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Auto insurance

The Oregon Division of Financial Regulation has issued orders, and guidance for auto insurance issues related to COVID-19. This page provides frequently asked questions about auto insurance.

Information on the COVID-19 webpages changes frequently and is updated regularly. Check back often for the most up-to-date information.

If you have questions about your specific insurance coverage or financial services account, contact the company that handles your policy or account.

If you have questions or need to file a complaint on an insurance company or agent, contact the division’s advocacy team at 888-877-4894 (toll-free) or email dfr.insurancehelp@oregon.gov.

​Several auto insurance companies have been working with the Oregon Division of Financial Regulation to provide auto insurance premium refunds and credits to Oregonians.

The refunds and credits are due to the reduced risk of auto accidents because of the Stay Home, Save Lives emergency order. The division has provided guidance to insurance carriers for issuing the refunds to help process filings and get money to consumers as quickly as possible.

See the list of the insurance companies that have committed to provide refunds and credits to Oregon customers.

Contact your insurance company for more information about a potential refund of your auto insurance premium.​​​​​​​


If you need to use your personal automobile to deliver food, prescriptions, and other goods during the COVID-19 outbreak, contact your insurance company to discuss your current situation. The division is calling on all auto insurance companies to extend coverage for personal delivery drivers, and limit commercial delivery exclusions during the COVID-19 outbreak.

This guidance is intended to affect drivers who do not have coverage for deliveries through their personal policies. It is not intended to affect drivers working for transportation network companies.​​​


Driver and Motor Vehicles (DMV) issued a bulletin to reduce the need to visit a DMV office during the outbreak. Oregon law enforcement agencies have agreed to exercise discretion enforcing expired documents during the outbreak.

In the same manner, the division expects insurance companies to refrain from using expired licenses and registrations to:

  • Change a driver’s eligibility for an insurance discount
  • Decrease a driver’s ability to secure or maintain auto insurance coverage
  • Change the rates charged to any driver or business