Portland Motorcycle Insurance

Motorcycle Insurance Coverage Requirements in Portland

• Minimum Liability Limits in Portland, OR: 25/50/20 ^[2]
• • 25  Required coverage up to $25,000 for one individual injured in an accident
  • 50  Required coverage up to $50,000 for all persons injured in an accident
  • 20  Required coverage up to $20,000 for property damage in an accident

• Insurer Verification of Insurance in Portland ^[2]
• • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
  • Insurer must verify randomly selected insurance policies upon request.

Portland Motorcycle Insurance Liability Requirements

Mandatory motorcycle insurance coverage for riders in the state of Portland, OR.

• Motorcycle Insurance Requirements in Portland ^[2]
• • Bodily injury liability coverage
  • Property damage liability coverage
  • Uninsured motorist coverage
  • Underinsured motorist coverage
  • Personal injury protection coverage
  • Note: Underinsured motorist coverage is mandatory when uninsured motorist liability limit is greater than the required financial responsibility.

Motorcycle Helmet Laws in Portland

• • Motorcycle helmets required for all riders. ^[3]

Motorcycle License Regulations in Portland, OR ^[3]

Detailed information about Portland laws and regulations regarding obtaining and maintaining a motorcycle license in the state.

• Motorcycle License Laws in Portland
• • A motorcycle endorsement may be issued to the holder of a valid license provided any tests and demonstrations are successfully completed.
  • Completion of an approved motorcycle rider education course is required to obtain an unrestricted motorcycle endorsement. Courses for 3-wheel motorcycles are not available, and persons wishing to operate only 3-wheel motorcycles must pass a drive test at DMV to obtain an endorsement limited to 3-wheel motorcycle operation.
  • A motorcycle instruction permit may be issued only to persons who are at least 16 years old and is valid for 1 year. The holder of a motorcycle instruction permit may only operate a motorcycle during daylight hours, must be accompanied by a motorcycle-endorsed rider on a separate motorcycle who is at least 21 years of age, may not carry any passengers, and must wear an approved helmet.

Motorcycle Equipment Laws in Portland, OR ^[3]

Various regulations and laws in Portland regarding riders and passengers of motorcycles, as well as the equipment used on bikes.

• Motorcycle Equipment Laws in Portland
• • The operator of a motorcycle, and all passengers on a motorcycle, must wear an approved safety helmet.
  • Eye protection is not required for riders in Oregon.
  • It is unlawful to carry a passenger on a motorcycle unless the motorcycle is equipped with footrests for the passenger, and the passenger is seated on a permanent and regular seat.
  • Motorcycles and mopeds must be equipped with at least 1 and no more than 3 headlights, 1 tail light, 1 brake light, a registration plate light, turn signal lights, and rear reflectors.
  • At all times that a motorcycle is operated on a highway, it must display a lighted headlight(s).