Almost every state (except New Hampshire and Virginia) requires its licensed drivers to have a minimum amount of insurance coverage. The required insurance generally includes bodily injury liability coverage and property damage liability coverage in certain minimum amounts.

The cost of insurance is affected by many factors, including the driver’s driving record. A single speeding ticket can increase your insurance rates by as much as 25-30%, and more serious offenses such as DUI/DWI, street racing, or hit-and-run can increase the cost of your insurance by 75% or more.

A driver who has received a ticket or citation for a criminal offense or traffic violation with the potential to increase their insurance rates may want to consult with a lawyer who has relevant experience and expertise.

In Oregon, as in most states, drivers are required to carry a minimum amount of auto insurance. This typically includes bodily injury liability coverage, which covers costs associated with injuries to others for which the driver is responsible, and property damage liability coverage, which pays for damage to another person's property. The minimum required amounts in Oregon are $25,000 per person for bodily injury, $50,000 per crash for bodily injury to others, and $20,000 per crash for damage to others' property. Additionally, Oregon law requires personal injury protection (PIP) and uninsured motorist coverage. The cost of auto insurance in Oregon can be influenced by various factors, including the driver's record. Traffic violations such as speeding tickets can increase insurance premiums significantly, while more severe offenses like DUI/DWI can lead to even higher rate hikes. Drivers in Oregon who have received citations or have been involved in incidents that may affect their insurance rates should consider consulting with an attorney who specializes in traffic violations or insurance law to explore their options and potentially mitigate the impact on their insurance costs.