Oregon permit test: laws, points & insurance

Points systems, suspensions, insurance, registration and other legal duties. 4 questions.

Question 1 of 4
Laws, points & insuranceOregon rule

What is the minimum Oregon insurance coverage for damage to other people's property in one collision?

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Sample laws, points & insurance questions

  1. What is the minimum Oregon insurance coverage for damage to other people's property in one collision?

    • A $15,000
    • B $50,000
    • C $20,000
    • D $25,000
    Show answer

    C. $20,000

    Oregon's minimum liability coverage is $25,000 for one person, $50,000 for two or more people and $20,000 for damage to other people's property. Every driver must insure their vehicle to at least these amounts.

    Source: Oregon Driver Manual 2026-2027, page 101

  2. How much Personal Injury Protection (PIP) must an Oregon auto policy include?

    • A $10,000 per person
    • B $15,000 per person
    • C $20,000 per person
    • D $25,000 per person
    Show answer

    B. $15,000 per person

    Oregon requires Personal Injury Protection of $15,000 per person. It pays reasonable and necessary medical and other expenses within two years after the injury, no matter who caused the crash.

    Source: Oregon Driver Manual 2026-2027, page 101

  3. You want to tow both a boat and a utility trailer behind your pickup in Oregon. What does the law say?

    • A You may tow only one; a second trailer is not allowed
    • B You may tow both on highways but not in cities
    • C You may tow both with a special permit sticker
    • D You may tow both if the total weight is under 26,000 pounds
    Show answer

    A. You may tow only one; a second trailer is not allowed

    Oregon allows a passenger or recreational vehicle to tow a maximum of one boat, utility trailer or other vehicle. You cannot add a second trailer or towed vehicle, whatever the road or the weight.

    Source: Oregon Driver Manual 2026-2027, page 44

  4. Which of these can cause you to lose your Oregon driving privileges?

    • A Using your headlights during daytime driving
    • B Renewing your license early
    • C Changing your address online
    • D Failing to report a vehicle collision
    Show answer

    D. Failing to report a vehicle collision

    Oregon can take away your driving privileges for DUII, failing to report a collision, driving uninsured, too many traffic convictions or not complying with court fines. Keeping a clean record protects your license.

    Source: Oregon Driver Manual 2026-2027, page 103