Motorcycle Insurance Elgin

Auto Insurance, Now in 34 states!

Oregon Motorcycle Insurance

Cruising around Oregon on a motorcycle may be the best way to take in this treasure of a State! Call us for coverage details that can save you big!

Auto Insurance, Now in 34 states!

Oregon Motorcycle Insurance

Cruising around Oregon on a motorcycle may be the best way to take in this treasure of a State. Call us for coverage details that can save you big!

Violations and How They Impact Your Oregon Motorcycle Insurance Rates

When you have any violation on your record, you can expect your auto insurance rates to be a little higher for your Oregon motorcycle insurance. Depending on what kind of violation you get, can depend on how long they can impact your rates for. Look at the list below to see the violations and how long they can affect you.

Violation NameMajor, Minor, or Non-MovingHow Long it Will Affect Your Insurance Rates
At Fault AccidentMajor5 Years
Running a Traffic Light or Stop SignMinor3 Years
Improper Lane useMinor3 Years
Failure to Use Turn SignalMinor3 Years
No Proof of insuranceNon MovingNA*
ParkingNon MovingNA*
Crossing over a Center DividerMinor3 Years
Reckless DrivingMajor5 Years
DUIMajor10 Years
Failure to Stop for a Pedestrian Side walkMinor3 Years
Non-At-Fault AccidentMinorNA*
Driving without a LicenseMajor3 Years
Oregon Motorcycle Insurance

If you have a motorcycle and love to ride on scenic roads, then Oregon is the perfect place to do that! Its known as one of the country’s BEST motorcycle roads because of its scenic diversity and the scenic alone.

And when they say scenic diversity, they mean it. You will experience the shores of the Pacific Ocean, ride through the Cascade mountains, and then the gorgeous Columbia River and end in the eastern part of the state which you will see the River Canyons!

Now as free as this sounds, all that beauty comes at a cost. And that is Oregon’s motorcycle insurance laws. Here are some of the laws…

oregon motorcycle insurance

Oregon’s Motorcycle Insurance Laws

oregon motorcycle insurance
  • The motorist will have to acquire liability insurance of 25/50/20
  • All motorists are required to wear a helmet by DOT
  • The owner is required to register the bike and display the license plate on the bike
  • All riders must have their license and proof of possession on them
  • And the owner of the bike must have a valid motorcycle endorsed or instruction permit

Oregon Motorcycle Insurance Equipment Laws

There are also some laws to take into consideration about the equipment that will make your motorcycle street legal. The insured motorist must have these things below…

  • A minimum at least of these items:
  • Minimum Liability Insurance Coverage
  • Red taillight with a stop lamp
  • Rear red reflector and one white light to make the license plate visible
  • A rearview mirror and one horn
  • One white headlight that is always kept on
  • Fenders one each of the wheels
  • At least one brake that is operated by hand or foot
  • A valid license plate that is mounted correctly on the back of the bike and must be able to read easily
  • Functional turn signals
  • And an exhaust system that works and constantly operating so that it prevents visible emissions and reduce noise levels.

Other than that, it will all be well worth enjoying your scenic ride on your bike covered with Oregon Motorcycle Insurance provided by A Plus Insurance!

Oregon Motorcycle Insurance Tips and Tricks

Riding a motorcycle in Oregon offers breathtaking views and exhilarating experiences, but it also requires riders to be prepared and protected with the right insurance coverage. Motorcycle insurance is not just a legal requirement in Oregon; it’s a crucial financial protection tool. Here are some tips for securing motorcycle insurance in Oregon:

Understand Oregon’s Insurance Requirements

  1. Minimum Coverage: Familiarize yourself with Oregon’s minimum insurance requirements for motorcycles. As of my last update, these typically include bodily injury and property damage liability coverage. However, the state’s requirements can change, so it’s important to verify the current standards.
  2. Personal Injury Protection (PIP): Oregon requires PIP for passenger vehicles, which covers medical expenses, lost wages, and other costs regardless of who is at fault in an accident. For motorcycles, this coverage might be optional or structured differently, so check the latest regulations.

