Oregon Motorcycle Insurance (2024)

Obtaining dependable and discounted motorcycle insurance with Progressive in the Beaver State is as easy as cruising the Oregon coast on a perfect-weather day. We offer customized coverage to properly protect your bike and multiple discounts to help make motorcycle insurance affordable. Find out if motorcycle insurance is required in Oregon and how Progressive can help personalize your policy.

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What are the minimum requirements for motorcycle insurance in Oregon?

Oregon requires you to carry a policy with motorcycle liability coverage for bodily injury and property damage as well as uninsured/underinsured motorist bodily injury coverage before you can legally ride. Keep in mind that property damage liability doesn’t cover your bike.

Required coverage	What it covers	Minimum amount
Bodily injury liability	What it coversInjuries you cause to others in an accident	Minimum amount$25,000 per person $50,000 per accident
Property damage liability	What it coversProperty damage you cause to others in an accident	Minimum amount$25,000 per accident
Uninsured/underinsured motorist bodily injury	What it coversYour medical expenses an uninsured or underinsured motorist causes	Minimum amount$25,000 per person $50,000 per accident

Do you need comprehensive and collision coverage?

Comprehensive motorcycle coverage and collision motorcycle coverage are both optional if your motorcycle is paid off. However, if you finance or lease your bike, your lender will typically require both coverages in order to protect their investment. Comprehensive safeguards against events out of your control: motorcycle theft, vandalism, hitting an animal, fire, and weather-related issues. Collision can pay to repair or replace your motorcycle if it collides with another object or vehicle, regardless of who's at fault.

How much is motorcycle insurance in Oregon?

In 2023, the annual cost for Progressive motorcycle insurance in Oregon with liability coverage only was $173.61.^* Many factors affect your price for motorcycle insurance, such as your age, location, riding experience, type of bike. and coverage selection. Learn more about the cost of motorcycle insurance.

Pro tip:

Bundle and save with two or more Progressive insurance policies. Get a multi-policy discount when you combine motorcycle insurance with homeowners, renters, auto, RV or boat insurance.

What's the best motorcycle insurance in Oregon?

From Portland to Medford, the best motorcycle insurance in Oregon features dependable and personalized coverage at an affordable cost. One in three insured motorcycle riders choose Progressive.^** We offer cheap motorcycle insurance in Oregon without eliminating the valuable protection you need for peace of mind while riding.

You can lower your motorcycle insurance cost in Oregon with motorcycle insurance discounts, such as:

Multi-policy discount
Safe and steady rider
Safety course
Association membership discount
Advanced quote

Find out more ways to lower the cost of motorcycle insurance.

Additional motorcycle insurance coverages available in Oregon

For more protection in Bend, Eugene, Salem, or any other city in Oregon, the following optional coverages may be added to your Progressive motorcycle policy:

Motorcycle accessory coverage: May pay for damages to the upgrades made to your bike and equipment, such as chrome pieces, handlebars, and custom paint, and wheels
Medical payments: May pay for injuries suffered by you or your passengers, regardless of fault
Total loss coverage: May pay for the full value of your bike in the event of a total loss, protecting against depreciation (available only for bikes no more than one model year old on a new policy)
Carried contents and personal belongings: Pays to replace the personal effects you're carrying when a covered loss occurs, including theft
Enhanced injury protection: Can pay as much as $250 a week for two years if you can't work due to injuries sustained during a crash
Roadside assistance: Covers the cost of towing your bike to the nearest repair shop

Learn more about motorcycle insurance coverages.

Important Oregon motorcycle insurance laws

Per the Team Oregon Motorcycle Safety Program, if you ride without your helmet in Oregon, the penalty may be as much as $720 plus courts costs
Oregon law states that you need a motorcycle permit/endorsem*nt if your motorcycle goes over 30 mph on level ground or is over 50cc
Moped riders are required to carry a valid class C or higher driver's license, according to the Team Oregon Motorcycle Safety Program