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Cheapest SR-22 Car Insurance in Oregon (2023)


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Updated: Oct 26, 2023
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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.

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2023

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:

The cheapest full coverage SR-22 auto insurance carriers are:

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.

Company
Annual Premium
Monthly Premium

State Farm

$360

$30

State Farm

$381

$32

Country Financial

$395

$33

Country Financial

$398

$33

State Farm

$408

$34

State Farm

$408

$34

State Farm

$411

$34

State Farm

$433

$36

State Farm

$433

$36

GEICO

$459

$38

State Farm

$468

$39

State Farm

$468

$39

State Farm

$484

$40

GEICO

$488

$41

Capital Insurance Group

$497

$41

Progressive

$497

$41

Travelers

$512

$43

State Farm

$514

$43

Country Financial

$515

$43

Progressive

$515

$43

Country Financial

$524

$44

Country Financial

$527

$44

Travelers

$535

$45

Progressive

$536

$45

Capital Insurance Group

$540

$45

Capital Insurance Group

$550

$46

Nationwide

$555

$46

State Farm

$556

$46

Travelers

$568

$47

Progressive

$572

$48

Nationwide

$578

$48

GEICO

$582

$49

Capital Insurance Group

$596

$50

Country Financial

$597

$50

Capital Insurance Group

$601

$50

Progressive

$606

$50

Country Financial

$617

$51

Progressive

$620

$52

Country Financial

$620

$52

Kemper

$622

$52

Progressive

$626

$52

Country Financial

$627

$52

American Family

$639

$53

American Family

$640

$53

Kemper

$647

$54

Capital Insurance Group

$651

$54

Capital Insurance Group

$654

$54

State Farm

$656

$55

Farmers

$657

$55

Progressive

$668

$56

Progressive

$673

$56

GEICO

$681

$57

Country Financial

$687

$57

Capital Insurance Group

$690

$57

Kemper

$697

$58

Travelers

$697

$58

Nationwide

$704

$59

State Farm

$706

$59

American Family

$709

$59

Travelers

$712

$59

Nationwide

$712

$59

Nationwide

$715

$60

Nationwide

$727

$61

Travelers

$732

$61

State Farm

$736

$61

State Farm

$736

$61

Capital Insurance Group

$740

$62

Nationwide

$742

$62

Travelers

$748

$62

Country Financial

$748

$62

Travelers

$755

$63

GEICO

$755

$63

American Family

$756

$63

American Family

$756

$63

American Family

$757

$63

American Family

$757

$63

Capital Insurance Group

$763

$64

Farmers

$769

$64

Country Financial

$770

$64

American Family

$776

$65

Farmers

$776

$65

American Family

$776

$65

Kemper

$776

$65

Nationwide

$783

$65

GEICO

$788

$66

Country Financial

$790

$66

State Farm

$791

$66

State Farm

$791

$66

Travelers

$796

$66

Kemper

$803

$67

State Farm

$813

$68

Country Financial

$816

$68

Progressive

$821

$68

Nationwide

$824

$69

Travelers

$825

$69

Capital Insurance Group

$830

$69

Farmers

$838

$70

Travelers

$842

$70

GEICO

$843

$70

American Family

$843

$70

American Family

$843

$70

Nationwide

$852

$71

State Farm

$859

$72

Allstate

$862

$72

American Family

$863

$72

Allstate

$864

$72

GEICO

$864

$72

Kemper

$868

$72

Kemper

$868

$72

Progressive

$878

$73

American Family

$890

$74

Progressive

$892

$74

Travelers

$895

$75

Nationwide

$905

$75

Kemper

$905

$75

State Farm

$914

$76

State Farm

$914

$76

Farmers

$918

$76

State Farm

$924

$77

American Family

$925

$77

Allstate

$932

$78

GEICO

$940

$78

Travelers

$942

$78

Farmers

$944

$79

Travelers

$945

$79

Capital Insurance Group

$966

$80

Allstate

$967

$81

Nationwide

$970

$81

Country Financial

$970

$81

Allstate

$971

$81

GEICO

$971

$81

Farmers

$979

$82

Nationwide

$981

$82

Kemper

$984

$82

GEICO

$1,000

$83

Country Financial

$1,002

$83

Farmers

$1,006

$84

Nationwide

$1,013

$84

American Family

$1,015

$85

Progressive

$1,017

$85

Country Financial

$1,022

$85

Farmers

$1,026

$85

Nationwide

$1,037

$86

Allstate

$1,050

$88

Progressive

$1,051

$88

Allstate

$1,052

$88

Allstate

$1,052

$88

American Family

$1,056

$88

American Family

$1,056

$88

Nationwide

$1,057

$88

Nationwide

$1,060

$88

Farmers

$1,064

$89

State Farm

$1,069

$89

Capital Insurance Group

$1,071

$89

Nationwide

$1,083

$90

Travelers

$1,095

$91

American Family

$1,098

$91

American Family

$1,100

$92

American Family

$1,100

$92

GEICO

$1,107

$92

Country Financial

$1,108

$92

Country Financial

$1,113

$93

GEICO

$1,116

$93

Farmers

$1,125

$94

Country Financial

$1,125

$94

Farmers

$1,138

$95

American Family

$1,141

$95

Allstate

$1,146

$96

Kemper

$1,163

$97

Farmers

$1,166

$97

Country Financial

$1,169

$97

GEICO

$1,178

$98

Allstate

$1,180

$98

Allstate

$1,188

$99

Capital Insurance Group

$1,196

$100

American Family

$1,212

$101

American Family

$1,212

$101

Nationwide

$1,225

$102

Kemper

$1,225

$102

Progressive

$1,230

$102

Progressive

$1,231

$103

Nationwide

$1,246

$104

Progressive

$1,249

$104

Kemper

$1,253

$104

American Family

$1,261

$105

Capital Insurance Group

$1,272

$106

Farmers

$1,274

$106

Allstate

$1,297

$108

Travelers

$1,303

$109

