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Oregon’s cheapest SR-22 insurance

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Compare cheap SR-22 insurance in Oregon.

An SR-22 is a document your insurance company files with the state to prove you’re covered by the minimum car insurance required to legally drive. Learn how you can get and maintain an SR-22 in Oregon.

  • Affordable coverage
  • Instant online access
  • SR-22 support

Our pick for SR-22 drivers: The General

The General offers affordable coverage for nearly any driver who needs car insurance.

  • Affordable coverage
  • High risk drivers okay
  • Instant online access
  • Prepayment discounts
  • SR-22 filing assistance
  • Available in 46 states
Promoted

Compare Oregon SR-22 car insurance

Find the best rates from insurance providers in Oregon. Learn more about state minimums and other requirements in the comprehensive guide to Oregon car insurance.

Name Product Roadside assistance New car protection Accident forgiveness Available states
Optional
All states except Hawaii, Massachusetts, Michigan and New Jersey
The General offers affordable coverage for nearly any driver who needs car insurance.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
Yes, earned or bought
All 50 states
As the nation’s second largest auto insurance company, Geico streamlines the process of purchasing car insurance.
AZ, GA, IL, IN, KS, KY, LA, MS, MO, OH, OK, PA, SC, TN, TX, VA
Known for providing insurance to high-risk customers who may have trouble finding coverage elsewhere, SafeAuto offers a lot of different discounts, from those for homeowners to good drivers.
Optional
AL, AR, FL, GA, LA, MS, MO, NC, SC, TN, TX, VA
Discounts, flexible payments and a life coach that guides you to your best rates and coverage with Direct car insurance.
Optional
Yes, 3 years accident free
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
Yes, 5 years accident free or bought
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.

Compare up to 4 providers

Do I need SR-22 insurance in Oregon?

Your state DMV will let you know if you need to file an SR-22. In Oregon, you may need to file for an SR-22 if:

  • You’re liable for an accident and fail to pay for damages.
  • You’re found driving without insurance.
  • You’re convicted of a DUI.
  • You were involved in an accident and you were uninsured.
  • The state revokes your license.
  • You apply for a probationary or hardship permit — which you might need if your license is suspended.
  • A judge orders a mandatory insurance supervision.

What if I don’t have a car or license?

You’ll still need to file for an SR-22 to legally get behind the wheel in Oregon. If you lose your license because you’re caught driving without insurance, the court could order you to carry non-owner insurance to reinstate your license.

What if I’m from another state?

If you have an SR-22 from another state, you must maintain it while driving in Oregon. Your SR-22 is likely to be sufficient in Oregon, but it’s best to call your DMV and your insurer to confirm.

How do I file an SR-22 in Oregon?

  1. Find an insurer. Ask your insurer if it’s authorized to issue SR-22s in the state of Oregon. If not, find a provider that is.
  2. Pay the SR-22 fee. To finalize your SR-22, you pay a processing fee to your insurer.
  3. Verify minimum liability coverage. If you’re already insured, call your provider to verify that your policy includes 25/50/20 coverage:
    • $25,000 for injury or death to one person.
    • $50,000 for injury or death to more than one person.
    • $20,000 for damage to property.
  4. Submit your SR-22. Your insurance agent files your SR-22 with the Oregon DMV. Verify with the DMV directly to confirm a successful filing.
  5. Wait for confirmation. You’ll receive a letter from your insurer and the state of Oregon that your SR-22 is accepted. Until it’s confirmed, you’re not able to legally drive in the state.

Get cheap SR-22 insurance

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How much does an SR-22 cost in Oregon?

Once you’ve purchased or renewed a policy, most providers will file an SR-22 for a fee of $20 to $50.

But it’s not the fee that’s most expensive when you file for an SR-22 — you’ll also typically see higher premiums than you’re used to.

Oregon SR-22 car insurance rates

Not every insurer offers SR-22 filing support. Compare cheap rates from Oregon insurance companies that offer SR-22 insurance. Your actual quotes will vary based on your demographics, location, driving record and other factors.

Rates last updated April 22nd, 2019
Company Median annual rate Learn more
Allstate $1,074 Read review
State Farm $1,174 Read review
Geico $1,649 Read review
American Family $973 Read review
USAA $1,483 Read review
Average $1,271 Compare more reviews

The impact of an SR-22 on your car insurance rates

SR-22s are often required after a driving conviction, such as driving without insurance or a DUI. After such a conviction, you’re considered a high-risk driver by the state and most providers. Car insurance providers typically charge more for high-risk policies.

Talk with your insurance agent to find out how much you could potentially pay in higher premiums.

How long will I need an SR-22 in Oregon?

In Oregon, most court-ordered SR-22s result in a coverage requirement of up to three years. This period may be extended depending on whether you keep your driving record clean.

What happens when I don’t need SR-22 coverage anymore?

Once you’re at the end of your filing period you may want to contact your local DMV to confirm you’re completely clear of the mandate before you cancel or change your insurance plan. You can then contact your insurance agent and find the best way to move forward with regards to your policy.

What happens if I let my SR-22 lapse?

Talk to your provider about how much you can expect your rates to increase. And make sure you understand your role in maintaining your insurance and your SR-22. A lapse or nonrenewal could set you back a lot of money and time.

In the event of a lapse your insurance company will send the state an SR-26, which rescinds the SR-22. The state may then suspend your license until your SR-22 is renewed.

Bottom line

Even without a car, you’ll likely need to hold an SR-22 policy to get your license reinstated. You can potentially avoid additional suspension and fees by staying on top of your premium payments, renewing your policy early and driving within the law during your filing period.

Being marked as a high-risk driver doesn’t necessarily mean you have to settle for the first provider that offers you half-decent rates. Take your time and shop around to find the best deal for your money.

Get cheap SR-22 insurance

Compare SR-22 car insurance from companies near you.

Your information is secure.

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