SR-22 Insurance in Oregon: Cost, Requirements, and Cheapest Companies
On average, the monthly rate for SR-22 insurance in Oregon is $109 for liability-only coverage and $187 for full coverage.
Secure. Free. Easy-to-use.
4.7 / 518K reviews
)
Writer: Lindsay VanSomerenInsurance and Personal Finance Writer
Writer: Lindsay VanSomerenInsurance and Personal Finance Writer
Qualifications:
8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
)
Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
)
Reviewer: David MarlettAdvisor
Reviewer: David MarlettAdvisor
Qualifications:
25 years teaching risk management and insurance course
Former commercial lines underwriter
David is the managing director of the Brantley Risk and Insurance Center. He has been quoted by The New York Times and CNN.
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Quick Facts
An SR-22 certificate, also called a certificate of financial responsibility, proves you have active auto insurance coverage that meets Oregon’s minimum requirements.
Drivers with an SR-22 certificate in Oregon pay an average of $149 per month for car insurance.
Oregon car insurance law requires an SR-22 for drivers who commit certain traffic offenses, such as driving without insurance or driving under the influence of intoxicants (DUII).
SR-22 requirements in Oregon
An SR-22 certificate proves you have liability coverage that meets Oregon’s minimum auto insurance requirements. You must ask an Oregon car insurance company to issue an SR-22 with Driver & Motor Vehicles Services (DMV) if state law requires you to have one on file.[1]
Oregon drivers must carry $20,000 in property damage liability coverage, $15,000 in personal injury protection, and at least $25,000 per person and $50,000 per accident in uninsured motorist coverage.[2]
Auto policies must also have at least $25,000 per person and $50,000 per accident in bodily injury liability coverage. But after a DUII conviction, you’ll need higher bodily injury limits of at least $50,000 per person and $100,000 per accident.[3]
Oregon SR-22 filing fees vary by insurance company, but the one-time fee generally ranges from $15 to $50.
In most cases, you’ll need to keep an SR-22 form on file for up to three years. If your coverage lapses, the state can suspend your driver’s license, you may have to pay a reinstatement fee, and the three-year SR-22 period might restart.
SR-22 Insurance | Oregon Requirement |
|---|---|
| Minimum bodily injury liability limit | $25,000 per person/$50,000 per accident |
| Minimum bodily injury liability limit (after DUII conviction) | $50,000 per person/$100,000 per accident |
| Minimum property damage liability limit | $20,000 |
| Minimum personal injury protection limit | $15,000 |
| Minimum uninsured motorist coverage | $25,000 per person/$50,000 per accident |
| Minimum filing period | 1 year for driving uninsured; 3 years for most other offenses |
| Filing fee | $15–$50 |
| License reinstatement fee | $85 |
Find Cheap Car Insurance in Oregon
Liability policies average $109/mo. for drivers with an SR-22
Excellent
4.7 out of 5 based on 17,883 reviews
Secure. Free. Easy-to-use.
How much is SR-22 insurance in Oregon?
SR-22 insurance in Oregon costs an average of $109 per month for liability-only coverage and $187 per month for full coverage, according to Insurify data. Car insurance premiums are higher for Oregon drivers who need an SR-22. For example, drivers with a clean record pay lower monthly averages of $91 for liability coverage and $156 for full coverage.
Oregon car insurance law typically requires an SR-22 after a violation that affects your driving record, like an uninsured car accident or a DUII. These violations increase your premium because research shows that drivers with previous incidents on record are at a higher risk of future claims than drivers with a clean record.[4]
The exact rate increase depends on the type and severity of the violation. Other factors can also affect your rate, like your location and the vehicle you drive. Some auto insurance companies are more lenient with premium increases after a violation than others, so it’s a good idea to compare quotes if you need SR-22 insurance.
Driver Profile | Average Monthly Cost: Liability Only | Average Monthly Cost: Full Coverage |
|---|---|---|
| Clean record | $91 | $156 |
| With SR-22 | $109 | $187 |
Disclaimer: Table data is based on real-time Oregon quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Cheapest companies for SR-22 insurance in Oregon
State Farm has the cheapest SR-22 insurance in Oregon, with liability policies averaging $66 per month, according to Insurify data.
The following table shows the average rates for the cheapest SR-22 insurance in Oregon.