Nationwide

$1,304

$109

Country Financial

$1,312

$109

Allstate

$1,324

$110

Farmers

$1,349

$112

Travelers

$1,357

$113

Travelers

$1,358

$113

GEICO

$1,359

$113

Capital Insurance Group

$1,385

$115

Travelers

$1,389

$116

Allstate

$1,392

$116

Progressive

$1,393

$116

Allstate

$1,406

$117

Dairyland

$1,415

$118

Progressive

$1,416

$118

Capital Insurance Group

$1,418

$118

Travelers

$1,419

$118

GEICO

$1,423

$119

Progressive

$1,427

$119

Kemper

$1,433

$119

Country Financial

$1,436

$120

Kemper

$1,446

$121

Travelers

$1,448

$121

Nationwide

$1,491

$124

Kemper

$1,495

$125

Farmers

$1,501

$125

Dairyland

$1,513

$126

Travelers

$1,517

$126

Country Financial

$1,520

$127

Kemper

$1,528

$127

Dairyland

$1,529

$127

Allstate

$1,531

$128

Capital Insurance Group

$1,533

$128

Capital Insurance Group

$1,545

$129

Kemper

$1,566

$130

Nationwide

$1,570

$131

Dairyland

$1,578

$131

GEICO

$1,579

$132

Progressive

$1,582

$132

Travelers

$1,586

$132

Dairyland

$1,597

$133

Kemper

$1,605

$134

Allstate

$1,612

$134

GEICO

$1,612

$134

Travelers

$1,614

$135

Kemper

$1,623

$135

Capital Insurance Group

$1,627

$136

Allstate

$1,632

$136

Farmers

$1,639

$137

Farmers

$1,650

$138

Farmers

$1,667

$139

Kemper

$1,682

$140

Allstate

$1,691

$141

Farmers

$1,698

$141

Capital Insurance Group

$1,714

$143

Dairyland

$1,715

$143

GEICO

$1,728

$144

Dairyland

$1,737

$145

Dairyland

$1,743

$145

Kemper

$1,746

$146

Allstate

$1,785

$149

Dairyland

$1,788

$149

Farmers

$1,790

$149

Dairyland

$1,790

$149

Progressive

$1,798

$150

Allstate

$1,811

$151

Nationwide

$1,814

$151

Farmers

$1,841

$153

Farmers

$1,852

$154

Progressive

$1,868

$156

Dairyland

$1,882

$157

Allstate

$1,886

$157

Farmers

$1,897

$158

GEICO

$1,918

$160

Dairyland

$1,937

$161

GEICO

$1,983

$165

Allstate

$1,983

$165

Capital Insurance Group

$1,994

$166

Progressive

$2,021

$168

Allstate

$2,024

$169

Capital Insurance Group

$2,209

$184

GEICO

$2,212

$184

Dairyland

$2,272

$189

GEICO

$2,285

$190

Dairyland

$2,440

$203

Capital Insurance Group

$2,449

$204

Dairyland

$2,504

$209

Dairyland

$2,588

$216

Dairyland

$2,603

$217

GEICO

$2,627

$219

Kemper

$2,675

$223

Dairyland

$2,737

$228

Dairyland

$2,791

$233

Dairyland

$2,795

$233

Kemper

$2,805

$234

Dairyland

$2,878

$240

Dairyland

$2,885

$240

Kemper

$2,898

$241

Dairyland

$3,045

$254

Dairyland

$3,142

$262

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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.

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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:

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.

Company
Annual Premium
Monthly Premium

State Farm

$433

$36

GEICO

$502

$42

State Farm

$526

$44

Travelers

$534

$45

Kemper

$549

$46

Progressive

$605

$50

Travelers

$735

$61

Kemper

$768

$64

Farmers

$806

$67

GEICO

$818

$68

Nationwide

$947

$79

Progressive

$1,043

$87

Nationwide

$1,048

$87

Farmers

$1,145

$95

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WHAT IS NON-OWNER CAR INSURANCE?

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.

Driving Record
Annual Premium
Monthly Premium

Ticket

$845

$70

At-Fault Accident

$949

$79

Ticket

$787

$66

At-Fault Accident

$1,755

$146

DUI

$1,658

$138

Clean

$1,284

$107

DUI

$1,862

$155

Clean

$1,107

$92

Clean

$629

$52

Ticket

$818

$68

Ticket

$1,566

$130

At-Fault Accident

$1,584

$132

Ticket

$1,404

$117

At-Fault Accident

$891

$74

DUI

$1,704

$142

DUI

$936

$78

DUI

$1,011

$84

Clean

$636

$53

At-Fault Accident

$935

$78

At-Fault Accident

$1,618

$135

Clean

$698

$58

Clean

$1,087

$91

Ticket

$1,422

$118

DUI

$986

$82

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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

carInsurance
Clean Driving Record

Annual Premium for Minimum Coverage

$642
accident2
After a DUI

Annual Premium for Minimum Coverage

$936
Car insurance premiums after a DUI are on average: :$294 more

This 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.

1

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.

2

Possible policy cancellation

If you need to file an SR-22 form, your current insurance company may cancel your policy before its expiration.

3

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.

4

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.

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OREGON LICENSE REINSTATEMENT FEE

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.

  • find icon

    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.

  • car icon

    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.

  • coins2 icon

    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.

  • seatbelt icon

    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.

  • calendar icon

    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.

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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.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


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