Cheapest SR-22 Car Insurance in Oregon

Progressive delivers Oregon's most affordable SR-22 insurance at $1,095 for minimum coverage and $1,908 for full coverage. That minimum rate is $1,888 below the state average of $2,984, a significant 63% discount in one of the West Coast's costlier insurance markets.

Farmers, the most expensive on our list, costs $2,363 for minimum coverage, still 21% below the state average and $1,268 more than Progressive. Oregon's wide pricing spread makes Progressive a standout option for SR-22 shoppers.

You can find the five insurers offering Oregon's cheapest SR-22 premiums in the table below.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Progressive most often emerges as the category winner in this dataset. The least expensive category is Drivers With Other Violations, priced at $1,019 for minimum coverage SR-22 insurance with GEICO, while the most expensive is Drivers With Multiple Speeding Tickets, at $1,206 with Country Financial. The $188 spread is relatively narrow, showing how Oregon prices various violations similarly.

Insurers still price SR-22 policies based on violation severity and history, so individual quotes can vary even within the same category label.

* Rates for most drivers are represented by a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE. All other profiles are modifications of these factors. Young drivers are represented by 25-year-olds, and seniors are represented by 65-year-olds; all other violations represent those with suspensions that are not due to driving violations.

Union records the lowest minimum coverage SR-22 at $696 (Progressive), while Gresham is most expensive at $1,463 (Country Financial). The $767 gap equals about 110% more in the Portland metro area, reflecting heavier traffic, higher claim severity, and costlier repairs in the urban region.

Population density, collision frequency, and repair economics are major drivers of Oregon's city-to-city SR-22 variation.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Progressive stands out as the best car insurance provider for SR-22 filing in Oregon, offering the strongest combination of affordable rates, quality customer service and comprehensive coverage options. For additional options, consider Travelers, State Farm, GEICO or Farmers in your search.

To comply with Oregon laws, you must carry these minimum liability limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $20,000 property damage liability per accident

In the state, SR-22 certificates are usually required for three years. It can be extended beyond three years, depending on the violation and if there is noncompliance with requirements or repeated offenses.

Getting an SR-22 is just one part of meeting Oregon's insurance requirements. Drivers must also follow several other important coverage rules and regulations.

In Oregon, drivers with severe violations must file an SR-22 to prove they have minimum coverage. This requirement lasts 3 to five years, depending on the offense. While an SR-22 costs more, cheap car insurance options are available for these drivers.

Below are frequently asked questions about SR-22 certifications in Oregon:

MoneyGeek analyzed hundreds of thousands of quotes across Oregon to determine the average cost of car insurance premiums for drivers with various profiles that would likely need an SR-22. All data was sourced from Quadrant Information Services and extrapolated by our team to give you personalized recommendations for your specific profile.

Oregon SR-22 Driver Profile

We collected data for a sample driver with the following attributes and modified it to other common profiles for those needing an SR-22:

• 40-year-old male
• Driving record with a DUI
• 2012 Toyota Camry LE
• 12,000 miles driven annually
• Suspended license
• Single
• No claims history

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Oregon's minimum coverage requirements, with the following limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $25,000 property damage liability per accident

We based our analysis for full coverage quotes that include comprehensive and collision protection on these coverage amounts with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Our Best SR-22 Company Rating Methodology

We rated all companies based on the following rating scale:

• Affordability (60% of score): We analyze premium costs by gathering quotes across multiple driver profiles and comparing pricing against regional competitors. This substantial weight reflects the primary concern most consumers have when selecting insurance coverage.
• Customer experience (30% of score): Our customer service evaluation includes Google reviews, J.D. Power scores, AM Best financial ratings, and consumer feedback from Reddit discussions. We check these different sources to see how companies really perform for their customers.
• Coverage options (10% of score): We evaluate the breadth and depth of available coverage types, examining both the quantity of options and the distinctiveness of specialized benefits or unique features each provider offers.

Learn more about MoneyGeek's car insurance methodology.