SR-22 Insurance in Oregon
Oregon requires SR-22 insurance for 3 years after qualifying offenses. You must carry at least $25,000/$50,000 bodily injury and $20,000 property damage coverage. Common triggers include duii conviction, reckless driving, driving without insurance. Oregon uses the term DUII (Driving Under the Influence of Intoxicants). Also requires PIP, UM, and UIM coverage.
Last updated:
Overview
The Oregon DMV requires an SR-22 form to get back on the road after a major offense. This certificate guarantees the state that the driver has the minimum coverage, which includes $25,000/$50,000 bodily injury and $20,000 property damage.
Key Facts
Minimum Coverage Requirements
What Triggers SR-22 Requirement
- DUII conviction
- Reckless driving
- Driving without insurance
- License suspension or revocation
Cost
How to File
Contact Your Insurance Provider
Call your current auto insurance company and request an SR-22 filing. Not all insurers offer SR-22 — if yours doesn't, you'll need to find a new provider. Compare quotes from multiple companies to find the best rate.
Purchase Required Coverage
Ensure your policy meets Oregon's minimum requirements: $25,000/$50,000 bodily injury and $20,000 property damage. You'll also need PIP coverage. UM/UIM coverage is also required.
Insurer Files SR-22 with the State
Your insurance company electronically files the SR-22 certificate with the Oregon DMV/motor vehicle agency. This usually takes 1-3 business days. You'll receive a confirmation copy.
Apply for License Reinstatement
Once the SR-22 is on file, complete your license reinstatement process including paying the reinstatement fee and any outstanding fines or court costs.
Maintain Continuous Coverage for 3 years
Keep your SR-22 insurance active for the full required period of 3 years without any lapses. Set up autopay to avoid missed payments. If your policy lapses, your insurer will notify the state and your license may be re-suspended.
What Happens If Coverage Lapses
If your SR-22 insurance lapses in Oregon, your insurer is required to notify the state DMV by filing an SR-26 form. This will likely result in immediate license suspension, potential fines, and a restart of the full SR-22 filing period (3 years). Avoid any gaps in coverage by setting up automatic payments.
Important Notes
Oregon uses the term DUII (Driving Under the Influence of Intoxicants). Also requires PIP, UM, and UIM coverage.
Frequently Asked Questions
- How long do I need SR-22 insurance in Oregon?
- In Oregon, you typically need to maintain SR-22 insurance for 3 years. The clock starts from the date your SR-22 is filed with the state. Any lapse in coverage may reset this timeline.
- How much does SR-22 insurance cost in Oregon?
- The SR-22 filing fee itself is typically $15-$50. However, the real cost is the insurance premium increase — expect to pay $300-$800+ more per year than standard rates. Total additional cost over the filing period is typically $1,000-$3,000+. Shop around and compare quotes to find the best rate.
- What triggers SR-22 requirement in Oregon?
- Common triggers include: DUII conviction, Reckless driving, Driving without insurance, License suspension or revocation. The specific requirement depends on the offense and may be determined by the court or DMV.
- What happens if my SR-22 lapses in Oregon?
- If your SR-22 policy lapses, your insurance company is required to notify the Oregon DMV. Your license will likely be re-suspended, and you may need to restart the entire SR-22 filing period from the beginning. You could also face additional fines and penalties.
- What are Oregon's minimum coverage requirements for SR-22?
- Oregon requires minimum coverage of $25,000 per person / $50,000 per accident for bodily injury and $20,000 for property damage. PIP (Personal Injury Protection) is also required. UM/UIM coverage is also required.
Video Guides
Take Action — Direct Links
- Oregon DMV — License Reinstatement
Official information about license reinstatement requirements in Oregon, including SR-22 filing instructions.
- Oregon Minimum Insurance Requirements
Insurance Information Institute — Oregon minimum coverage: $25,000/$50,000/$20,000.
- Compare SR-22 Insurance Quotes
Compare SR-22 insurance quotes from multiple providers to find the best rate.
More for Oregon
Suspension periods, IID requirements, penalties, and step-by-step reinstatement process.
Reinstatement fees, restricted license options, IID requirements, and timeline.
Related Guides
Related Resources on This Site
More for your state
- HousingSecond chance apartments in Portland, OR
- ExpungementOregon expungement guide
- Voting RightsFelon voting rights in Oregon
- Gun RightsFelon gun rights in Oregon
- DUI RecoveryDUI license recovery in Oregon
- ProbationProbation & parole in Oregon
- License ReinstatementLicense reinstatement in Oregon
- Documents & IDID & documents in Oregon
Helpful guides
- HealthFree mental health services
- ProbationProbation violations — what happens?
- TransportationHow much does a DUI cost?
- Background ChecksHow much does a background check cost?