SR-22 Insurance in Oregon: What Is It? How Much Does It Cost?

SR-22 Insurance in Oregon: What Is It? How Much Does It Cost?

Find Cheap SR-22 Auto Insurance Quotes in Oregon

Currently insured?

If you've had your license revoked in Oregon because of a serious violation such as a DUI or hit-and-run, then you may need to sign up for SR-22 insurance coverage. An SR-22 certificate, also called an SR-22 form, proves the person's insurance policy complies with Oregon's minimum liability car insurance requirements. Insurance companies will file the SR-22 form on your behalf, usually charging a fee of $50 or less to complete the filing.

The cost of SR-22 insurance in Oregon is generally more expensive than standard car insurance policies, as insurers know SR-22 filers have prior driving violations and are therefore higher risks to insure.

Which companies offer the cheapest SR-22 insurance quotes in Oregon?

The cost of SR-22 insurance is generally more expensive than standard car insurance policies without SR-22 coverage.

Every insurer will offer a different rate when you file for SR-22 insurance. In Oregon, State Farm and Progressive generally offer the cheapest annual rates for a 30-year-old, while Nationwide offers the most expensive rates of almost $3,000.

This graph ranks SR-22 insurance quotes for 30-year-olds across varying insurers.

Find Cheap SR-22 Auto Insurance Quotes in Oregon

Currently insured?
Cost per year w/ SR-22 and DUI
State Farm logo
State Farm$753
Progressive logo
Country Financial logo
Country Financial$1,184
USAA logo
Allstate logo
Show All Rows

*USAA is only available to current and former military members and their families.

  • The only explicit cost associated with SR-22 insurance is when your insurance company files the form on your behalf. This fee is usually between $15 and $50.
  • However, SR-22 insurance policies are still typically more expensive than normal auto insurance coverage, particularly if the SR-22 certificate is required due to previous driving violations such as a DUI or repeat traffic offenses. Insurers view such violations as an increased risk to insure.

The average cost of car insurance in Oregon is $1,136 annually, or $95 per month, for a minimum-coverage policy. Just a single DUI, however, can increase car insurance premiums from 30%–50%, depending on your exact location and insurance provider. If, for example, a typical annual premium is $1,300 in Portland, applying for an SR-22 certificate due to a DUI could increase the cost of car insurance to as much as $1,950 per year.

To find cheap rates for SR-22 insurance in Oregon, we recommend shopping around for quotes from multiple insurers. Insurance companies have different ways to assess risk and charge various prices accordingly, so searching for multiple quotes is often one of the best strategies to find cheap SR-22 insurance.

We also recommend you ask your insurer about potential discounts, as drivers are often eligible for cost reductions based on their vehicle type, driving record, participation in a defensive driving course, being a good student and much more.

What is an SR-22 insurance certificate in Oregon, and when is it required?

An SR-22 form proves the driver has an auto insurance policy that meets the minimum coverage requirements in Oregon.

Oregon's liability auto insurance requirements are:

  • $25,000 bodily injury coverage per person injured in an accident
  • $50,000 bodily injury coverage per accident
  • $20,000 property damage coverage

While SR-22 filings in most other states only require liability insurance, Oregon also requires that SR-22 drivers carry:

  • $15,000 personal injury protection (PIP)
  • $25,000 uninsured motorist bodily injury coverage per person
  • $50,000 uninsured motorist bodily injury coverage per accident

When are you required to obtain an SR-22 in Oregon?

  • You're convicted for driving without insurance or a DUI.
  • You're found to be the owner of an uninsured vehicle at the time of an accident.
  • You've failed to pay legal damages after an accident.
  • You've applied for a hardship or probationary permit, which may be needed following a license suspension.
  • You need to reinstate driving privileges following a license revocation.
  • You need to comply with a judge's order of mandatory insurance supervision.

Additionally, some drivers may need a non-owner car insurance policy, which covers drivers for automobiles they do not own. Non-owner auto insurance policies usually cost less than other SR-22 policies while still meeting the necessary legal requirements.

Even if you don’t own a car, you still must file for a non-owner SR-22 if you want to drive in Oregon.

How do I get an SR-22 certificate in Oregon?

To get SR-22 insurance coverage in Oregon, you will need to work with a car insurance company licensed to do business in the state.

Find an eligible insurer or contact your current carrier. Only some insurers provide insurance to drivers who need SR-22 coverage, so ask your current provider if it can file the form on your behalf. If it won't, then you'll need to find a new insurer.
Pay the appropriate SR-22 fee. When your SR-22 form is filed, the authorized insurer will likely charge a flat fee between $15 and $50.
Have an insurer file proof of insurance on your behalf. The insurer will file the SR-22 form directly with the Oregon DMV.
insurance policy
Receive confirmation. Upon processing the SR-22 form, both the Oregon DMV and your insurer should send you a letter confirming you have insurance coverage and you can legally drive again.

When driving in Oregon, you also need to maintain your SR-22 if you have one from a different state. If the state of Oregon requires you to have SR-22 insurance coverage and you move out of state, you must still file an SR-22 with Oregon prior to obtaining a driver's license from another state.

How long is SR-22 insurance coverage required in Oregon, and how do I know when it expires?

In Oregon, drivers are typically required to hold SR-22 insurance for three years, although the time frame can be extended if you commit driving violations during that period. Insurance companies will notify the Oregon DMV if you cancel or do not renew your SR-22 policy.

Letting SR-22 coverage lapse can result in loss of driving privileges, reinstatement fees and increased cost of car insurance.

To avoid any lapses in coverage, we recommend renewing your policy early — usually 30 days in advance — during the three years you're required to carry SR-22 insurance. Once you've carried SR-22 coverage for more than three years or the required carrying period, contact the Oregon Department of Transportation to verify that your requirement is complete.

If you're wondering when your SR-22 is up, you can always contact the Oregon DMV to confirm the date of completion and your SR-22 case number. After the Oregon DMV confirms you've completed your SR-22 requirement, contact your insurance provider to inform them that an SR-22 filing is no longer required.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.