SR-22 insurance in Oregon isn’t a type of insurance but rather a certificate of financial responsibility that some drivers must file. It’s often required for individuals who have been convicted of certain driving-related offenses, such as DUI, driving without insurance, reckless driving or multiple traffic offenses.
The SR-22 form is filed by your insurance company with the Oregon Department of Motor Vehicles (DMV) to prove that you have the state-required minimum liability coverage. This form verifies that you have the necessary insurance coverage in place. If your driving privileges were suspended or revoked and you must carry an SR-22, you must maintain continuous coverage for the period specified by the court or DMV.
In this guide, you’ll find what SR-22 insurance covers in Oregon and how it affects your annual premiums should you need one.
Who needs an SR-22 in Oregon?
In Oregon, if your driver’s license gets suspended or revoked because of certain violations, you might need SR-22. It is a form that proves you have car insurance.
Here are some reasons why a driver might need an SR-22:
- DUI or DWI (driving under the influence or driving while intoxicated) conviction
- Reckless driving
- Driving without insurance
- Multiple traffic offenses within a short period
- If you’re involved in an accident and don’t have car insurance, the DMV may suspend your license and require you to file an SR-22
- Nonpayment of fines or penalties if you’re sued after an accident
In Oregon, an SR-22 is generally needed for 3 years, but this duration can differ based on the specific violation. Throughout this period, it’s crucial to maintain at least the minimum car insurance required by Oregon law.
Learn more about how to find out if you still need an SR-22
How do I get an SR-22 in Oregon?
Getting insurance in Oregon involves purchasing a car insurance policy and having the insurance company file an SR-22 form with the Department of Motor Vehicles (DMV)on your behalf.
Getting the right auto insurance:
- Contact your current insurance company: Many insurance companies file SR-22 forms, but keep in mind that your rates will go up.
- Comparison shopping: It’s a good idea to compare rates from other insurance companies. Tell them you need an SR-22 so they give you accurate quotes.
- Meet state minimum car insurance requirements: You’ll need to purchase minimum liability coverage with limits of 25/50/20.
Filing the SR-22:
- Inform your insurer about your SR-22 requirement. They’ll handle the paperwork and submit the form to the DMV.
- Pay any associated fees. Expect an SR-22 filing fee from your insurance company on top of the increased premium for your high-risk status.
- Maintain continuous insurance. A lapse in coverage may result in the DMV suspending your license again.
Remember, an SR-22 requirement could lead to higher premiums based on your driving history. It’s important to shop around for quotes and practice safe driving to help lower the elevated rates.
Discover your options for getting SR-22 insurance without a valid license
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How much is SR-22 insurance in Oregon?
The average cost of car insurance in Oregon is $1,932 per year for full coverage with an SR-22, which is $161 lower than the national average of $2,093 a year. However, if you have a DUI on your record, the average annual premium in Oregon jumps to $3,088 for full coverage.
In addition to the increased premium, most insurance companies also charge a small fee for filing the SR-22 form. If you’re facing a license suspension, getting an auto insurance policy along with an SR-22 form is typically the only way to reinstate your license.
How much is SR-22 insurance per month in Oregon?
Oregon drivers with a DUI can expect to pay an average of $257 a month for full coverage insurance with an SR-22.
Not all insurance companies offer car insurance for high-risk drivers, so you might need to shop around to secure coverage. When you do find an insurer, expect to pay higher premiums.
However, by driving responsibly and avoiding speeding tickets, DUIs and other infractions, you can gradually improve your driving record and secure lower insurance rates in the future.
Affordable SR-22 insurance companies by state
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Nationwide provides the most affordable SR-22 car insurance for drivers in Oregon, with an average annual premium of $1,485 . State Farm and Progressive also offer competitive SR-22 insurance rates in Oregon, according to CarInsurance.com data.
After a DUI or other traffic violation in Oregon, getting SR-22 insurance is a requirement. While the SR-22 form doesn’t impact insurance costs, the violations that necessitate it typically result in higher premiums. However, high-risk drivers can still find affordable auto insurance rates in Oregon.
| Company | Full coverage rates without SR-22 | Full coverage rates after filling SR-22 |
|---|---|---|
| Nationwide | 1,411 | 1,483 |
| State Farm | 1,502 | 1,851 |
| Progressive | 1,765 | 2,065 |
| Farmers | 2,210 | 3,023 |
| Allstate | 2,945 | 3,284 |
| USAA* | 1,277 | 1,316 |
Find out which providers offer the cheapest SR-22 car insurance
How long do I need SR-22 insurance in Oregon?
You will need an SR-22 in Oregon for a period of 3 years. This document proves to the Oregon DMV that you are maintaining state-mandated coverage.