The below rates in Oregon are estimated rates current as of: Wednesday, October 21 at 7:44 AM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $66 | $107 |
| USAA | $79 | $126 |
| Mile Auto | $80 | $104 |
| Sun Coast | $80 | $215 |
| Progressive | $86 | $160 |
| GEICO | $88 | $137 |
| National General | $90 | $172 |
| Country Financial | $98 | $158 |
| The General | $98 | $246 |
| Bristol West | $102 | $185 |
| Safeco | $106 | $148 |
| Allstate | $110 | $202 |
| American Family | $112 | $180 |
| Dairyland | $114 | $250 |
| Root | $116 | $178 |
| Direct Auto | $122 | $232 |
| Farmers | $154 | $246 |
| Liberty Mutual | $160 | $218 |
| Travelers | $188 | $304 |
Disclaimer: Table data sourced from real-time Oregon car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Oregon may vary based on the policy buyer's unique driver profile.
When do you need SR-22 insurance in Oregon?
Oregon law requires you to have an SR-22 certificate on file with the DMV if:
You were in a car accident while driving without insurance.
You own a vehicle that crashed while the driver was uninsured.
The state convicted you of a serious traffic violation, such as driving uninsured or DUII.
You’re applying for a hardship permit that allows you to drive under specific circumstances during a license suspension or revocation.
A court requires you to file an SR-22 for another reason.
You may also need an SR-22 even if you don’t own a vehicle or no longer live in Oregon. If you fail to file or maintain an SR-22 certificate, the DMV can suspend your driver’s license. Failing to meet SR-22 requirements in Oregon can prevent you from getting a driver’s license in another state if you’ve relocated since your offense.
How to get SR-22 insurance in Oregon
Follow these steps to get SR-22 insurance in Oregon:
Compare SR-22 insurance quotes. Compare quotes from Oregon car insurance companies that offer policies to drivers who need an SR-22. Check with the Oregon Division of Financial Regulation to ensure the company you choose has a license to do business in Oregon.
Buy a policy that meets state-minimum requirements. Purchase car insurance coverage that meets Oregon’s minimum liability requirements. If you have a DUII conviction, make sure to buy the higher bodily injury liability limits the law requires.
Ask your insurer to file an SR-22 certificate on your behalf. Pay the required filing fee, and ask your insurance company to submit an SR-22 to the Oregon DMV. Your insurer must file your SR-22 with the DMV within 30 days of issuing the certificate. To prevent a license suspension, make sure your insurer submits the form by 5 p.m. on the last business day before the suspension start date.
Maintain your coverage. Your filing period begins on the first business day the DMV receives your SR-22 certificate. Be sure to pay your policy premiums during the required filing period, which is typically one to three years, depending on the offense.
Compare Oregon Car Insurance Quotes
See quotes from top insurers in minutes
Excellent
4.7 out of 5 based on 17,883 reviews
Secure. Free. Easy-to-use.
How long does Oregon require SR-22 insurance?
Most offenses require maintaining an SR-22 for three years in Oregon, but the requirement is one year for driving uninsured. If you miss a payment, cancel your auto insurance, or otherwise allow your policy to lapse, your insurer must file an SR-26 with the DMV to show you don’t meet financial responsibility requirements. This can restart the clock on your SR-22 filing requirement.
Oregon SR-22 insurance FAQs
If you still have questions about filing an SR-22 form in Oregon, check out these questions Oregon drivers commonly ask about high-risk insurance.
How much is SR-22 insurance in Oregon?
The average monthly premium for SR-22 insurance in Oregon is $109 for liability-only coverage and $187 for full coverage, based on Insurify data. But premiums depend on the type and severity of the violation that led to the SR-22 requirement. It’s also a good idea to compare rates from several insurers since pricing varies from one insurer to the next.
How do you get an SR-22 insurance certificate in Oregon?
To get an SR-22 certificate in Oregon, you need to buy an auto policy from an insurer that does business in Oregon and offers high-risk insurance. If you don’t own a vehicle but still need an SR-22 form to meet a legal requirement, look for a company that offers a non-owner SR-22 policy, like Progressive.
How long do you have to keep SR-22 insurance in Oregon?
The minimum filing period for SR-22 certificates in Oregon depends on the violation, but most offenses require you to maintain an SR-22 on file for three years. One notable exception is driving without insurance. As of January 2026, Oregon law requires you to file an SR-22 certificate for only one year if law enforcement catches you driving without coverage.
Sources
- Oregon Driver & Motor Vehicle Services. "What is an SR-22 Certificate?."
