Cheapest SR-22 Car Insurance in Oregon

State Farm offers the cheapest SR-22 insurance in Oregon at $55 monthly for minimum coverage, 40% less than the state average of $92. For full coverage, American Family leads at $96.

State Farm offers the cheapest non-owner SR-22 insurance in Oregon at $44 monthly or $526 annually. Non-owner insurance helps drivers meet state minimum coverage requirements without owning a vehicle.

The table shows providers and their average costs for minimum coverage.

The average cost of car insurance in Oregon for drivers with an SR-22 is $1,109 annually for minimum coverage — 38% more than the $806 average for clean-record drivers.

For full coverage, SR-22 drivers pay around $1,964 per year, 40% higher than the $1,404 average for those with clean records.

Having an SR-22 form doesn't raise your insurance rate by itself. The type of violation affects costs. The table below compares the price of SR-22 insurance in Oregon for common violations across age groups.

An SR-22 isn't insurance; it’s proof that you have a policy meeting Oregon’s minimum coverage requirements. Drivers with certain violations must file it to reinstate their licenses. Since insurers view SR-22 filers as high-risk, they typically face higher premiums.

An SR-22, also called an SR-22 bond or certificate of financial responsibility, is often mistaken for an insurance policy. It's a certification your insurer files to confirm that you have enough insurance to meet the reinstatement requirements of Oregon's Financial Responsibility law.

In Oregon, an SR-22 is required for three years following a serious traffic violation. It certifies that you meet the state's minimum coverage requirements. To comply, drivers must adhere to the following:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $20,000 property damage liability per accident
• $25,000 underinsured/uninsured motorist coverage per person
• $50,000 underinsured/uninsured motorist coverage per accident
• $15,000 personal injury protection per person

In Oregon, SR-22 certificates are usually required for three years.

Along with using an SR-22 for three years to comply with Oregon's minimum coverage laws, drivers must follow these other rules:

• Fees: You must pay a fee to regain driving privileges and file the SR-22 form to prove liability coverage.
• Insurers' policies: After an SR-22 filing, your current insurer may cancel or refuse to renew your policy, requiring you to find a new provider.
• Continuous coverage: You must maintain uninterrupted coverage during the three-year SR-22 period. Lapses can result in penalties or license suspension, as insurers must notify the state of coverage gaps.
• Relocation: If you move out of Oregon during the SR-22 period, coordinate with your insurer for out-of-state filing.
• Cancellation: After completing the three-year requirement, your insurer must file a financial responsibility cancellation with the state, confirming you’ve fulfilled the SR-22 obligation.

To avoid penalties and reinstate your license after a serious violation, keep coverage for the entire SR-22 period. You'll need an SR-22 insurance quote if you don't have coverage. Finding insurance with an SR-22 can be tricky. Insurers may cancel your policy or deny you coverage when you file.

High-risk drivers in Oregon might find fewer companies offering coverage, leading to higher premiums and limited choices. When getting an SR-22 insurance quote, check with your insurer for the exact fee if filing for the first time. Use these tips to find cheaper SR-22 insurance:

Non-owner insurance covers people who drive frequently but don’t own a vehicle. It financially protects you when driving someone else’s car, covering third-party injuries or property damage if you cause an accident. These policies are also useful for those renting cars or driving for rideshare services.

Non-owner policies are usually more affordable than standard ones. Comparing quotes from different insurers can help you find the best rates. Once you purchase a policy, your insurer can file an SR-22 form to help you meet state requirements, allowing license reinstatement after three years.

Drivers with serious offenses must file an SR-22 to meet the state’s minimum coverage requirements. This form is required for three years after major or repeated violations. While an SR-22 typically costs more, cheap car insurance options in Oregon are available for these drivers.

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

MoneyGeek analyzed 127,836 quotes from nine companies across 258 ZIP codes to determine the average cost of car insurance premiums for Oregon drivers with various profiles and needs.

Oregon Driver Profile

We collected data for a sample driver with the following attributes:

• 40-year-old male
• Driving record with a DUI or an at-fault accident causing $1,000 to $1,999 in property damage
• 2012 Toyota Camry LE
• 12,000 miles driven annually

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
• $20,000 property damage liability per accident
• $25,000 underinsured/uninsured motorist coverage per person
• $50,000 underinsured/uninsured motorist coverage per accident
• $15,000 personal injury protection (PIP) per person

For the most affordable policy with comprehensive and collision coverage — also called full coverage — we used the following limits 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

Learn more about MoneyGeek's car insurance methodology.