Assess Your Needs Beyond the Minimum

  1. Comprehensive and Collision Coverage: Consider adding comprehensive and collision coverage to your policy. These cover the cost of repairing or replacing your motorcycle if it’s stolen or damaged in an incident, regardless of fault.
  2. Uninsured/Underinsured Motorist Coverage: This is particularly important given that some drivers on the road may not have sufficient insurance. This coverage protects you if you’re involved in an accident with a driver who lacks adequate insurance.

Shop Around and Compare Quotes

  1. Multiple Quotes: Get quotes from several insurance companies. Prices can vary significantly between providers for the same coverage.
  2. Discounts: Ask about discounts for which you may be eligible. Common discounts include those for completing a motorcycle safety course, having anti-theft devices installed, being a mature rider, or bundling multiple policies (like auto and motorcycle) with the same insurer.

Consider Your Motorcycle and Riding Habits

  1. Type of Motorcycle: The make, model, and age of your motorcycle can significantly affect your insurance rates. High-performance bikes generally cost more to insure than standard models.
  2. Usage: How you use your motorcycle—whether for daily commuting, weekend rides, or longer touring adventures—can impact your insurance needs and costs.

Enhance Your Safety and Security

  1. Safety Course: Completing a motorcycle safety course not only makes you a safer rider but can also lower your insurance premiums.
  2. Security Measures: Installing anti-theft devices or storing your motorcycle in a secure location can further reduce your insurance rates.

Review and Adjust Your Policy Regularly

  1. Annual Review: Your insurance needs can change over time. Review your policy annually to ensure it still meets your needs, especially if you’ve made modifications to your motorcycle, changed your riding habits, or experienced significant life changes.
  2. Deductibles vs. Premiums: Consider adjusting your deductibles. A higher deductible can lower your premium, but make sure it’s an amount you can afford to pay out of pocket in case of a claim.

Additional Protection

  1. Roadside Assistance: Some insurers offer motorcycle-specific roadside assistance, which can be invaluable if you experience a breakdown or other issues while on the road.

By considering these factors and tips, you can find a motorcycle insurance policy in Oregon that provides you with the right balance of coverage and cost, ensuring that you can enjoy your rides with peace of mind.

Additional Oregon Insurance
Oregon Homeowner’s Insurance
Auto Insurance in Oregon
Oregon SR22 Insurance
Auto Liability Insurance in Oregon
Cheap Oregon Car Insurance Rates
Oregon Motorcycle Insurance

Q1: What types of motorcycle insurance coverage are available in Oregon?

Motorcycle insurance in Oregon typically includes liability coverage, uninsured/underinsured motorist coverage, comprehensive coverage, and collision coverage. Our team at A Plus Insurance can help you customize a policy that suits your specific needs.

Q2: How can I get the best rates for motorcycle insurance in Oregon?

To secure the best rates for motorcycle insurance in Oregon, we recommend reaching out to A Plus Insurance. Our experts shop multiple carriers to find you the most competitive rates. For a personalized quote, call us at 1.888.445.2793.

Q3: Are there specific motorcycle insurance requirements in Oregon?

Yes, Oregon has specific motorcycle insurance requirements. Minimum liability coverage is mandatory. Our team can help you understand these requirements and ensure you have the necessary coverage. For more information, contact us at 1.888.445.2793.

Q4: Is motorcycle insurance required in Oregon?

Yes, motorcycle insurance is required in Oregon. The state mandates minimum liability coverage to ensure that riders can cover the costs of accidents they may be involved in. Operating a motorcycle without insurance can result in legal consequences, including fines and penalties. It’s important to maintain valid motorcycle insurance when riding in Oregon.


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Last Updated on by Marlon Moss

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