Understanding SR-22 insurance in Oregon

An SR-22 is required to reinstate your license after it’s been suspended. In some cases, you might need an SR-22 even though you don’t own a car or if you need to register a car while still under suspension. There are several forms of SR-22 filings available in Oregon:

  • Operator
  • Owner
  • Owner-operator

If you need to reinstate your license but don’t own a car, you need to purchase non-owner car insurance to get the SR-22 filed.

How long do you need an SR-22 in Oregon?

The average length of an SR-22 requirement is three years. If you need the SR-22 for a longer period, you’ll be informed by the DMV or the court.

If you fail to maintain an insurance policy throughout your SR-22 period, the insurance company will inform the Oregon DMV of the lapse in coverage. A lapse will result in an extension of the SR-22 insurance duration.

Further serious moving violations during the SR-22 period may also result in an extension of the SR-22 requirement.

Reasons for requiring SR-22 insurance in Oregon

An SR-22 is required in Oregon for several reasons. They include:

  • Driving under the influence of intoxicants (DUII)
  • Driving without insurance
  • Being involved in an at-fault accident while uninsured
  • Too many points on your license
  • Reckless driving

You will be informed by the DMV or the court handling your conviction of any SR-22 insurance requirements.

How much is SR-22 insurance in Oregon?

The cost of insurance with an SR-22 will vary depending on the violation that resulted in the need for an SR-22. The insurance company will usually charge you a filing fee of between $25 and $50. On top of that, your insurance rates will go up. Here are a few examples:

  • The average cost of DUII first offense and SR-22 insurance in Oregon is $2,283 per year
  • The average cost of DUII second offense and SR-22 insurance in Oregon is $3,074 per year 
  • The average cost of insurance with an SR-22 in Oregon after a reckless driving conviction is $2,430 per year
  • The average cost of driving without insurance and SR-22 in Oregon is $1,843 per year

The main factors affecting SR-22 insurance cost in Oregon are the violation and what else is on your driving record. The cost of insurance for multiple traffic violations and SR-22 insurance or at-fault accidents on your record will skyrocket. 

How much you pay for insurance with an SR-22 will also depend on:

  • The type of car you drive
  • Where you live
  • How you use your car
  • Your coverage limits

Minimum coverage limits are the cheapest but may not provide enough coverage. "Minimum coverage limits are just that; the absolute minimum you’re required to carry, but perhaps insufficient to adequately protect you in the event of an accident. You should carefully review the amount of coverage you’re being quoted and determine whether it offers the protection you need," says Rick Kautzer, director of product management at Dairyland Insurance, an insurer offering SR-22 filings.

Average cost of SR-22 insurance in Oregon by violation

Below are average car insurance rates for three violations requiring an SR-22.

ViolationAverage annual premium
DUII first offense$2,283
DUII second offense$3,074
Reckless driving$2,430
Driving without insurance$1,843

Average SR-22 insurance cost in Oregon for different violations

See the tables below to compare rates from top companies for an SR-22 with various violations.

SR-22 insurance cost by company for DUII, first offense

Below are average car insurance rates by company for a first offense DUII that requires an SR-22.

CompanyAvg. annual premiumAvg. monthly premium
State Farm$1,350$112
Progressive$1,821$152
USAA*$1,880$157
Auto-Owners$1,993$166
American Family$2,172$181
Travelers$2,240$187
Geico$2,288$191
Allstate$2,521$210
Farmers$2,531$211
Nationwide$2,643$220
Kemper$3,671$306

*USAA offers car insurance only to military members, veterans and their families

SR-22 insurance cost by company for DUII, second offense

Below are average car insurance rates by company for a second offense DUII that requires an SR-22.

CompanyAvg. annual premiumAvg. monthly premium
State Farm$1,350$112
USAA*$2,374$198
American Family$2,531$211
Auto-Owners$2,767$231
Geico$2,919$243
Progressive$3,163$264
Travelers$3,303$275
Allstate$3,480$290
Farmers$3,704$309
Nationwide$3,712$309
Kemper$4,516$376

*USAA offers car insurance only to military members, veterans and their families

SR-22 insurance cost by company for reckless driving 

Below are average car insurance rates by company for reckless driving with an SR-22.

CompanyAvg. annual premiumAvg. monthly premium
State Farm$1,350$112
USAA*$1,768$147
Auto-Owners$1,993$166
Travelers$2,240$187
Progressive$2,323$194
Allstate$2,521$210
Geico$2,523$210
Nationwide$2,643$220
American Family$2,758$230
Farmers$2,935$245
Kemper$3,671$306

*USAA offers car insurance only to military members, veterans and their families

SR-22 insurance cost by company for driving without insurance

Below are average car insurance rates by company for driving without insurance with an SR-22.

CompanyAvg. annual premiumAvg. monthly premium
Geico$1,179$98
State Farm$1,350$112
USAA*$1,449$121
Nationwide$1,590$132
Auto-Owners$1,638$137
Allstate$1,889$157
Travelers$1,910$159
Progressive$2,125$177
American Family$2,172$181
Kemper$2,342$195
Farmers$2,626$219

*USAA offers car insurance only to military members, veterans and their families

Tips to lower SR-22 insurance costs in Oregon

Because the need for an SR-22 follows a major violation, car insurance after an SR-22 is expensive. The good news is that many methods for getting cheaper car insurance still apply after an SR-22. They include:

  • Raising your deductible
  • Working to improve your driving record (and avoid any further tickets or accidents)
  • Discounts, including for bundling your auto and home  insurance
  • Usage-based programs that monitor your driving habits in return for a discount
  • Shopping around

Shopping around is the quickest and easiest way to get cheaper Oregon car insurance, even with an SR-22.

Frequently asked questions: Oregon SR-22 insurance

What happens if I fail to maintain SR-22 insurance in Oregon?

If your insurance lapses, the insurance company will report it to the DMV. Your license will be suspended or even revoked permanently.

Can I switch insurance providers while I have an SR-22 filing?

Yes. Switching insurance providers with an SR-22 filing is permitted. Just make sure there is no lapse in coverage and that the new insurance company files the SR-22 form.