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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.
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. 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.The impact of an SR-22 on your car insurance rates
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.
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.
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.
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:
If the DMV informs you that you need an SR-22, you’ll still need to file for an SR-22 if you plan on driving in Oregon, even if you don’t have a car or license.
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.
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.
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.
Compare SR-22 car insurance from companies near you.
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Need help? Call (877) 959-5072 toll-free to speak to an SR-22 specialist.
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.
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