finder.com

Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

Oregon’s cheapest SR-22 insurance

Compare cheap SR-22 insurance in Oregon

Avatar
Roslyn McKenna
Updated . What changed?
Fact checked

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.

What's in this guide?

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 since you’re now considered a high-risk driver.

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 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.

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 Accident forgiveness Payment schedule States served
Progressive
Progressive
Optional
12 months, 6 months
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Get quotes
More Info
USAA
USAA
Optional
12 months, 6 months, custom
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Get quotes
More Info
Root
Root
6 months, monthly
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MO, MT, NE, NV, NM, ND, OH, OK, OR, PA, SC, TN, TX, UT, VA, West VA
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Get quotes
More Info
Allstate
Allstate
Optional
Monthly
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Get quotes
More Info
Liberty Mutual
Liberty Mutual
Optional
12 months, monthly
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Get quotes
More Info
The General
The General
Optional
12 months, monthly
All states except HI MA MI and NJ
Snag affordable coverage for high-risk drivers, a marketing claim backed by our rate analysis which showed premiums less than $80 a month.
Get quotes
More Info
Farmers
Farmers
12 months, custom, Monthly
All 50 states
Say hello to a local Farmers agent who can help you find the best savings from a long list of coverage options.
More Info
loading

Compare up to 4 providers

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.

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?

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.

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.

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.

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site