- Oregon Driver & Motor Vehicle Services. "Minimum Insurance Requirements."
- OregonLaws. "ORS 806.075 Insurance requirements for person convicted of driving under influence of intoxicants."
- Oregon Division of Financial Regulation. "Who needs car insurance?."
Related articles
)
How Much Is Car Insurance in Oregon?
Drivers in Oregon pay an overall average of $1,485 per year for car insurance.
Temporary Car Insurance in Oregon (October 2026)
Oregon drivers can’t buy temporary car insurance, but there are alternative options for short-term coverage, including purchasing a standard policy and canceling early.
Oregon Car Insurance Requirements in 2026
Oregon law requires drivers to carry bodily injury and property damage liability coverage, personal injury protection, and uninsured motorist coverage.
Cheap Car Insurance for Low-Income Drivers in Oregon
State Farm has the cheapest liability car insurance in Oregon, with an average rate of $55 per month.
)
Car Insurance for High-Risk Drivers in Oregon
High-risk drivers in Oregon pay more for car insurance than people with clean driving records, but you can take steps to lower your insurance rates.
Cheap Full-Coverage Car Insurance in Oregon
Oregon drivers can find the cheapest full-coverage car insurance from Mile Auto, with an average rate of $87 per month.
Best Car Insurance in Oregon
Mile Auto has some of the cheapest car insurance in Oregon, while State Farm is good for liability coverage and GEICO is smart for young drivers.
Car Insurance Grace Period in Oregon: Are You Covered After Buying a Car?
The grace period for insuring a new car in Oregon typically ranges from four to 14 days, depending on your insurer and the type of coverage you have.
)
Oregon Car Insurance Laws
Driving without minimum car insurance in Oregon can result in fines of up to $1,000, license suspension, and an SR-22 requirement.
Non-Owner Car Insurance in Oregon
Non-owner car insurance in Oregon can provide liability protection when you regularly rent or borrow a car. You may need to satisfy an SR-22 requirement if you don’t own a vehicle.
Cheapest Car Insurance Quotes in Oregon
State Farm, USAA, and Sun Coast offer some of Oregon’s cheapest car insurance quotes.
)
Cheap Car Insurance Quotes in Beaverton, Oregon (October 2026)
State Farm offers the cheapest car insurance rate in Beaverton, averaging $70 per month for liability coverage. Beaverton’s dense population and Highway 217 traffic help push local rates above the statewide average.
)
Cheapest Auto Insurance in Corvallis, Oregon
State Farm has the cheapest liability-only rates in Corvallis, with a rate of $48 per month.
)
Cheapest Auto Insurance in Eugene, Oregon
State Farm offers the cheapest car insurance in Eugene, with minimum-coverage policies as low as $55 per month.
)
Cheapest Auto Insurance in Grants Pass, Oregon
State Farm is the cheapest car insurance company in Grants Pass, with monthly liability-only rates of $45.
Cheap Car Insurance Quotes in Medford, Oregon (October 2026)
State Farm offers the cheapest car insurance in Medford, at $49 per month for liability coverage. Medford’s small population and short commute times may contribute to its low rates.
Cheap Car Insurance Quotes in Portland (October 2026)
State Farm has the cheapest liability insurance in Portland, Oregon, averaging $77 per month. The city’s vehicle theft rate and high population density affect car insurance rates.
)
Cheapest Auto Insurance in Salem, Oregon
Salem drivers can find the cheapest car insurance rates from State Farm. The insurer’s liability rates start at just $68 per month.
)
Best Cheap Auto Insurance in Springfield, Oregon
State Farm, USAA, and Mile Auto offer the cheapest car insurance rates in Springfield.
Cheapest Car Insurance Quotes in The Dalles, Oregon (October 2026)
State Farm offers the lowest average minimum-coverage insurance rates in The Dalles, at $53 per month. Drivers in The Dalles share I-84 with freight traffic moving through the Columbia River Gorge, where high winds and changing weather can affect insurance rates.
Writer: Lindsay VanSomerenInsurance and Personal Finance Writer
Writer: Lindsay VanSomerenInsurance and Personal Finance Writer
Qualifications:
8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Reviewer: David MarlettAdvisor
Reviewer: David MarlettAdvisor
Qualifications:
25 years teaching risk management and insurance course
Former commercial lines underwriter
David is the managing director of the Brantley Risk and Insurance Center. He has been quoted by The New York Times and CNN.