SR-22 Car Insurance in Oregon
Oregon drivers with a suspended license need to file an SR-22 to have it reinstated. Filing an SR-22 usually costs between $15 and $50 dollars, but you’ll also pay more for car insurance while the SR-22 is in effect.
What is SR-22 insurance in Oregon?
“SR-22 car insurance” isn’t a type of car insurance coverage. An SR-22 is a form filed with the DMV that proves you have your state’s required car insurance limits. Your car insurance company will file the SR-22 on your behalf.
An SR-22 form shows you have at least these amounts of liability car insurance in Oregon:
- Bodily injury and property damage liability per person: $25,000
- Bodily injury and property damage liability per accident: $50,000
- Personal property liability: $20,000
- Personal injury protection (PIP) PIP covers injuries to you and your passengers, whether you or another driver causes the accident. It also covers lost wages and certain other expenses. per person: $15,000
- Uninsured motorist coverage Uninsured motorist covers you and your passengers for injuries caused by a driver with no insurance. It’s required in about 20 states and optional everywhere else. per person: $25,000
- Uninsured motorist coverage per accident: $50,000
How long do I need to file an SR-22 in Oregon?
Most Oregon drivers need to file an SR-22 with the state for three consecutive years, but it can be for up to five years.
If you stop carrying the SR-22 before that time, your insurance company will notify the DMV. The DMV will suspend your license again until you refile the SR-22. The three-year limit will either restart or continue.
Oregon offers three different types of SR-22 certificates:
- Owner: This SR-22 is for owners of a vehicle.
- Operator: This form is for a driver who does not own a car but has a suspended license.
- On behalf of: This is for car owners who file for an employee or family member. It allows the SR-22 holder to drive only the owner’s car.
Who needs an SR-22?
You will need to file an SR-22 with the Oregon DMV if you:
- Drive uninsured and are in an accident
- Own a car involved in an uninsured crash
- Are convicted of driving while uninsured, a DUI or other traffic offenses
- Are applying for a hardship permit A hardship permit lets you drive a non-commercial vehicle if your license is suspended or revoked.
These are the most common reasons Oregon drivers need an SR-22. Contact the Oregon DMV for more information.
How do I get an SR-22 in Oregon?
Contact your car insurance company to have it file an SR-22 for you. Not all car insurance companies offer SR-22 filing. If yours doesn’t, compare car insurance quotes from several other companies to find one that does. This may help you get cheaper rates, as well.
Your insurer will make sure you have Oregon’s minimum car insurance limits.
It won’t file an SR-22 for you otherwise. You need to do this even if you don’t own a car.
Once your insurance company files your SR-22, the Oregon DMV will update your driving status. It will notify you to confirm when it reinstates your drivers license.
What are the cheapest car insurance companies after an SR-22?
American Family has the cheapest car insurance rates after you file an SR-22 in Oregon, with an average rate of $2,112 a year.
Progressive is the second-cheapest company after an SR-22, at $2,247 a year. The average cost of car insurance after an SR-22 in Oregon is $3,320 a year.
The driving offense that makes you file an SR-22 can affect your car insurance rates. Other factors that can impact it are your:
- ZIP code
- Car make and model
- Driving history
- Policy coverage limits and deductible
Cheapest car insurance with an SR-22
| Company | Annual rate |
|---|---|
| American Family | $2,112 |
| Progressive | $2,247 |
| Country Financial | $2,403 |
| State Farm | $2,506 |
| Travelers | $3,480 |
| Farmers | $4,238 |
| Allstate | $4,534 |
| Geico | $5,045 |
| USAA* | $2,182 |
How much does an SR-22 cost in Oregon?
Most insurance companies will charge you between $15 and $50 to file an SR-22 in Oregon. On top of the fee, you’ll usually pay higher car insurance rates until the infraction that caused the SR-22 is off your record.
Methodology
LendingTree obtains rates from insurance company filings reported to Quadrant Information Services. Rates shown in this article are based on an analysis of car insurance quotes for sample drivers. Your rates may vary.
Unless stated otherwise, we used thousands of car insurance quotes in Oregon for a 30-year-old man with good credit and one DUI driving a 2015 Honda Civic EX.
For full coverage policies, the following coverage limits were used:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $25,000
- Uninsured motorist: $50,000 per person, $100,000 per accident, where required by law
- Personal injury protection: Minimum limits, where required by law
- Collision: $500 deductible
- Comprehensive: $500 deductible
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