High-Risk Car Insurance in Oregon

Oregon's assigned-risk plan provides liability coverage to high-risk drivers who can't get insurance through standard carriers. The program is run by the Western Association of Automobile Insurance Plans and assigns rejected drivers to participating insurers based on market share, helping them meet Oregon's mandatory insurance requirements.

To qualify for the Automobile Insurance Plan of Oregon, you must meet these requirements:

• Unable to get coverage through the standard insurance market
• Valid Oregon driver's license or an SR-22 filing requirement
• Oregon residency or a vehicle registered in the state

Drivers need this plan after a DUI conviction, multiple traffic violations, at-fault accidents or a long gap in coverage.

Drivers with DUIs or suspended licenses may also need SR-22 insurance in Oregon, which is a certificate of financial responsibility filed with the state.

The Automobile Insurance Plan of Oregon is the state's backup option for high-risk drivers who have been turned down by standard insurers. Every licensed insurance company in Oregon must take part in this assigned-risk pool and accept drivers in proportion to their share of the market. This keeps the system from turning anyone away.

Once you're assigned through the Plan, a participating insurer provides you with minimum liability coverage for the policy period.

Assigned-risk plan rates in Oregon run 60% to 90% higher than standard market policies. A driver with a clean record pays around $95 per month for minimum liability coverage in the standard market while the same coverage through the assigned-risk plan can cost $150 to $180 per month. Rates vary based on your driving record and other risk factors.

The Oregon Department of Consumer and Business Services oversees the program and sets rate regulations. It ensures that even the highest-risk drivers can access the liability coverage Oregon law requires.

If you can't get coverage through the standard insurance market, here's how to apply:

1. Contact a licensed Oregon insurance agent who can help you apply to the Automobile Insurance Plan of Oregon.
2. Your agent will work with the Western Association of Automobile Insurance Plans to process your application.
3. Provide any documents your agent asks for, including your driver's license, vehicle registration and details about your coverage needs.
4. Once your application is processed, you'll be assigned to a participating insurer. Pay your premium to that carrier to activate your policy.

For more information, call the Western Association of Automobile Insurance Plans at (800) 227-4659.

Oregon's assigned-risk plan makes sure drivers who can't get standard coverage can still meet the state's mandatory insurance requirements.

State Farm offers competitive full coverage rates across several violation types. Rates vary by individual circumstances, coverage level and specific violation.

For nationwide options, see our guide to affordable high-risk car insurance in the U.S.

*Rates are for full coverage (100/300/100 liability with comprehensive and collision) based on a 35-year-old male driver in Oregon with good credit and the specified violation. Click on any violation to see detailed rate comparisons from multiple insurers.

Oregon drivers with a DUI pay rates ranging from $93 per month with State Farm to as high as $497 from other insurers for full coverage. A DUI ranks among the most serious violations and stays on your Oregon driving record for 55 years, though most insurers consider it for three to five years when calculating premiums, with some carriers looking back up to 10 years.  

For reducing your rates, check our car insurance after a DUI guide for practical tips.

Oregon drivers with a speeding ticket can find full coverage for as little as $93 per month through State Farm, while other insurers charge up to $252. Your rate increase depends on how much you exceeded the speed limit and whether it's a first offense or a repeat violation. Speeding tickets stay on your driving record for three to five years in Oregon.

Oregon drivers with at-fault accidents find full coverage rates ranging from $107 per month through State Farm to as high as $271 from other insurers. Companies increase premiums because at-fault accidents signal you're more likely to file future claims, especially when the accident caused injuries or major property damage. These accidents stay on your driving record for three to five years.

Oregon drivers with a distracted driving violation can find affordable full coverage through State Farm at $93 per month, while other insurers charge up to $262. The state prohibits handheld cellphone use while driving, with violations resulting in fines of $265 for first offenses and $440 for second offenses or if the first offense contributes to a crash. Though less severe than DUI or reckless driving, distracted driving citations still increase your insurance premiums.

At-fault accidents increase full coverage rates in Oregon by 49% ($55 monthly), while a DUI raises costs by 80% ($90 monthly) compared to drivers with clean records. Oregon residents with violations pay more than those without infractions on their driving history.   

For clean-record rates, see the average cost of car insurance in Oregon guide.

High-risk drivers face higher rates, but you can still find affordable coverage by comparing quotes from multiple insurers. Learn why insurers charge higher rates, where to find affordable coverage and what to do after a denial.

Learn additional ways to reduce costs with violations in our cheap car insurance after a bad driving record resource.

Insurance companies consider you high risk when you have:

• DUI or DWI charges, moving violations or at-fault collisions or a suspended or revoked license
• Inexperience behind the wheel or a sports car or street racing history
• Poor credit or gaps in coverage
• Multiple claims or serious accidents

Drivers over 65 may also pay higher premiums.

State Farm offers competitive high-risk car insurance rates with the most affordable high-risk car insurance across violation types. Full coverage ranges from $93 monthly for drivers with a DUI to $107 per month for those with at-fault accidents, though rates vary based on your specific violation and coverage needs.  

The Automobile Insurance Plan of Oregon provides coverage for drivers who've been rejected by standard insurers, ensuring you can meet the state's mandatory insurance requirements.  

Once you've improved your driving history, keep comparing rates through our guide to the cheapest car insurance in Oregon.

Discover strategies for lowering premiums and securing coverage with violations in our cheap car insurance after a bad driving record resource.

We calculated average rates using full coverage insurance with 100/300/100 liability limits plus comprehensive and collision coverage with a $1,000 deductible. State minimum rates were based on Oregon's required 25/50/20 liability coverage.

All rate calculations use this standard profile:

• Male driver aged 35 with an annual mileage of 12,000, a good credit score and one

  violation (DUI, speeding ticket, at-fault accident or distracted driving)

Rates from major carriers were analyzed by violation type to determine the most affordable insurers for high-risk drivers in the state. Filter options allow users to compare full coverage and state minimum options for their specific needs.