Non-owner SR-22 coverage is a fairly affordable option for those
Oregondrivers 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.
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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 insuranceis 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.
non-owner SR-22? Here’s what to do:
- Contact area insurance providers to see if they offer non-owner SR-22 insurance.
- Get at least three to fivecar insurance quotesto compare before you make your decision, as prices can vary a lot between providers.
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.
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Can anyone get an SR-22 in Oregon?
How long does an SR-22 last in Oregon?
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.