Oregon insurance laws
Insurance regulations, rate filing requirements, department info, and recent bulletins for Oregon. Updated Mar 31, 2026.
Department of Insurance
Oregon operates a comprehensive insurance regulatory framework under the Division of Financial Regulation (DFR). The state employs a mixed rate system with prior approval required for health insurance and workers compensation, while most property and casualty lines use file-and-use. Oregon has been particularly active in wildfire-related insurance regulation, mental health parity enforcement, and drug price transparency initiatives.
Auto Insurance
Notable Laws
- ORS 806.010 - Driving uninsured prohibited, Class B traffic violation with fines up to $1,000
- ORS 806.080 - Mandatory uninsured and underinsured motorist coverage (UM/UIM) at same limits as liability
- ORS 742.518 - Required $15,000 minimum Personal Injury Protection (PIP) coverage per person
- SB 840 (2025) - Reduced SR-22 filing period from 3 years to 1 year for driving uninsured convictions starting Jan 1, 2026
- Modified comparative negligence rule - injured party can recover if less than 51% at fault
Homeowners Insurance
Notable Laws
- SB 82 (2023) - Prohibits insurers from using state wildfire risk maps to cancel/deny coverage or increase premiums
- ORS 746.687 - 30-day nonrenewal notice required; 10-day cancellation notice for non-payment, 30 days for other reasons
- ORS 746.661 - Credit scoring allowed but cannot be sole basis for declining coverage; restrictions on use for cancellation
- SB 82 (2023) - Requires 24-month rebuild timeline for wildfire-damaged properties
- Bulletin 2024-7 - Insurers must file underwriting guidelines showing consideration of wildfire mitigation actions
Recent Bulletins
Withdrawal of Bulletin DFR 2024-3
Reinstates requirement for prescription drug manufacturers to file mandatory annual price increase reports following Ninth Circuit Court ruling
View bulletinAffordable Housing Commercial Property and Liability Insurance Export List — Oregon SB 829 (2025)
Establishes export list for affordable housing risks allowing surplus lines placement without diligent search of admitted market
View bulletinProviding relief and assistance to individuals affected by the federal government shutdown
Encourages insurers to provide 30-day grace periods, waive late fees, avoid cancellations, and extend claim deadlines for consumers affected by federal shutdown
View bulletinHealth benefit plan coverage of gender-affirming treatment under ORS 743A.325 and OAR 836-053-0441
Establishes WPATH-8 standards as minimum for gender-affirming treatment coverage, outlines network adequacy and training requirements
View bulletinRequirement of insurers to file underwriting guidelines
Reminds insurers to file underwriting guidelines; requires homeowners filings to address wildfire risk mitigation actions per SB 82
View bulletinRecent Law Changes
Vehicle Insurance and DMV Provisions Reform
Reduces SR-22 filing period from 3 years to 1 year for driving uninsured convictions; eliminates mandatory 1-year suspension for uninsured accidents; modifies proof of coverage requirements. Effective January 1, 2026.
Affordable Housing Insurance Export List
Authorizes surplus lines export list for affordable housing commercial property and liability insurance, allowing placement without diligent search of admitted market due to limited availability.
Health Insurance Rate Review Enhancement
Enhances Oregon's health insurance rate review process for individual and small group health benefit plans by requiring additional reporting and analysis from health insurers.
Network Adequacy Standards Expansion
Extends Oregon's network adequacy standards to large group health benefit plans and introduces clear rules for telemedicine provider networks to improve healthcare access.
Insurance Guaranty Association Coverage Increase
Increases maximum claim payment limit from $300,000 to $600,000 for Oregon Insurance Guaranty Association for insolvencies occurring on or after January 1, 2025.
Health Insurance
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