Filing for SR-22 insurance in Oregon |

Filing for SR-22 insurance in Oregon

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.

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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 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.

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.

Get back on the road quickly

Enter your ZIP code below and click Compare now
to see the best SR-22 rates in your area.

Your information is secure.

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