Oregon Golf Cart Insurance (2026)

Oregon requires liability insurance for all motor vehicles operated on public roads, including golf carts registered as low-speed vehicles (LSVs). The state minimum liability coverage is 25/50/20. Oregon also requires PIP (Personal Injury Protection) coverage on all auto policies, though PIP in Oregon provides more limited coverage than in some other PIP states.

Golf cart and LSV use in Oregon is somewhat limited, with use concentrated in certain planned communities, resort areas, and some coastal towns. Oregon's rainy climate in the western part of the state limits outdoor golf cart use for much of the year, while the drier eastern Oregon climate is more conducive to cart usage. Some communities in central Oregon, such as Sunriver and Black Butte Ranch, have embraced golf cart transportation.

Oregon's insurance market is moderate in cost, with rates generally near the national average. Oregon Mutual is a notable regional carrier, and the state has good representation from national carriers. The mandatory PIP adds a small amount to the base cost of coverage.

• PIP Required: Oregon requires Personal Injury Protection on all auto policies, though the coverage amounts are more limited than in some PIP states.
• Rainy Climate: Western Oregon's rainy climate limits year-round golf cart use; eastern Oregon and resort communities are more favorable.
• Sunriver and Resort Communities: Central Oregon resort communities like Sunriver and Black Butte Ranch have established golf cart cultures.
• Oregon Mutual: A regional carrier based in Oregon with competitive rates for specialty vehicles.
• Uninsured Motorist Required: Oregon requires uninsured motorist coverage on all auto policies.