Motorcycle Insurance for Oregon
Oregon motorcycle insurance for riders who know the roads.
From the McKenzie Pass on OR-242 to the Historic Columbia River Highway, Roamly works with carriers who understand how Oregonians actually ride.
Oregon at a Glance
Requirement | Details |
|---|---|
Minimum liability | 25/50/20 ($25k bodily injury per person, $50k per accident, $20k property damage). Uninsured/underinsured motorist coverage is required at your liability limits unless you choose lower limits in writing. PIP isn't required on motorcycles. |
Helmet law | Required for every operator and passenger, at every age. Helmets must carry a sticker showing they meet the U.S. DOT standard. |
Lane splitting | Illegal. Oregon law bars riding between lanes of traffic or between rows of vehicles, and the 2025 bill to allow it died in committee. |
Registration | No safety inspection, and motorcycles are exempt from DEQ emissions testing. As of September 2026, motorcycle registration is $88 for two years, plus plate and title fees. |
Requirements and regulations may change. Verify with the Oregon Division of Financial Regulation and Oregon Driver & Motor Vehicle Services for the most current information.
What you need to know about Motorcycle Insurance in Oregon
Oregon requires uninsured/underinsured motorist coverage on every policy, doesn't require PIP on motorcycles, and makes insurers offer a discount to riders who've taken an approved safety course. Here's what actually shapes your policy.
Oregon's 25/50/20 Minimum
The state requires $25k/$50k bodily injury and $20k property damage. Uninsured/underinsured motorist coverage has to match your bodily injury limits unless you choose lower limits in writing — but it can't go below 25/50. We'll help you figure out what makes sense for how you ride.
Agreed Value for Custom Builds
Your Road Glide with the new bars and custom paint isn't a stock bike. Roamly works with carriers who may value your sweat equity, not some database guess.
Peer-to-Peer Rental Coverage
Riders fly into Portland every summer to ride the Gorge and the Cascades. Want to list your bike on Twisted Road or Riders Share for them? Many personal policies exclude rental use, so check yours first. Roamly works with carriers who may be able to help.
SR-22 Filing When Needed
If Oregon DMV requires an SR-22 — after an uninsured crash, a DUII conviction, or for a hardship permit — you'll generally need to keep it on file for three years. Roamly works with carriers that file SR-22s, and we'll help you get the filing started. No judgment.
Protection Beyond Basics
Type | Details |
|---|---|
Mechanical Breakdown Coverage | Engines fail at the worst times — like up on the McKenzie Pass, miles from the nearest town. Through Roamly's carrier partners, coverage may be available to help with sudden mechanical breakdowns beyond warranty. |
Riding Gear Coverage | Helmets, jackets, boots, and gloves — and in Oregon, the helmet isn't optional for you or your passenger. Roamly works with carriers who may offer coverage options to help protect your riding equipment. |
Agreed Value for Custom Builds | Your garage-built bike is worth more than a database number. Roamly works with carriers who offer Agreed Value coverage that may insure your build for what it's actually worth. |
Rent Your Bike Without Losing Coverage
The Columbia River Gorge, the Cascades, and Hells Canyon draw riders from all over the West. Listing your bike on Twisted Road or Riders Share can help it earn its keep between your own rides, but many personal policies exclude rental use — check yours before you hand over the keys. Roamly works with carriers who may cover your bike even when it's rented through legitimate platforms, which may help you earn from your bike while keeping it protected.
What Oregon Actually Requires
Oregon mandates 25/50/20 liability coverage plus uninsured/underinsured motorist coverage. That's $25k per person and $50k per accident for bodily injury and $20k for property damage, plus uninsured/underinsured motorist coverage at no less than 25/50. Every Oregon car policy has to include PIP, but a motorcycle policy doesn't — and your car's PIP generally won't cover you while you're riding — so medical payments coverage is worth a look. Add a DOT-compliant helmet for you and your passenger every time. The minimums keep you legal, but they won't go far if you total someone else's Road King or hurt someone badly — and liability alone doesn't pay to fix or replace your own bike. We'll help you figure out what makes sense for your situation.
Custom Builds Get Real Value
You built your bike the way you wanted it: Vance & Hines exhaust, Corbin seat, custom paint, and upgraded suspension. Stock book value doesn't account for the work you put in or the parts you upgraded. Roamly works with carriers who offer Agreed Value coverage options — we'll help document your build so it may be insured for an agreed amount that reflects your upgrades, which may help if you ever need to file a claim.