SR-22 insurance varies by state and the reason you need it. Usually, it’s required for three years but in some cases, it might be longer. For example, if someone has repeat violations, the requirement could extend out to five years, says Dr. James Brau, Joel C. Peterson professor of finance at Brigham Young University.
What happens if I cancel my insurance?
If you discontinue your SR-22 insurance in Oregon before the mandated period ends, you could face severe consequences.
- Driver’s license suspension: If your SR-22 policy is canceled, your insurance provider will notify the state. This typically leads to a suspension of your driver’s license since insurance coverage must be maintained for the mandated period.
- Fines and penalties: In some states, you might face additional fines or penalties for not complying with the SR-22 requirement.
- Extended probationary period: If your SR-22 is part of a probation period for a driving offense, canceling it might restart your probationary period.
- Increased insurance costs: A lapse in coverage and violations on your driving record resulting from SR-22 policy cancellation can lead to significantly higher insurance premiums in the future.
It’s important to fulfill the SR-22 requirements for the specified duration without any lapses or cancellations to avoid legal repercussions and maintain driving privileges.
How to get an SR-22 removed in Oregon
The most common way to get your SR-22 removed is to wait until the required filing period is over. In Oregon, the standard SR-22 filing period is 3 years from its filing date.
Brau explains that you should maintain continuous insurance coverage without any lapses. If you cancel your policy or let it expire, the SR-22 will no longer be valid. Wait out the required period. During this time, drive responsibly and maintain your insurance coverage.
“Check with your state’s DMV and confirm the exact duration and any additional requirements for removal. Some states may require you to submit a formal request or provide proof of good driving behavior,” he says.
“Once the required period has passed, ask your insurer to file an SR-26 form with the DMV. This form notifies them that you no longer need an SR-22. After your insurer submits the SR-26, check with the DMV to ensure the SR-22 is officially removed from your record.”
How does an SR-22 affect car insurance rates in Oregon?
The requirement of an SR-22 certificate can increase your car insurance premiums significantly. Most insurance companies consider drivers with SR-22 high risk, resulting in premium hikes.
Your specific increase in rates will vary based on various factors, including your driving record and the reason for the SR-22.
Don’t settle for the first offer. Compare quotes from multiple insurers to get the best deal on car insurance with an SR-22. If you stay violation-free and comply with the SR-22 requirements, your rates could go down over time.
Select your age, gender and type of violation to see average annual SR-22 insurance rates by company.
Note: These rates are for a full coverage policy with limits of 100/300/100 with a $500 deductible.
Non-owner SR-22 insurance for Oregon drivers
If you don’t have a car but require an SR-22 in Oregon, non-owner SR-22 insurance can help you reinstate your driving privileges and meet the SR-22 requirements.
Non-owner car insurance provides liability coverage when you don’t own a vehicle. This type of policy allows the insurance company to issue the SR-22 form to the DMV on your behalf. Not all insurance companies offer non-owner car insurance or file SR-22 forms, so shop around in Oregon for a company that can provide the coverage you need.
Frequently asked questions: SR-22 insurance in Oregon
How do I check my SR-22 status online in Oregon?
You can easily check your SR22 status by visiting the official website of the Oregon DMV and using their online services. Alternatively, you can contact the Oregon DMV by phone to inquire about your SR-22 status, and they can provide you with the required information.
Do I need an SR-1P or SR-22 in Oregon?
Both the SR-22 and SR-1P are forms your insurance company submits to the Oregon DMV, ensuring you meet the mandated liability coverage. For motorcycle riders, mopeds, and scooter users, the SR-1P is the relevant form. If you’ve been caught riding your two-wheeler without insurance or have had your license suspended, you’ll require an SR-1P.
What happens to your SR-22 insurance in Oregon if you move?
An SR-22 requirement stays even when you move to a new state. Find a new insurance company licensed in your current state to file a new SR-22. They must submit the form with both the Oregon DMV and your new state’s DMV to transfer the requirement. Maintain continuous coverage until the new SR-22 is in effect.
SR-22 requirements can vary from state to state, so it’s essential to consult with your new insurance company and the Department of Motor Vehicles (DMV) in your new state to determine the necessary steps.
Does Geico offer SR-22 in Oregon?
Geico provides SR-22 in Oregon, ensuring you meet the state’s insurance requirements and offer adequate coverage required by the state.
Resources & Methodology
Sources
SR-22 Adviser. “SR-22 Requirements by State.” Accessed November 2024.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get SR-22 car insurance rates in Oregon. The rates are based on the sample profile of a 40-year-old driver with a clean driving record and good insurance score. We have compared 50,73,544 from 138 national and regional car insurance companies across 548 cities and 1,468 ZIP codes to evaluate the premiums.
Note: USAA is only available to military community members and their families.
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