How to Get Non-Owner SR-22 Insurance in Oregon

For those who don’t have a car but need to get SR-22 insurance in Oregon, a non-owner SR-22 policy is the solution.
Written by Amber Reed
Reviewed by Alita Dark
Non-owner SR-22 coverage is a fairly affordable option for those
drivers who need it, but not all insurance providers offer non-owner SR-22s. 

What is SR-22 insurance?

Even though it’s routinely called “
SR-22 insurance
” or “SR-22 coverage,” it’s actually not insurance at all. It’s an official certificate of financial responsibility that your insurance provider files with the Oregon DMV. 
The purpose of an SR-22 is to serve as confirmation that you have car insurance that meets
Oregon’s car insurance laws
. If you’re considered an
at-risk driver
or are attempting to get your driver's license reinstated, you’ll likely need an SR-22. 

Oregon auto insurance requirements

Just about every state has a minimum amount of
liability insurance
that’s needed to be on the road. But Oregon goes a little bit further and also requires all drivers to carry
uninsured motorist coverage
personal injury protection (PIP)
as well. Here’s what’s required:
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Who needs an SR-22?

There are certain violations that require keeping an SR-22 on file in Oregon, and it’s often one of the requirements you’ll need to meet to get your driving privileges reinstated after your
Oregon license is suspended
Here are a few examples of some of the most common reasons you might need an SR-22 in Oregon:
The fee for the SR-22 itself is fairly inexpensive, but you can expect your insurance policy to cost quite a bit more than normal. The good news is,
non-owner car insurance
is generally not too expensive. 

How to get non-owner SR-22 insurance in Oregon

Non-owner car insurance is just what it sounds like: car insurance coverage for people who don’t own a car but still drive. While most insurance companies offer non-owner coverage, not all providers offer SR-22 certificates.
In Oregon, insurers that offer SR-22 certificates include
also offers SR-22 coverage in Oregon, but it’s only available to members of the military and their families. 
Need a
non-owner SR-22
? Here’s what to do: 
Make sure to keep your policy in force for as long as your SR-22 filing requirement exists, and it’s wise to double-check with the Oregon DMV when it’s okay for you to no longer have an SR-22 on file.
But even then, don’t drop your coverage—unless you’re not planning on getting behind the wheel at all. 
“I’m in the process of buying my first car, so when I saw the
ad, I clicked it. I’m so happy I did! They took less than 24 hours to find me a reasonable insurance company and price. Thanks so much for saving me time and stress!” —Dani G.
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In general, only people who have committed a serious offense, like a
driving without car insurance
, need to get an SR-22. Receiving a ticket for a minor traffic violation may increase your car insurance premiums, but it’s not likely to result in you being required to get an SR-22.
Typically, you’re required to keep an SR-22 for three years. But if it’s a repeat offense or you let your coverage lapse, then you might be required to keep it for a longer period of time.
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