LEGAL DISCLAIMERS
Roamly is a licensed insurance agency. Insurance policies referenced are offered through Roamly and underwritten by third-party carriers including Progressive, National General, Foremost, Safeco, Nationwide, Dairyland, Mercury, and Plymouth Rock, among others. Not all products or coverages are available in every state. Coverage terms, conditions, limits, deductibles, exclusions, and availability vary by state, carrier, and policy. This page is provided for general information and is not a contract of insurance. See the actual policy for a full description of coverages, terms, and conditions. Oregon law references current as of September 2026 — confirm current requirements with the Oregon Division of Financial Regulation and Oregon Driver & Motor Vehicle Services.
Why Roamly?
Tailored coverage
We know a cruiser isn't a sport bike. Roamly helps you find the coverage that fits with how you ride, from dirt trails to open roads.
Custom parts protection
Most insurers offer minimal coverage for custom parts. Our partners provide up to $20,000 in coverage for your aftermarket mods and custom work.
Track day coverage
Most insurers don’t cover organized track events, riding schools, and time trials. Push your limits. We’ll make sure you’re covered.
Oregon requires 25/50/20 liability coverage: $25,000 per person and $50,000 per accident for bodily injury, plus $20,000 for property damage. Uninsured/underinsured motorist coverage is also required, at no less than $25,000 per person and $50,000 per accident. These minimums keep you legal, but they might not be enough if you cause serious damage or injury. Requirements may change — verify with the Oregon Division of Financial Regulation.
Yes. Oregon has a universal helmet law — every operator and passenger, at every age, needs a helmet with a chin strap and a sticker showing it meets the U.S. DOT standard. The only exceptions are riding in an enclosed cab and certain slow three-wheel vehicles.
It depends on your bike, riding history, where you live, and the coverage you pick. Your uninsured/underinsured motorist limits, and whether you add collision, comprehensive, or medical payments, will change the price. Get a personalized quote to find out your rate.
Roamly is a brokerage — we work with carriers who may cover your motorcycle while it's rented through platforms like Twisted Road and Riders Share. Many personal policies exclude rental use, so it's worth checking yours before you list. Coverage terms, conditions, and availability vary by state and policy.
Roamly works with carriers who offer Agreed Value coverage options. We may help document your mods up front so your bike can be insured for an agreed amount, not a depreciated database number. If it's totaled, the agreed value — less any deductible — is what the policy is built around. Coverage terms, conditions, and availability vary by state and policy.
Liability plus uninsured/underinsured motorist coverage is what Oregon requires — liability pays for damage you cause to other people and their property. "Full coverage" usually means adding collision and comprehensive, which help pay to repair or replace your own bike after a crash, theft, vandalism, or storm damage. If you're financing, your lender will likely require both.
An SR-22 is a certificate your insurer files with Oregon DMV to prove you carry at least the minimum coverage. Oregon can require it after a crash while uninsured, a conviction for driving uninsured or DUII, or when you apply for a hardship permit, and it generally stays on file for three years. Roamly works with carriers that file SR-22s and can help you keep it active. Coverage terms, conditions, and availability vary by state and policy.
It can. Oregon allows insurers to use credit information, but they can't cancel or non-renew a policy that's been in force more than 60 days based on your credit, and there are limits on using it at renewal. Your riding record, bike, and location are also major rating factors, and how much each one counts varies by carrier.
It can. Oregon requires insurers to offer a premium reduction on motorcycle liability, PIP, and collision coverage if the principal rider completed an approved rider education course, like TEAM OREGON, within the three years before the policy period. The discount applies to one motorcycle per person and not to bikes used for business. Ask us about it when you get a quote.
Still have questions?
Call us at 877.725.1245
Oregon Motorcycle Insurance Quotes in Minutes
Oregon motorcycle insurance for riders who know the roads.
* Roamly is an insurance agency, not a carrier. Coverage, limits, and availability vary by carrier and by state, and are subject to underwriting approval.
Roamly Insurance Group, LLC ("Roamly") is a licensed general agent for affiliated and non-affiliated insurance companies. Roamly is licensed as an agency in all states in which products are offered. Roamly license numbers. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. Coverage under your insurance policy is subject to the terms and conditions of that policy and is ultimately the decision of the buyer.
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