Cheapest SR-22 Car Insurance in Oregon

Progressive offers the cheapest SR-22 insurance in Oregon at $91 monthly for minimum coverage and $159 for full coverage, about 56% lower than the state's average overall. However, this only represents 40-year-old drivers with a DUI on record, and COUNTRY Financial, Travelers, State Farm and Mutual of Enumclaw may offer more affordable rates for your profile.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Progressive and COUNTRY Financial each lead in three SR-22 insurance categories in Oregon. Progressive offers the cheapest rates for most drivers, young drivers and seniors, while COUNTRY Financial provides the most affordable coverage for drivers with speeding tickets, racing violations and hit-and-run accidents. GEICO leads for other violations.

* Rates for most drivers are represented by a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE. All other profiles are modifications of these factors. Young drivers are represented by 25-year-olds, and seniors are represented by 65-year-olds; all other violations represent those with suspensions that are not due to driving violations.

Our analysis covers general winners for standard profiles and common categories, but your cheapest insurance options depend on your specific situation. The table below matches you with affordable providers based on your age, gender, coverage needs, credit score and driving history.

Progressive offers the most affordable SR-22 car insurance across several Oregon cities, with rates starting at $58 monthly in Union. COUNTRY Financial provides competitive rates in other Oregon locations. Below, you can review rates for major cities across the state.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Progressive stands out as the best car insurance provider for SR-22 filing in Oregon, offering the strongest combination of affordable rates, quality customer service and comprehensive coverage options. For additional options, consider Travelers, State Farm, GEICO or Farmers in your search.

SR-22 car insurance in Oregon costs an average of $2,574 yearly for minimum coverage and $4,198 annually for full coverage policies. Oregon ranks 33rd in affordability for minimum coverage and 32nd for full coverage nationwide. Monthly premiums can range from $107 to $833, depending on your driving profile.

*Average rates shown represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Our analysis shows Union offers the lowest SR-22 insurance rates in Oregon at $112 monthly, while Gresham has the highest premiums at $281 per month. Review costs for major cities across Oregon for both full and minimum required coverage policies.

* Rates shown are for a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

To comply with Oregon laws, you must carry these minimum liability limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $20,000 property damage liability per accident

In the state, SR-22 certificates are usually required for three years. It can be extended beyond three years, depending on the violation and if there is noncompliance with requirements or repeated offenses.

Getting an SR-22 is just one part of meeting Oregon's insurance requirements. Drivers must also follow several other important coverage rules and regulations.

In Oregon, drivers with severe violations must file an SR-22 to prove they have minimum coverage. This requirement lasts 3 to five years, depending on the offense. While an SR-22 costs more, cheap car insurance options are available for these drivers.

Below are frequently asked questions about SR-22 certifications in Oregon:

MoneyGeek analyzed hundreds of thousands of quotes across Oregon to determine the average cost of car insurance premiums for drivers with various profiles that would likely need an SR-22. All data was sourced from Quadrant Information Services and extrapolated by our team to give you personalized recommendations for your specific profile.

Oregon SR-22 Driver Profile

We collected data for a sample driver with the following attributes and modified it to other common profiles for those needing an SR-22:

• 40-year-old male
• Driving record with a DUI
• 2012 Toyota Camry LE
• 12,000 miles driven annually
• Suspended license
• Single
• No claims history

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Oregon's minimum coverage requirements, with the following limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $25,000 property damage liability per accident

We based our analysis for full coverage quotes that include comprehensive and collision protection on these coverage amounts with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Our Best SR-22 Company Rating Methodology

We rated all companies based on the following rating scale:

• Affordability (60% of score): We analyze premium costs by gathering quotes across multiple driver profiles and comparing pricing against regional competitors. This substantial weight reflects the primary concern most consumers have when selecting insurance coverage.
• Customer experience (30% of score): Our customer service evaluation includes Google reviews, J.D. Power scores, AM Best financial ratings, and consumer feedback from Reddit discussions. We check these different sources to see how companies really perform for their customers.
• Coverage options (10% of score): We evaluate the breadth and depth of available coverage types, examining both the quantity of options and the distinctiveness of specialized benefits or unique features each provider offers.

Learn more about MoneyGeek's car insurance methodology.