Oregon SR-22 Insurance: What It Is and How Much It Costs

If you are a driver in Oregon and you get a high-risk traffic violation such as reckless driving or driving under the influence (DUI), you’ll need to get SR-22 insurance. Your insurer must file an SR-22 form to prove your policy meets Oregon’s minimum car insurance requirements. SR-22 insurance policies are identical to standard car insurance policies, except that committing a traffic violation makes SR-22 premiums significantly higher. MoneyGeek’s research shows that the most affordable SR-22 car insurance provider in Oregon is USAA, with an average annual cost of $778, followed by Progressive at $779 annually.

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Advertising & Editorial DisclosureLast Updated: 12/1/2022
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Which Oregon Insurance Companies Offer the Cheapest SR-22 Insurance?

Insurance providers often charge higher premiums for SR-22 insurance than standard car insurance coverage because SR-22 filers have a history of driving offenses and are at a higher risk to insure. While drivers pay a small one-time fee to have their forms filed, the high costs associated with an SR-22 are related to high-risk incidents.

How much does SR-22 insurance cost in Oregon? The average minimum SR-22 insurance cost in Oregon is $1,177 per year with a DUI violation. Meanwhile, standard car insurance coverage without SR-22 costs only $771.

If you’re looking for affordable SR-22 insurance in Oregon, you’ll find many relatively affordable options. Based on MoneyGeek’s findings, the cheapest SR-22 insurance providers in the state were USAA and State Farm, with an average annual cost of $778 and $779, respectively.

Cheapest Companies for SR-22 Insurance in Oregon

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The above costs are for a policy that fulfills Oregon’s minimum car insurance obligations or full coverage with $100,000 bodily injury liability coverage per person, $300,000 per accident coverage and $100,000 property damage coverage.

Several factors may also impact [average car insurance costs in Oregon](https://www.moneygeek.com/insurance/auto/average-cost-car-insurance-oregon/), such as the cost of filing the SR-22 form, the associated driving offense and the loss of discounts. If you’re exploring cheap SR-22 insurance options in Oregon, comparing no less than three different providers can help you find the most affordable rates.

If you'd rather have a balance between quality and price, you can also shop for the top-rated car insurance companies in Oregon.

Key Takeaways


One of the requirements for getting SR-22 insurance in Oregon is a one-time filing fee of about $25.


With a clean driving record, you can always find good driver discount options that help you save on your premium. Once you file for an SR-22, you may no longer be eligible for such discounts.


SR-22 insurance rates vary depending on the severity of the violation. Drivers with a DUI, for example, may need to pay less than drivers with a hit-and-run.

What Is SR-22 Insurance in Oregon? Who Needs It? How Do You Get It?

SR-22 is not an insurance policy but a form that your insurer uses to prove your insurance coverage meets your state’s minimum liability coverage prerequisites. SR-22 insurance is a mandatory requirement in Oregon if you have committed a serious violation such as a DUI or reckless driving. Your insurer files the form on your behalf. If you do not obtain an SR-22 when you need to, your driving license will get suspended. SR-22 insurance rates after a DUI are often higher than when you have a clean driving record.

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Oregon drivers who need to file an SR-22 must first prove that they meet the state’s minimum auto insurance requirements, which are as follows:

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

Read more with MoneyGeek's Oregon car insurance resources or estimate rates with our Oregon car insurance calculator.

Who Needs SR-22 Insurance in Oregon? And for How Long Do They Need It?

Traffic offenses that warrant an SR-22 vary between states. Drivers from Oregon and other states are required to get the SR-22 insurance if they commit the following violations:

  • Reckless driving
  • DUI
  • Driving without insurance coverage
  • Driving with a suspended license

Generally, Oregon drivers do not need SR-22 for small offenses. If you’re shopping around for insurance after a ticket or accident, you will not be charged the same high rates as drivers who need to file an SR-22.

How long do you need SR-22 insurance in Oregon? For most violations, you’ll need SR-22 insurance for three years. However, this period may be longer depending on the severity of the violation.

How Do You Get SR-22 Insurance in Oregon?

To get SR-22 insurance in Oregon, you will need to inform your insurance provider that you need the form filed with the Oregon Department of Motor Vehicles (DMV). Once you pay the appropriate filing fee, your insurer will file the form directly with the DMV.

Each insurer offers a different rate for SR-22 insurance, and some do not provide SR-22s altogether. In this case, you will need to find an alternative insurance provider, although the rates will be higher than the standard policy coverage.

Non-Owner SR-22 Insurance in Oregon

The cheapest coverage option for drivers in Oregon without a car is non-owner SR-22 car insurance. After a major driving violation in Oregon, your license may be suspended. To get your license reinstated, you may need to file an SR-22 form to verify you have purchased insurance, even if you don’t own a car.

Non-owner car insurance policies are a relatively affordable way to provide proof of liability insurance coverage. This plan is best for someone who needs proof of insurance to get a license or who doesn’t own a car but regularly rents cars or borrows them from family or friends. To get cheap non-owner car insurance, you should compare prices from several providers.

The average cost of a non-owner car insurance policy in Oregon is $759 per year. The cheapest firm for this type of coverage in Oregon is USAA, at $363 annually on average. But this company only serves military personnel and their families. The most affordable option for most drivers is State Farm, with average annual prices of $467.

The Average Cost of Non-Owner SR-22 Car Insurance in Oregon

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MoneyGeek determined rates for non-owner car insurance for drivers with a DUI on their record, buying policies in Oregon covering $50,000 in bodily injury liability per person, $100,000 in bodily injury liability per accident and $50,000 in property damage liability per accident.

FAQs About SR-22 Insurance in Oregon

While looking for SR-22 insurance in Oregon, various questions may arise about the cost, filing process and how to find the best rates within the state. Some of these questions include:

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MoneyGeek analyzed car insurance premiums from 11 of the top insurance companies in Oregon that were provided in partnership with Quadrant. Our analysis includes quotes from ZIP codes across Oregon. Quotes were gathered for policies that meet the state’s minimum coverage requirements and for full coverage policies with $100,000 in bodily injury liability insurance per person, $300,000 in bodily injury liability insurance per accident and $100,000 in property damage liability per accident. Rates are for the same driver with both a clean record and a DUI.

About the Author


Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.