a writer and loves to write on all things insurance. Candace writes for on a continuous basis and is here with the facts about all your insurance inquiries.

Reviewer: Jeffrey Green Reviewed by Jeffrey Green
Reviewer: Jeffrey Green
Reviewed by Jeffrey Green

Jeff Green has held a variety of sales and management roles at life insurance companies, Wall street firms, and distribution organizations over his 40-year career.  He was previously Finra 7,24,66 registered and held life insurance licenses in multiple states. He is a graduate of Stony Brook University.

Motorcycle driver and helmet. Find Oregon motorcycle insurance.

Some of Oregon's approximately 4.2 million residents cruise the roadways on their motorcycles, and if you're one of them, you can obtain the right policy that meets state requirements and suits your needs through a local expert. 

An independent insurance agent has a network of dozens of carriers so that you can have the best coverage and premium options. They'll do the shopping for free, making it a no-brainer. Connect with a trusted adviser to get started easily.

What Is Motorcycle Insurance?

Motorcycle insurance is similar to your auto policy, except it provides coverage for your motorcycle specifically. It protects in this way:

  • Motorcycle insurance: Pays for a liability and property damage loss due to an accident involving your motorcycle. Optional coverages are available as well. 

What Are the Minimum Motorcycle Insurance Requirements in Oregon?

Similar to other states, Oregon enforces mandatory minimum liability insurance for motorcyclists. Liability insurance is designed to protect you from financial devastation when you are responsible for a collision where a third party suffers injury or property damage. The minimum liability coverage for motorcyclists in Oregon is:

  • Motorcycle insurance requirements: $25,000 for bodily injury per person/ $50,000 bodily injury per accident/ $20,000 property damage per accident

Additionally, Oregon 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

What Does Motorcycle Insurance Cover in Oregon?

To meet Oregon state requirements, a basic motorcycle insurance policy will include:

  • Liability coverage: This is designed to cover the expense of any third-party injuries or property damage if you're found responsible for a collision while driving your motorcycle.
  • Uninsured motorists coverage: This coverage pays for your personal injuries or property damage in a collision if the responsible party does not have their own insurance policy.
  • Personal injury protection (PIP): This is designed to cover any necessary medical treatments if you are injured in a collision, regardless of fault.

What Are Other Motorcycle Insurance Options in Oregon?

In Oregon, 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 coveragePays for damage to your car from a collision with another driver, regardless of fault. 
  • Comprehensive coverage: Pays for damage to your car due to a non-collision event such as a flood or theft.
  • 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?

Oregon premiums for motorcycle insurance can vary significantly from one person to the next. Premiums are calculated according to the following risk factors below:

  • Where you store your bike when not in use
  • The coverage options and amounts you purchase
  • The amount of your deductible
  • The make, model, year, and value of your bike
  • Where and how often you ride
  • Your age and experience level

You may be able to obtain reduced rates if you bundle your motorcycle insurance with other policies such as home or auto. Be sure to ask about available discounts when shopping for coverage with your local adviser.


Better Motorcycle Insurance

Our independent agents shop around to find you the best coverage.

Why You Should Shop Your Motorcycle Insurance with an Independent Insurance Agent in Oregon

If you're looking for the best motorcycle insurance policy in Oregon, you're not alone. There are several carrier and coverage options, which can make finding the right insurance challenging. Fortunately, there are experienced advisers who can help at no additional cost. 

An independent insurance agent has access to multiple markets at once, limiting your work and providing you with highly rated carriers. They'll do the comparing on your behalf and present you with an excellent motorcycle policy to review. Consult with a trusted agent to get started in minutes. 

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