Cheapest SR-22 Car Insurance in Oregon in 2027
State Farm has the cheapest car insurance rates in Oregon if you need an SR-22 after a DUII
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- You may need to get an SR-22 certificate in Oregon if you’ve had your license suspended because of a serious violation, such as when driving while under the influence of intoxicants (DUII).
- This document, also called SR-22 insurance, proves to the state your insurance policy meets Oregon’s minimum car insurance requirements.
- SR-22 insurance in Oregon is generally more expensive than a standard car insurance policy.
Cheap SR-22 insurance in Oregon
State Farm, Progressive and Auto-Owners usually have the cheapest car insurance rates in Oregon if you need an SR-22.
Drivers with a conviction for driving while under the influence of intoxicants (DUII) pay an average of $189 per month for minimum coverage. State Farm’s average rate is $81 per month for minimum coverage.
But if you were caught driving without insurance, Auto-Owners has the cheapest average rate at $76 per month for minimum coverage. That’s far less than the overall average of $159 per month.
Monthly SR-22 rates after a DUII in Oregon
State Farm has the cheapest SR-22 insurance rates if you have a DUII, at an average of $81 per month for minimum coverage. Progressive and Auto-Owners are also cheap options.
Minimum coverage SR-22 car insurance quotes after a DUII
| Company | Min. coverage | Full coverage | LendingTree rating | |
|---|---|---|---|---|
 | State Farm | $81 | $135 | Read Our Review |
 | Progressive | $98 | $222 | Read Our Review |
 | Auto-Owners | $99 | $209 | Read Our Review |
 | Travelers | $135 | $283 | Read Our Review |
 | Country Financial | $183 | $361 | Read Our Review |
 | Sentry | $187 | $396 | NA |
 | Geico | $189 | $465 | Read Our Review |
 | Allstate | $235 | $434 | Read Our Review |
 | Nationwide | $242 | $512 | Read Our Review |
 | Mutual of Enumclaw | $268 | $540 | |
 | Farmers | $287 | $589 | Read Our Review |
 | American Family | $309 | $621 | Read Our Review |
 | USAA* | $141 | $324 | Read Our Review |
Monthly SR-22 rates after driving without insurance in Oregon
If you need an SR-22 because you got a ticket for driving without insurance, Auto-Owners has the best average rate at $76 per month for minimum coverage. State Farm and Progressive are also cheap. And USAA is a good option, too, but you can only get coverage from USAA if you’re affiliated with the military.
Minimum coverage SR-22 quotes after driving with no insurance
| Company | Min. coverage | Full coverage | LendingTree rating |
|---|---|---|---|
| Auto-Owners | $76 | $172 | Read Our Review |
| State Farm | $81 | $135 | Read Our Review |
| Progressive | $86 | $188 | Read Our Review |
| Travelers | $111 | $241 | Read Our Review |
| Geico | $149 | $357 | Read Our Review |
| Nationwide | $154 | $321 | Read Our Review |
| Country Financial | $166 | $322 | Read Our Review |
| Mutual of Enumclaw | $197 | $392 | |
| Allstate | $211 | $384 | Read Our Review |
| American Family | $225 | $440 | Read Our Review |
| Sentry | $229 | $485 | NA |
| Farmers | $304 | $608 | Read Our Review |
| USAA* | $83 | $195 | Read Our Review |
How much do SR-22 policies cost?
The only cost directly associated with an SR-22 certificate is the filing fee. That’s the fee your insurance company charges you to file the form with the state, and it’s usually between about $15 to $50.
However, if you need an SR-22 certificate, you’ll likely have to pay more for insurance. Oregon drivers typically need SR-22 insurance after a DUII or driving without insurance offense. These traffic violations typically lead to higher car insurance rates, adding much more to your bill than the SR-22 fee.
For example, you’ll pay an average of $121 per month for minimum coverage car insurance in Oregon if you have a clean driving record. But if you’re caught driving without insurance and need an SR-22 filing, the average rate is $159 per month for the same coverage. And for drivers with a DUII, that average goes up to $189 per month.
To find cheap SR-22 insurance in Oregon, you should shop around for quotes from multiple companies. Insurance companies all determine rates differently, so comparing multiple quotes is one of the best ways to find cheap car insurance.
What is an SR-22 in Oregon, and when is it required?
An SR-22 is a form your insurance company files with the state to show that your auto insurance policy meets the minimum coverage requirements in Oregon.
Your insurance company will also notify the state if your policy is canceled or lapses. If that happens, you’ll likely lose your driving privileges until you can prove you have insurance again.
Oregon SR-22 insurance requirements
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $20,000 per accident
- Uninsured motorist bodily injury liability: $25,000 per person and $50,000 per accident
- Personal injury protection (PIP): $15,000 per person
However, if you have a DUII on your record, you may need to have higher insurance limits. Your policy must have at least $50,000 per person and $100,000 per accident for bodily injury coverage.
