Cheap SR-22 Insurance in Oregon (2024)

Drivers with a conviction for a DUI, reckless driving, or another high-risk violation that results in license suspension may need an SR-22 or FR-44 certificate, depending on the state where they live. Both of these certificates serve as proof of financial responsibility and show that you meet the state’s minimum insurance requirements. Drivers only need to file an FR-44 form if they live in Virginia or Florida.

In Oregon, drivers with serious offenses need to file an SR-22 form. Here’s what to know about SR-22s in Oregon, how much they cost, where to get one, and how long they remain in effect.

What is SR-22 insurance in Oregon, and when do you need it?

SR-22 forms provide proof that you meet a state’s minimum insurance coverage following license suspension due to a serious driving offense. In Oregon, you may need an SR-22 form following a charge for a DUI, reckless driving, or uninsured driving. Even if you don’t have a car, the state still may require you to file an SR-22 form with nonowner insurance.

SR-22s serve as proof of coverage, but they aren’t insurance policies. Your car insurance coverage remains separate, though you may see this form colloquially referred to as SR-22 “coverage” or “insurance.”

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How can you get an SR-22 in Oregon?

First, you’ll need to contact the Oregon DMV to determine whether you need an SR-22 form. If your insurance company offers SR-22 assistance, you can simply contact it to request that it file an SR-22 with the Oregon DMV for you. You’ll likely need to pay a small fee of up to $25 for the SR-22 filing.

Many insurers don’t offer SR-22s. If your insurer doesn’t have this option, you’ll likely need to get coverage and an SR-22 from another provider to avoid further suspension or revocation of your driving privileges.

Even if you don’t have a car, you need to file an SR-22 if you plan to drive any vehicle.^[1] In this case, you’ll likely need to purchase nonowner coverage in addition to filing an SR-22 to fulfill the state’s minimum requirements and retain your driving privileges.

These are the minimum car insurance requirements in Oregon:^[2]

• Bodily injury liability: $25,000 per person/$50,000 per accident

• Property damage liability: $20,000 per accident

• Personal injury protection: $15,000 per person

• Uninsured motorist: $25,000 per person/$50,000 per accident

How long is an SR-22 required in Oregon?

The requirement for an SR-22 in Oregon will generally remain for three years. But this time frame can vary depending on the type of offense you’ve committed or if you have a lapse in coverage.^[3]

If you have questions about the required time frame, you should speak with an attorney or the Oregon DMV to determine requirements for your unique situation. This will provide some clear insight into how long your SR-22 needs to be in place.

How much is SR-22 insurance in Oregon?

The cost of filing an SR-22 in Oregon can vary based on your insurance company, but you’ll typically pay around $25.

“Many insurance companies will only charge you a filing fee for the SR-22 insurance,” says Jesse Cunningham, a licensed independent insurance agent and owner of Bauple. “What increases your rates with SR-22 insurance is typically the reason behind needing proof of financial responsibility in the first place — things like DUI, causing multiple accidents, driving without insurance, and other infractions.”

While Oregon drivers with a clean record pay an average of $118 per month for auto insurance, drivers with an SR-22 form in Oregon pay around $137 per month. This cost will vary depending on your most recent driving offense, your past driving record, and the insurance company you choose.

Cheapest companies for SR-22 insurance in Oregon

Some insurance companies don’t offer SR-22 coverage, but several insurance companies in Oregon do provide this option for high-risk drivers. Here’s a look at some insurers offering SR-22 coverage, along with their average monthly quotes.

Cheapest insurance companies in Oregon with SR-22 by city

The cost of SR-22 coverage can also vary depending on where you live in Oregon. For instance, high-risk drivers with SR-22 forms in Medford and Salem tend to have cheaper rates than drivers in Portland. Here’s how costs vary by insurer and location.

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How an SR-22 affects driving record and future rates in Oregon

If you have to file an SR-22 in Oregon, auto insurers will likely view you as a high-risk driver due to a serious infraction like a DUI. Generally, serious infractions result in higher car insurance premiums. The amount of the increase may depend upon the offense, your location, your driving record, your age, and other factors.

Many insurance companies will charge you a filing fee for the SR-22, but your rates will typically increase because of the driving violation that led to you needing proof of financial responsibility. You can decrease your insurance costs, though your status as a high-risk driver makes it more difficult.

“Once an SR-22 is filed, you can work to reduce premiums by improving your driving record,” says Cunningham. “Address habits and behaviors that led to needing the SR-22. For instance, some states or insurance companies offer classes to help you learn defensive driving or lower penalties on your driving record.”

The following strategies may help lower your premiums:

• Bundle your coverages. Getting multiple types of insurance coverage from one provider may help you reduce your auto premiums. For instance, if you have an existing homeowners insurance policy, you might opt to file an SR-22 and get auto coverage from the same provider.

• Maintain your driving record. While past infractions may negatively affect your driving record and premium costs, maintaining a clean record moving forward could help reduce your insurance premiums over time.

• Take a defensive driving course. Many car insurance companies offer safe driving discounts, so taking a defensive driving course may also help you lower the cost of your car insurance coverage.

• Ask about available discounts. In addition to safe driving discounts, car insurers also offer other discounts for eligible policyholders. Common ones include discounts for vehicle safety or anti-theft features, new-car discounts, and telematics discounts.

Oregon SR-22 insurance FAQs