Cheapest SR-22 Car Insurance in Oregon (2024)

An SR-22 is a certificate verifying that you carry the minimum coverage auto insurance required in Oregon, typically after certain moving violations. It's filed by you or your insurance company to prove your financial responsibility. Although the SR-22 itself doesn't affect your rates, the infractions necessitating it can lead to higher premiums.

The two most affordable companies for SR-22 insurance in Oregon are Progressive, with an annual rate of $587, and State Farm, costing about $659 per year. These rates provide the state minimum liability-only coverage.

For non-owner car insurance, the top two economic choices are State Farm and Travelers, offering annual rates of $526 and $735, respectively.

The most affordable companies for state minimum liability-only SR-22 car insurance in Oregon are:

• Progressive: $49 per month, $587 per year
• State Farm: $55 per month, $659 per year

For those needing more comprehensive protection, the top picks for full coverage SR-22 insurance in Oregon are:

• American Family: $96 per month, $1,155 per year
• State Farm: $111 per month, $1,336 per year

After a moving violation, expect to pay higher rates for car insurance as you're now seen as a high-risk driver. Yet, affordable cheap SR-22 car insurance is within reach by comparing quotes. Whether you need minimum coverage auto insurance or full coverage car insurance, options exist that won't break the bank.

Finding the cheapest provider in Oregon can make a significant difference in your finances, especially when you're required to carry an SR-22.

The companies offering the most affordable non-owner SR-22 insurance in Oregon are:

• State Farm: $44 per month, $526 per year
• Travelers: $61 per month, $735 per year

Non-owner car insurance is designed to meet the state minimum coverage requirements for individuals who need to file an SR-22 but don't own a car.

The table below highlights the companies that provide the most affordable non-owner SR-22 insurance in Oregon and their rates.

An SR-22 in Oregon is a certificate filed by you or your insurer to prove your financial responsibility after violations like a DUI, driving without insurance or repeat traffic offenses. It's not actual insurance coverage but a requirement for at least three years in Oregon. If your SR-22 is canceled or lapses, your insurance provider must notify the state's Public Safety Department immediately.

An SR-22 insurance verifies that you have the minimum car insurance requirements in Oregon, which include:

• $25,000 for bodily injury liability per person.
• $50,000 for bodily injury liability per accident.
• $20,000 for property damage liability per accident.
• $25,000 uninsured motorist bodily injury per person.
• $50,000 uninsured motorist bodily injury per accident.
• $15,000 personal injury protection (PIP) per person.

Even without a car, you'll need an SR-22 non-owner car insurance. Remember, an insurance policy card can't replace an SR-22.

Oregon drivers who have committed certain violations may need to file an SR-22 through their insurance company. This form proves they have minimum coverage auto insurance, which is essential for keeping their driving privileges. In Oregon, the SR-22 must be maintained for three years. Specific violations requiring an SR-22 include:

When you file an SR-22 in Oregon, expect more than just higher rates and limited coverage options. Your insurer might also deny you coverage or cancel your policy mid-term. It's key to keep your insurance active because any break in coverage can reset your SR-22 requirement. You're typically required to carry an SR-22 for three years in Oregon.

Below are ways an SR-22 negatively impacts your car insurance:

Drivers with a DUI in Oregon pay an average annual premium of $2,001 for full coverage and $1,112 for state minimum coverage. In contrast, those with a clean record pay $1,379 and $781, respectively. The severity of your offense impacts your premiums. It's not the SR-22 certificate itself but the associated violations that increase rates. Severe or repeated offenses can lead to policy non-renewal or higher rates at renewal. The SR-22 certificate is typically required for three years. During this period, drivers must maintain minimum liability coverage of 25/50/20.

Filing an SR-22 in Oregon is mandatory for drivers with serious violations such as DUII. Without it, you risk license suspension and legal penalties. Ensure you maintain minimum coverage for the required three-year period. Here are the steps to file an SR-22 in Oregon:

If your SR-22 certificate lapses in Oregon, your driving privileges will be suspended again. You must have state minimum coverage of 25/50/20. To reinstate your license, you'll need a new SR-22. The cost for this varies, so check with your insurer.

Having a DUI on your record can bump up your car insurance costs. For instance, a 30-year-old with a clean record might pay an annual premium of about $785, which is $65 monthly. But with a DUI, that jumps to about $1119 annually or $93 each month. Even so, you can still snag car insurance after a DUI without breaking the bank. Oregonians needing an SR-22 documentation can breathe easy knowing there are still affordable paths to ensuring their wheels are covered.

Finding an affordable SR-22 insurance in Oregon can be tough. Get answers to your questions about securing cost-effective coverage here.