--- title: Portland Auto Insurance description: Chamberlain Insurance Agency has unique solutions for your specific car insurance needs, offering complete insurance packages with specialized coverage. --- # Auto Insurance ## from Chamberlain Insurance * * * ## Auto Insurance If you want to register and operate a vehicle in Oregon, you must carry at least the [minimum auto insurance mandated by the state](https://www.oregon.gov/odot/dmv/pages/driverid/insurance.aspx). Oregon has some of the most stringent requirements for liability coverage, but this actually protects both you and other motorists on the road. If you are purchasing auto insurance, you must have this coverage, at minimum: **Bodily injury and property damage liability** - $25,000 per person - $50,000 per crash for bodily injury to others - $20,000 per crash for damage to others’ property **Personal injury protection** - $15,000 per person **Uninsured motorist** - $25,000 per person - $50,000 per crash for bodily injury You may elect to carry more liability insurance than the minimum the state requires, however. We often recommend this for our clients in Portland, Beaverton, and Gresham, especially if they have new or young drivers in the house or if they are high-net-worth individuals. **Additional Coverage Offers Better Protection of Your Vehicle** Keep in mind that liability coverage protects you and other drivers for things like medical bills and damaged property after an accident. However, it does not cover your vehicle if you are at fault in an accident. That’s why we encourage most drivers to purchase additional **collision coverage**. If you rely on your vehicle to get to work, school, errands, or family activities, you will appreciate this protection. It covers repairs to your vehicle, so you can resume your normal life more quickly after an accident without having to pay thousands out of your own pocket. To complete full coverage of your car or truck, which may be required if you finance your vehicle, we also recommend **comprehensive insurance**. This covers your vehicle in the event of theft, vandalism, and damage or loss due to fire and most natural disasters. **Our Independent Agents Can Tailor an Auto Insurance Policy Just for You** Everyone’s needs are different when it comes to auto insurance. We think you’ll find working with our independent agents at Chamberlain Insurance Agency more helpful than going to those big-name insurance companies. We have many more insurance products available to us, and we’re better able to customize an auto policy to you, with personalized service that’s tough to find these days. Call us at 503-256-1448 to get started on a policy right away, or reach out online for more information or a fast quote. Don’t risk going without the coverage you need in Oregon. Get in touch today. * * * ## Insurance Quotes Give us some info and we'll help you find the best coverage options. [Request a Quote](https://www.cognitoforms.com/RevBox1/ChamberlainPersonalCientFormsBundle) ## Insurance Partners [Acuity — Allstate — Branch — Builders & Tradesmens — CNA Surety — Foremost Insurance — GEICO — Hippo — Liberty Mutual Business — Liberty Mutual Personal — Markel — National General Insurance — Openly — Progressive — RLI — Stillwater Insurance Group — Travelers](/insurance-companies) ## Frequently Asked Questions About Oregon Car Insurance What is the difference between actual cash value and replacement cost? **Actual cash value** generally reflects a vehicle’s value at the time of loss, considering factors like age and depreciation. **Replacement cost** refers to the amount needed to replace an item with a similar one. What is a policy endorsement in auto insurance? A policy endorsement is a modification that changes or adds to the terms of an insurance policy. It can be used to adjust coverage, limits, or conditions. Endorsements become part of the policy once issued and may affect how coverage applies. What are auto insurance coverage limits? Coverage limits are the maximum amounts defined in a policy for different types of claims. These limits can apply per person, per accident, or per type of loss. Selecting appropriate limits is an important part of structuring a policy. What is uninsured and underinsured motorist coverage? Uninsured and underinsured motorist coverage is intended to provide protection when another driver has no insurance or not enough coverage. It is typically subject to your policy’s limits and terms, and availability or requirements can vary. What is gap insurance? Gap insurance can help cover the difference between a vehicle’s value and the remaining balance on a loan or lease. It is commonly associated with financed or leased vehicles. Availability and terms vary by policy. ## Start Your Auto Insurance Quote Chamberlain Insurance strives to offer you quality insurance coverage, a high level of professional service and a long-term relationship. As independent insurance agents in Portland, we’ll research rates and coverage from top insurance companies to find the best insurance rates and insurance plans for you. We do the insurance shopping and comparing for you to save you time and money on your auto insurance. * * * ### Want to talk to an agent first? **Call us - we love talking about insurance!** [Contact Our Office](/contact) [Staff Directory](/staff-directory) (A form appears here on the HTML version of this page.) ## From Our Blog [View More Articles](/blog) [**How to Protect Your Home During a Power Outage** — Power outages can happen with little or no warning and may last anywhere from a few minutes to several hours or longer. While most outages are temporary inconveniences, they can also create risks for appliances, electronics, food, plumbing, and other parts of your home. — A little preparation can… — Aug 4](/blog/2026/how-to-protect-your-home-during-a-power-outage) [**How Smart Home Technology Can Help Detect Problems Early** — Smart home technology is often associated with security cameras and smart locks, but many of today's most useful devices are designed to help homeowners identify potential problems before they become major repairs. — From water leaks to temperature fluctuations, smart home tools can provide early… — Jul 7](/blog/2026/how-smart-home-technology-can-help-detect-problems-early) [**Factors That Impact Your Car’s Resale Value** — A vehicle is one of the larger purchases most people make, and its value changes over time. While some depreciation is expected, certain factors can influence how much your car is worth when it comes time to sell or trade it in. — Understanding what affects resale value can help you make informed… — Apr 6](/blog/2026/factors-that-impact-your-car-s-resale-value) ```json {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What is the difference between actual cash value and replacement cost?","acceptedAnswer":{"@type":"Answer","text":"Actual cash value generally reflects a vehicle’s value at the time of loss, considering factors like age and depreciation. Replacement cost refers to the amount needed to replace an item with a similar one."}},{"@type":"Question","name":"What is a policy endorsement in auto insurance?","acceptedAnswer":{"@type":"Answer","text":"A policy endorsement is a modification that changes or adds to the terms of an insurance policy. 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