Cheapest SR-22 Car Insurance in Oregon (2023)
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, Content DirectorYou can find the cheapest rates for SR-22 insurance in Oregon from State Farm and Progressive, which charge $433 and $572 per year, respectively, for minimum coverage. Non-owner drivers can get the most affordable premiums with State Farm and Travelers, which offer annual rates of $526 and $735, respectively.
Drivers with DUIs and at-fault accidents on their records may need to file SR-22 forms. While submitting an SR-22 document itself does not directly impact premiums, the violations that necessitate the filing of this form can influence your rates.
Cheapest Companies for SR-22 Car Insurance in Oregon
Cheapest Companies for SR-22 Car Insurance in Oregon
If you have a DUI on your driving record, the most affordable companies for SR-22 insurance policies in Oregon are:
- State Farm: $433 per year
- Progressive: $572 per year
The cheapest full coverage SR-22 auto insurance carriers are:
- State Farm: $791 per year
- American Family: $1,100 per year
Motorists with violations on their records generally face higher auto insurance premiums as providers perceive them as a higher risk to insure. However, finding more affordable options is possible if you compare quotes from multiple companies. The table below shows how the cost of affordable SR-22 car insurance coverage in Oregon varies from $433 to $1,578.
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What Is SR-22 in Oregon?
The SR-22 is a form that drivers must file if they have serious violations on their records. It serves as a certificate of financial responsibility and is not a form of insurance itself. Filing an SR-22 does not automatically impact your auto insurance rates, but the violations that necessitate the filing can lead to increased costs. Some common reasons for filing the SR-22 form include the following:
- Receiving DUI, DWI or other serious traffic violation convictions
- Several traffic offenses during a short period
- Driving while uninsured
- Getting into an accident without sufficient insurance
- Renewing a license that has been revoked or suspended
The typical duration for filing an SR-22 in Oregon is three years. However, depending on the severity of the violation, the period may be extended beyond the initial term. Auto insurance companies are responsible for filing the SR-22 form with the Oregon DMV on behalf of their customers who require it. The impact on your premiums will depend on the underwriting processes of your insurance provider.
Once you have met your SR-22 financial responsibility requirement in Oregon, your insurance company must submit an SR-26 form to the state. This form serves as a notification that you have completed the mandatory SR-22 filing period.
Cheapest Companies for Non-Owner SR-22 Car Insurance in Oregon
The cheapest non-owner auto insurance options for drivers in Oregon who need to file SR-22 forms are:
- State Farm: $526 per year
- Travelers: $735 per year
USAA is recognized as a top choice for military members, and its non-owner SR-22 auto insurance is priced at $620 per year.
In some situations, drivers who do not own a vehicle may still need to file SR-22 forms. These include cases where individuals are seeking to reinstate their driving privileges or applying for a hardship/probationary permit from the state.
The table below highlights the companies that provide the most affordable non-owner SR-22 insurance in Oregon and their rates. You'll notice they vary between $526 and $1,145 per year.
Non-owner auto insurance provides liability coverage for injuries to others and property damage in an at-fault accident, but it does not cover you or your own vehicle. Renters, professional motorists and rideshare drivers who need to file an SR-22 form should consider looking at what this type of auto insurance offers. We found the most affordable non-owner car insurance in Oregon to help simplify the process for you.
Average Cost of SR-22 Car Insurance in Oregon
If you have a DUI and need to file an SR-22 in Oregon, you'll pay around $936 more per year for minimum coverage. If you want a full coverage policy, the average increases to $1,658. Other driving violations like speeding and at-fault accidents might also require you to file an SR-22 form.
Driving violations tend to affect auto insurance rates because insurance providers view drivers with violations as riskier to insure when compared to those with clean records.
If you need to file an SR-22 form, comparing insurance rates each time your policy is due for renewal is ideal. Insurance costs are subject to change, so analyzing alternative rates can help you find the cheapest SR-22 insurance in Oregon.
How SR-22 Affects Car Insurance Rates in Oregon
In Oregon, the average cost of minimum coverage auto insurance increases by $294 after you file an SR-22 form. How much an SR-22 will increase your insurance premium depends on your violation’s severity and driving history.
