Oregon Teen Driver Insurance: Costs and Discounts
Oregon requires 25/50/20 liability coverage and is an at-fault state.
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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
State Requirements
Oregon's graduated driver licensing (GDL) program includes three stages: learner's permit at 15, intermediate license at 16, and full driving privileges at 17 or 18 depending on completion requirements. State law requires insurers to offer good student discounts to teen drivers who meet academic standards.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
Uninsured/Underinsured Motorist (UM/UIM)
Collision and Comprehensive
Cost Overview
$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
- Telematics programs (usage-based insurance): Major carriers in Oregon offer smartphone or plug-in device programs that monitor driving behavior.
- Graduated licensing stage: Teens on learner's permits with limited unsupervised driving typically cost less to insure than those on intermediate licenses with independent driving privileges, though pricing varies by carrier.
Add Your Teen Without Doubling Your Bill
Compare Teen Driver 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
Frequently Asked Questions
What are Oregon's graduated licensing restrictions and how do they affect insurance?
Oregon's graduated driver licensing program has three stages: learner's permit at age 15 (supervised driving only, must hold for 6 months and complete 50 practice hours), intermediate license at age 16 (no more than 3 passengers under 20 unless supervised, midnight–5am driving curfew, no cell phone use), and full privileges at age 17 (if held intermediate for 1 year with no violations) or age 18. Teens on intermediate licenses typically cost more to insure than learner's permit holders due to independent driving privileges, but rates decrease meaningfully once full licensing is achieved.
Can my college student keep the distant student discount in Oregon if they take the car to school?
Distant student discounts in Oregon typically apply when the student attends school more than 100 miles from home and does not regularly drive the insured vehicle — meaning they leave the car at home. If the student takes the car to campus, they usually cannot claim the distant student discount, but they may still qualify for good student discounts and potentially lower rates if the college is in a lower-cost rating territory than the family's home address. Always notify your insurer when a teen takes a vehicle to college, as garaging location affects rates and coverage.
Coverage Types
Liability Insurance (Higher Limits)
Oregon's 25/50/20 minimum is often inadequate for families with assets to protect. Many parents increase to 100/300/100 when adding a teen driver.
Collision Coverage
Pays to repair your teen's vehicle after an at-fault accident or single-vehicle crash. Required if financing; optional if the vehicle is paid off.
Comprehensive Coverage
Covers theft, vandalism, weather damage, and animal strikes. Portland metro and rural Oregon areas both see comprehensive claims, though for different reasons.
Personal Injury Protection (PIP) — Enhanced Limits
Oregon mandates $15,000 PIP minimum, but many parents increase to $25,000–$50,000 for teen drivers to cover higher medical costs in serious accidents.
Uninsured/Underinsured Motorist Coverage
Protects your family if your teen is hit by a driver with no insurance or insufficient liability limits. Oregon requires insurers to offer this at limits matching your liability coverage.
Full Coverage (Liability + Collision + Comprehensive)
The combination of state-required liability and PIP plus collision and comprehensive. Necessary if financing a vehicle; optional for paid-off older cars.