Oregon SR-22 Car Insurance

How Much Does SR-22 Cost in Oregon?

The state of Oregon will obligate you to file SR-22 insurance to reinstate your driving privileges. It is a prerequisite that your insurance policy meets the minimum liability requirements of Oregon. Additionally, the complete filing fee for SR-22 insurance in Oregon is roughly $50.

Drivers in Oregon who have received driving citations in the past are bound to pay more expensive rates. However, the increase in their car insurance policy in Oregon will depend on the severity of the violation. But, if you wish to save on your SR-22 insurance, purchasing a non-owner coverage will help minimize the increase.

What is the rate of SR-22 insurance in Oregon?

The SR-22 insurance cost in Oregon is nearly a tripled amount before the driver receives a serious citation such as DUI or at-fault accidents. Driving citations such as speeding tickets can also render an increase in your car insurance rates in Oregon. Thus, regardless of the kind of violation you commit, your auto insurance rate will rise significantly.

After three violations in Oregon, the state will demand SR-22 insurance that must be filed by your insurer. It is to prove that you are under an auto insurance policy in Oregon. Also, if you are from another state with SR-22 insurance and you moved to Oregon, you will be required to have SR-22 insurance. 

Oregon SR-22 Car Insurance Rates

There are several SR-22 insurance major players in Oregon. State Farm and Progressive are some of the few that offer competitive SR-22 auto insurance rates in the state. These car insurance companies intensively evaluate your driving history to determine your risk level. Insurers will then give your SR-22 car rates upon examining your recent driving profile, location, age, and vehicle type. Hence, SR-22 rates in Oregon will depend on your unique driving history but, it is given that you will be paying more than the ones with a good driving profile.

Oregon SR-22 Car Insurance Rates

CompanyYearly Average RateSR-22 Insurance Rate Per Year
State Farm$450$744
Progressive$577$774
Country Financial$799$1,176
USAA$715$1,239
Allstate$1,135$1,503
American Family$462$1,538
Farmers$987$1,599
GEICO$1,397$2,574

Oregon SR-22 Requirement

Three Forms of Financial Responsibility

However, Oregon requires every high-risk driver to file SR-22 insurance. It is typically based on the severity of violations accumulated over a period of time. One single DUI is already enough reason for the state of Oregon to mandate SR-22 insurance to the driver. For a DUI violation, roughly a $1,940 increase will render to your yearly rate. 

Oregon SR-22 Minimum Insurance Requirements

How To Get an SR-22 Insurance in Oregon?

If you have an ongoing car insurance policy, it can be easy to acquire an SR-22 after a violation. Just directly contact your agent or car insurance provider in Oregon and request them to file SR-22 insurance on your behalf. However, there are some insurance companies around Oregon that might refuse your request. Thus, the best thing to do is to look for another company that will attend to your needs. 

Types of SR-22 Endorsement in Oregon

Auto Owner Policy

This policy provides full coverage or liability for your car that is registered under your name. You can also add on a few comprehensive policies such as uninsured motorist, underinsured motorist, medical coverage, rental and towing coverage, and other premiums depending on the company you chose. 

Non-Owner Policy

The non-owner policy may not be as comprehensive and secure as auto owner policyholders but it sure is cheaper. However, the coverage you are only entitled to purchase is the minimum liability coverage.

Motorcycle SR-22 Insurance

Motorcycle SR-22 Insurance is a standard motorcycle insurance policy for drivers under SR-22.

Motorcycle SR-22 Insurance

Oregon SR-22 Car Insurance

Oregon Car Insurance Rates After Common Violations

Common CitationAnnual Average Rate (with violation)Annual Average Rate (with no violation)
State Farm$450$744
Progressive$577$774
Country Financial$799$1,176
USAA$715$1,239
Allstate$1,135$1,503
American Family$462$1,538
Farmers$987$1,599
GEICO$1,397$2,574

Filing an Oregon SR-22 Insurance for Insured Drivers

If you are insured and want to file SR-22 car insurance in Oregon, an additional cost will be billed to you for the whole process of the application. It is likely for some insurance companies to disqualify your application. However, there will be other companies that would be willing to sell you SR-22 insurance. 

Filing an Oregon SR-22 Insurance for Non-Owners

It can be tricky for non-owner drivers to acquire SR-22 insurance, but it also can be cheaper. All you need to do is concrete proof of your insurance to acquire the required certificates that were mentioned above.

The best thing to do is to purchase non-owners car insurance coverage before trying to apply for SR-22 insurance. It may take a lot of your time and effort but, being able to qualify for non-owners SR-22 insurance will help you garner cheaper rates since you will not be given coverage for the physical damage of your vehicle in cases of collision.

The best thing to do is to purchase non-owners car insurance coverage before trying to apply for SR-22 insurance. It may take a lot of your time and effort but, being able to qualify for non-owners SR-22 insurance will help you garner cheaper rates since you will not be given coverage for the physical damage of your vehicle in cases of collision.

Oregon SR-22 Insurance FAQs

  • What is the cost of Oregon SR-22 insurance yearly?

    An increase of roughly $1,940 per year will reflect in your rates when convicted of serious violations such as DUI?DWI.

  • What are the reasons for filing an Oregon SR-22 insurance?

    There are several plausible reasons for Oregon DMV to mandate you to acquire SR-22 insurance; more than three moving citations acquired within a year, moving violation while your license is suspended or revoked, frequent acquisition of serious traffic violations, driving under the influence of alcohol or drugs and failing or refusing an alcohol test, violations for repeatedly failing to pay gas, providing a falsified document and failure to pay child support.

  • Is it possible to file non-owner insurance in Oregon if I own a vehicle?

    No. If you have a vehicle, it is mandatory for every driver with a car registered under their names to file the appropriate SR-22 insurance policy.  

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