Oregon SR-22 Insurance for High-Risk Drivers
Oregon requires 25/50/20 liability coverage and is an at-fault state.
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Oregon at a Glance
25/50/20
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
PIP and Uninsured motorist coverage must be on every policy
No
A defensive driving course does not remove points here
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Oregon
Drivers with DUI convictions, major violations, uninsured accidents, or license suspensions typically must file SR-22 proof of insurance with the Oregon DMV. The SR-22 filing requirement usually lasts 3 years from the reinstatement date.
Liability Insurance
SR-22 Insurance
Full Coverage
Uninsured Motorist Coverage
Non-Standard Auto Insurance
What Drivers Pay in Oregon
$235–$257/mo
Typical monthly rate in Oregon, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- SR-22 filing duration: Drivers must maintain continuous coverage for 3 years; any lapse restarts the clock and adds suspension fees
- Carrier availability: Non-standard carriers like The General, Acceptance, and Bristol West offer the most competitive SR-22 rates in Oregon compared to standard market insurers who often decline high-risk applicants entirely
Put Your Record Up Against Every Rate
Compare Rates for Your Driving RecordCoverage Types
SR-22 Insurance
Certificate of financial responsibility filed by your insurer with the Oregon DMV proving you carry minimum liability coverage. Required for 3 years after DUI, major violations, or uninsured accidents.
Non-Standard Auto Insurance
Policies designed for drivers standard insurers decline: DUI convictions, SR-22 requirements, multiple violations, or coverage lapses. Non-standard carriers specialize in immediate coverage and same-day SR-22 filing.
Liability Insurance
Covers injuries and property damage you cause to others. Oregon requires 25/50/20 minimums, but high-risk drivers should consider 50/100/50 or higher to protect assets from lawsuits.
Full Coverage
Liability plus collision and comprehensive protection for your own vehicle. Required by lenders and lessors even if you have SR-22 filing requirements.
Uninsured Motorist Coverage
Protects you if an uninsured or underinsured driver causes an accident. Oregon does not require UM coverage, but approximately 14% of state drivers are uninsured.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident, minus your deductible. Optional unless required by your lender.