Oregon Law
Law as of Jan 1, 2026
Chapter contents
806.010Driving uninsured prohibited; penalty 806.011Proof of insurance; rules 806.012Failure to carry proof of compliance with financial responsibility requirements; rules; penalty 806.014[1993 c.814 §§5,7; renumbered 809.715 in 1995] 806.016[1993 c.814 §6; renumbered 809.716 in 1995] 806.020Exemptions from financial responsibility requirements 806.030[1983 c.338 §839; repealed by 2009 c.257 §11] 806.040Judgments for which financial responsibility requirements established 806.050Falsification of financial responsibility; penalty 806.055Giving false information about liability insurance to police officer; penalty 806.060Methods of compliance 806.070Minimum payment schedule 806.075Insurance requirements for person convicted of driving under influence of intoxicants 806.080Insurance 806.090[1983 c.338 §845; 1999 c.59 §238; repealed by 2003 c.175 §1] 806.100[1983 c.338 §846; 1985 c.16 §428; repealed by 2003 c.175 §1] 806.110[1983 c.338 §847; repealed by 1995 c.41 §9] 806.115[1995 c.41 §2; repealed by 2003 c.175 §1] 806.120[1983 c.338 §848; 1985 c.16 §429; repealed by 1995 c.41 §9] 806.130Self-insurance 806.140Certificate; issuance; cancellation 806.150Department verification program; rules 806.160[1983 c.338 §852; 1985 c.714 §3; 2001 c.104 §300; 2009 c.257 §2; repealed by 2019 c.312 §36] 806.170Department check on financial certification on accident reports 806.180Information to be provided when certification of compliance required 806.190Insurance carrier report of person involved in accident who is in violation of ORS 806.010; civil liability 806.195Information submitted by insurers; rules; use 806.200Failure to file after accident; penalty 806.210Exemption from requirement to file after accident 806.220[1983 c.338 §857; 1985 c.393 §64; 1985 c.714 §5; 2019 c.312 §4; repealed by 2025 c.415 §46] 806.230Failure of previous violator to file 806.240Proof of compliance with future responsibility filing requirement; filing for another; failure of proof to meet requirements 806.245Termination of future responsibility filing requirement; reasons 806.250[1983 c.338 §860; 1985 c.16 §432; 1985 c.714 §9; 1987 c.158 §167; 1987 c.258 §5; repealed by 2009 c.257 §11] 806.255[1987 c.258 §7; repealed by 2009 c.257 §11] 806.260[1983 c.338 §861; repealed by 2003 c.175 §1] 806.270Certificate of insurance; requirements; presumption of completeness 806.280When certificate of insurer not authorized to do business in this state may be used 806.290Automatic termination of insurance under future responsibility filing upon subsequent filing 806.300Failure to surrender license and registration on cancellation of future responsibility filing; penalty

Chapter 806 — Financial Responsibility Law

ORS 806.010 Driving uninsured prohibited; penalty

(1)

A person commits the offense of driving uninsured if the person operates a motor vehicle in this state on any highway or premises open to the public in this state without either:

(a)

The person being insured while driving the vehicle under a motor vehicle liability insurance policy that meets the requirements described under ORS 806.080; or

(b)

The person or the owner of the vehicle providing the Department of Transportation with other satisfactory proof of compliance with the financial responsibility requirements of this state.

(2)

Exemptions from this section are established under ORS 806.020.

(3)

In addition to other penalties under this section the following apply:

(a)

A person who is involved in a motor vehicle accident at any time the person is in violation of this section is subject to suspension of the person’s driving privileges under ORS 809.417.

(b)

A person who is convicted of violating this section is subject to ORS 806.230, if the person does not make future responsibility filings as required by that section.

(4)

A person convicted for violation of this section must file with the department, and thereafter maintain for a period of one year, proof of financial responsibility that complies with ORS 806.060. Failure to comply with this subsection is subject to ORS 809.415.

(5)

The offense described in this section, driving uninsured, is a Class B traffic violation.

Official sources · 2Tap to view provenance and version history

Online copy of the published ORS edition

Provenance

Version history

Earlier statutory text is available in an ingested published ORS edition.