SR-22 in Oregon: What You Need to Know

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In Oregon, if you’ve been convicted of a major driving infraction, your insurance provider will need to file an SR-22 form on your behalf for you to legally drive again. This “proof of insurance” guarantees that you meet Oregon’s mandated minimum auto insurance requirements.
If you’re asking your insurer to file an SR-22 form for you, be prepared for your car insurance premiums to go up—but rest assured, that doesn’t mean you’ll need to pay an outrageous amount for your policy.
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To learn all you need to know about SR-22 certificates in Oregon, keep reading!
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What is an SR-22 in Oregon?

In Oregon, an SR-22 form or certificate filed by your insurer offers proof to the state that you meet its minimum liability insurance requirements.
Oregon requires all drivers to carry liability insurance. The state’s mandated minimum insurance requirements, or the least amount of insurance each driver must carry, are as follows:
  • $25,000 for bodily injury to one person per accident
  • $50,000 for bodily injury for more than one person in a single accident
  • $20,000 for property damage coverage for one accident
As well, Oregon mandates that drivers filing for an SR-22 also carry the following:
In Oregon, SR-22 certificates are usually required for at least three years from a date of conviction, but this term can be extended if you commit violations within the original probation period.
Also, if you fail to renew an insurance policy with an SR-22 form attached on time, you risk losing your license. Additionally, you will have to pay any fees necessary to reinstate your license as well as higher insurance costs.
Key Takeaway An SR-22 probation period usually lasts three years in Oregon, but it can be extended if you commit a violation within the original probationary term.

Who needs SR-22 in Oregon?

If a driver in Oregon has their license revoked or suspended for any of the following reasons, they will likely need their insurer to file an SR-22 form on their behalf in order to regain their driving privileges:
  • Driving without insurance
  • You own a vehicle that was uninsured and involved in an accident
  • DUI conviction
  • Hit-and-run
  • Failure to pay legal damages following an accident
  • Applying for a probationary permit
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How to get an SR-22 certificate

To get an SR-22 form or certificate and have it filed with Oregon’s DMV, follow these steps.

Find an insurer

Not all insurance companies will file SR-22 forms, as many providers deem drivers high-risk if they require an SR-22 to drive. Be sure to do your research and find an insurer that issues SR-22s in Oregon.

Pay the SR-22 fee

Once you find an insurance company willing to file an SR-22 for you, pay the fee so the form can be processed and filed. In Oregon, filing fees range from $15 to $50.

Verify minimum liability coverage

As you’ve found an insurer to file proof of insurance for you, you must make sure you carry liability insurance that meets Oregon’s requirements.

Submit your SR-22

Once you’ve paid your filing fee, your insurer will submit your SR-22 to the Oregon DMV. You’ll soon receive a letter in the mail from both the DMV and your insurance company confirming that your SR-22 was accepted.

How much does it cost?

Depending on your insurer, car insurance rates with SR-22 coverage can jump by roughly 30% to 90%.
In Oregon, your rate will depend on your personal profile, driving history, location, and a slew of other metrics. Since each insurer will weigh your case differently, this is why it is so important to shop around for the best quote you can find.

How an SR-22 impacts your insurance in Oregon

If you require your insurer to file an SR-22 form for you in Oregon, your car insurance premiums will likely increase for as long as you are on probation—once your probation period expires without incident, your rates will begin to decrease.
Finding an insurer that will file an SR-22 for you may require a bit of searching, as not all insurers will take on drivers they deem to be high risk.
That being said, there are a good number of insurance providers—both large and small—that will insure high-risk drivers. Always remember to shop around to find an insurer willing to provide the best coverage at an affordable rate.
Key Takeaway If you are carrying insurance with SR-22 coverage, be prepared to pay higher premiums than you would with standard car insurance.

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