If you’ve gotten in trouble behind the wheel in Oregon, you could be ordered by the court to file for an SR-22.
Turns out, what’s commonly referred to as “SR-22 insurance” isn’t insurance at all. Rather, it’s a document your insurance company files with the state to prove you’re covered by the minimum car insurance required to legally drive.
Here’s a look at how you can get and maintain an SR-22 in the Beaver State.
SR-22 insurance in Oregon
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.
Steps to filing for an Oregon SR-22 insurance
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:
- $25,000 for injury or death to one person.
- $50,000 for injury or death to more than one person.
- $20,000 for damage to property.
The minimum coverage requirements for the state of Oregon, you might see it listed as 25/50/20 in insurance documents.
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.
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.
The impact of an SR-22 on your car insurance ratesSR-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.
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.
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.