While a DUI on your record is a common reason to submit an SR-22, there are other instances where you may also need to file one, such as driving without insurance, owning an uninsured vehicle involved in an accident, reinstating your driving privileges or applying for a probationary or hardship permit.
Car Insurance Rate Comparison Based on Driving Records in Oregon
Annual Premium for Minimum Coverage
$642Annual Premium for Minimum Coverage
$936This is 46% more expensive.
Other Effects of SR-22 on Car Insurance in Oregon
Filing an SR-22 form increases premiums and limits your options for auto insurance coverage. It can potentially lead to the cancellation of your existing policy and comes with additional drawbacks to consider.
Limited number of insurance options
Due to the perceived risk associated with drivers who need to submit SR-22 forms, not all auto insurers offer coverage, resulting in a significant limitation of options when searching for insurance.
Possible policy cancellation
If you need to file an SR-22 form, your current insurance company may cancel your policy before its expiration.
Length of required filing
Oregonians usually need to keep an SR-22 on file for three years. You might need to have it filed for longer, depending on the severity of your traffic offense.
Filing fees
As part of Oregon's requirements, you'll typically have to pay a one-time fee of $25 to file an SR-22 form.
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How to Get SR-22 Insurance in Oregon
Oregon drivers with SR-22 filings can find adequate auto insurance by taking the following measures:
- Search for insurance companies that offer policies for drivers with violations.
- Evaluate your alternatives based on premium costs, claims denial rates and customer satisfaction.
- Select a policy that adheres to Oregon’s minimum liability requirements.
- Make sure your insurer files an SR-22 form on your behalf.
- Pay the filing fee and ensure that your SR-22 form stays current.
By following these steps, you'll actively demonstrate your dedication to accepting accountability for your driving record and ensuring that you possess the appropriate insurance coverage, which will be evident to the relevant authorities.
To reinstate your license in Oregon, you will have to pay a reinstatement fee of $75 to the DMV. The fee price is subject to change, so you should check with your local DMV to ensure you have the most recent information.
How to Get Cheaper Car Insurance in Oregon After a DUI
Oregon drivers with DUIs should expect to pay more than those with clean histories. However, finding affordable SR-22 insurance is still possible if you compare your options thoroughly, attend DUI education classes and maintain safe driving behaviors.
Compare quotes immediately
Finding cheap SR-22 insurance in Oregon after a DUI conviction requires obtaining quotes from several companies. We highly recommend comparison shopping because the costs of SR-22 car insurance can vary significantly among different insurers.
Complete DUI classes or programs
Alcohol & Other Drug Screening Specialists (ADSS) in Oregon’s courts conduct screening interviews for individuals with DUII violations. After the interview, you receive a list of certified DUII Services Providers. The Oregon Health Authority offers information about DUII Services programs that may benefit those dealing with a violation conviction. Attending these classes may decrease the possibility of future traffic infractions. An improved perception of your risk level can lead to lower rates as insurers consider your driving record when determining premiums.
Look for discounts
Drivers with violations on their records usually don't qualify for safe-driver discounts, but they might be eligible for bundling, military, student, senior or low-mileage savings.
Practice safe driving
After receiving a DUI, it's crucial to prioritize safe and responsible driving to avoid any further violations. Reducing your driving distances or the time you spend on the road can help lower your risk level.
Shop rates over time
The most affordable SR-22 insurance company in Oregon can vary over time due to changing prices. We strongly advise comparing quotes from different companies each time you need to renew your policy.
If you have a history of violations and are considered a high-risk driver, non-standard auto insurance may be suitable. Although it is usually more expensive, it can provide coverage if you do not qualify for conventional insurance.
Frequently Asked Questions About SR-22 Insurance in Oregon
We've answered some commonly asked questions about SR-22 insurance in Oregon to help you get a better sense of how to find the cheapest options.
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sources
- Oregon Department of Transportation. "What is an SR-22 Certificate?." Accessed June 27, 2023.
- Oregon Driver and Motor Vehicle Services. "Suspensions, Revocations and Cancellations." Accessed June 27, 2023.
- Oregon Health Authority. "Driving Under the Influence of Intoxicants (DUII)." Accessed June 9, 2023.