When are you required to get an SR-22 in Oregon?
- You get a ticket for driving without insurance
- You’re in an accident and you don’t have insurance
- You’re convicted of driving under the influence of intoxicants (DUII)
- You own a vehicle involved in an uninsured crash, even if you weren’t driving
- You are convicted of some other traffic violations
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You are applying for a hardship permit
A hardship permit allows some drivers with suspended licenses to drive for essential reasons, such as getting to work, getting medical care or attending alcohol or drug treatment.
A hardship permit allows some drivers with suspended licenses to drive for essential reasons, such as getting to work, getting medical care or attending alcohol or drug treatment.
If you’re required to have an SR-22 certificate and you don’t own a car, you must buy what’s called a non-owner SR-22 policy if you want to drive in Oregon.
Non-owner car insurance protects drivers when they’re operating cars they do not own. This type of coverage usually costs less than other SR-22 policies while still meeting the necessary legal requirements.
How to get an SR-22 in Oregon
To get SR-22 insurance coverage in Oregon, you will need to follow several steps.
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Contact your current insurance company or find a new one.
Not all insurance companies will sell policies to drivers who need an SR-22. First, ask your current company if it can file the form on your behalf. If it won’t, then you’ll need to find a new company. -
Have your insurance company file the SR-22 on your behalf.
You’ll need to pay the filing fee and probably at least one month of your premium. Then, the company will file the SR-22 form directly with the Oregon DMV. -
Get confirmation.
Once the SR-22 form is processed, contact the DMV and make sure your license has been reinstated before you drive.
If the state of Oregon requires you to have SR-22 insurance coverage and you move out of state, you still have to file an SR-22 with Oregon. You might not be able to get a license in another state if your license was suspended in Oregon for failing to file the SR-22.
How long is SR-22 insurance coverage required in Oregon?
- If you need an SR-22 because you were caught driving without insurance, you only need the form for one year.
- If you have a DUII on your record, you need the form for three years. And if you have a hardship permit, you need the SR-22 until the permit expires.
- For the other violations that might trigger an SR-22, you’ll need to ask the state how long your requirement lasts.
Insurance companies will notify the Oregon DMV if you cancel or do not renew your SR-22 policy. If you let your SR-22 coverage lapse, you could lose your driver’s license and be forced to pay reinstatement fees and higher car insurance rates.
To avoid any lapses in coverage, renew your policy early — ideally 30 days in advance — during the three years you’re required to carry SR-22 insurance.
If you’re wondering when your SR-22 is up, you can contact the Oregon DMV to confirm the date of completion.
After the Oregon DMV confirms you’ve completed your SR-22 requirement, you should tell your insurance company that an SR-22 filing is no longer required.
Frequently asked questions
State Farm has the cheapest SR-22 insurance in Oregon if you have a DUII on your record. Minimum coverage from State Farm costs $81 per month. If you were caught driving without insurance and need an SR-22, Auto-Owners is cheapest, at an average of $76 per month.
Drivers who need SR-22 insurance usually have to keep it for three consecutive years. If you were caught driving without insurance, you might just need the SR-22 for one year. If you have an accident or ticket during that time, the clock may reset to a new three-year period. If you have what’s called a hardship permit, you need to keep the SR-22 for as long as you have the permit.
An SR-22 certificate can cost around $15 to $50 to file. However, your car insurance rates will usually go up depending on the reason you need an SR-22. For example, minimum coverage costs an average of $121 per month in Oregon if you have a clean record. If you have a ticket for driving without insurance, the average rate is $159 per month. And if you have a DUII on your record, the average rate is $189 per month.
You can contact the Oregon DMV to find out how much longer you need an SR-22 on file. Once your requirement is complete, you can let your insurance company know that you no longer need an SR-22 filing.
Methodology
To find the cheapest car insurance companies in Oregon for drivers with an SR-22, LendingTree compared quotes from large insurance companies in the state across every residential ZIP code. All quotes are for a 30-year-old man who has good credit and owns a 2018 Honda Civic EX.
Minimum coverage rates are based on the state-required car insurance coverage in Oregon. Full coverage rates are for higher liability limits as well as comprehensive and collision coverage:
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision coverage: $500 deductible
Rate data comes from Quadrant Information Services, which gets data from publicly sourced insurer filings. All rates are for comparative purposes only. Your own quotes may be different.
How we evaluated car insurance companies
Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included Complaint Index scores from the National Association of Insurance Commissioners (NAIC) and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
See our car insurance ratings methodology and full editorial guidelines for further details.
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*USAA is only available to military members, veterans and certain family members.