Cheapest SR-22 Car Insurance in Oregon (2023)

You 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.

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.

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• Renewing a license that has been revoked or suspended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.

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.

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.

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.

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.

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.

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.

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.