How Much is Motorcycle Insurance & Do You Need It in Oregon?

How Much is Motorcycle Insurance in Oregon?

If you’re a first-time motorcycle buyer in the Portland area, you likely have a lot of questions about what you need to do before you can hit the road. In addition to getting your motorcycle license, you have to have motorcycle insurance in Oregon to ride legally. So, how much is motorcycle insurance going to cost, and what process do you need to follow to obtain it? Get the answers you need in this guide from the team at Timber Town Harley-Davidson!

Is Motorcycle Insurance Required?

According to Oregon state law, all motorcycle owners in Salem and the surrounding areas must obtain motorcycle liability insurance. This coverage will assist you in paying to treat injuries or replace damaged property.

How much motorcycle insurance covers in the event of a collision will vary depending on the type of damage incurred, but Oregon riders must—at a minimum—hold the following coverage:

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

Optional Motorcycle Insurance

Only liability motorcycle insurance is required by law, but you may elect to add other coverage types for more comprehensive protection. While liability insurance covers property damage and injuries to others when you are at fault, additional types of motorcycle insurance coverage can help you pay for:

  • Damage to your own motorcycle
  • Personal medical coverage
  • Uninsured/uninsured motorist coverage
  • Vandalism
  • Roadside assistance
  • Rental reimbursement

How Much Does Motorcycle Insurance Cost?

How much your motorcycle insurance costs will depend on several factors, including:

  • The type of motorcycle you ride
  • Where you live
  • Your age and gender
  • The brand, age, model, and mileage of your motorcycle
  • Your estimated yearly mileage
  • The type of recreational or professional riding you do
  • Your personal credit history

Generally, motorcycle owners in the Albany and Lebanon areas will end up paying an amount between $500 and $600 per year (or between $40 and $80 per month).

Get Help with Oregon Motorcycle Insurance Requirements from Timber Town Harley-Davidson

The team at Timber Town Harley-Davidson is here to help you choose the right level of coverage for your needs—without breaking your budget. Check out our bike-buying guides to learn more about motorcycle ownership, and don’t hesitate to reach out if you would like to speak directly with one of our financing experts about motorcycle insurance costs. Check out our new bike inventory and start your next adventure today!

Race Into Summer Open House

Harley-Davidson Open House

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Racing has been part of the Harley-Davidson experience since the very beginning. From the Hillclimbers to the flat trackers to today’s King of the Baggers™ led by our H-D® Factory Racing team. Join us to honor our roots with the Race Into Summer Open House on Saturday, June 22. Summer has arrived. It’s time to roll.

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H-D® Membership event Special***

  • Paid H-D® Members, earn up to 2,000 Bonus Points with a $100+ in-store purchase ($20 Value)
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Register For Your Chance To Win An All-New 2024 CVO™ Road Glide® ST**

Stop in to register for your chance to win** a 2024 CVO™ Road Glide® ST, a 2025 King of the Baggers VIP Race Experience and a Trip to Daytona for 2 OR 2 VIP Tickets to a King of the Baggers Race, plus other great prizes. Ask us how to earn additional entries.

Harley-Davidson® Event Pin

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Be one of the first 55 to RSVP AND attend our event for an exclusive racing pin. Just fill out the form below and show us your confirmation email when you arrive at our Race Into Summer Open House.

* While supplies last. Offer limited to the first 55 attendees.


* While supplies last.

** Sweepstakes entry period June 21, 2024, 9am EST through June 23, 2024, 11:59pm EST. No purchase necessary. Purchase does not increase odds of winning. Open only to legal residents of the continental United States, including D.C. and Alaska and excluding Hawaii who are 21 years or older, and legal residents of Canada, who have reached the age of majority in their state, province, or territory of residence at time of entry. Void where prohibited. Need not be present to win. See participating H-D® dealerships for details or visit official rules at

*** H-D® Members earn up to 2,000 bonus points ($20 value) on a purchase of $100+ between 6/21/24 9:00 am EST through 6/23/2024 11:59 pm EST participating Dealers only; H-D® Membership must be activated at the time of sale. Points apply to a single transaction for eligible purchases of $100+ before tax and after any sales discounts are applied. Promotion good for genuine H-D® and H-D® licensed products only. Usual point restrictions apply. Please allow up to 72 hours for points to appear in your account. Visit for details.