If your license has been revoked in Oregon due to a significant violation such as a DUI, obtaining an SR-22 certificate may be necessary.
This certificate, also known as SR-22 insurance, serves as proof to the state that your insurance coverage complies with the minimum car insurance requirements set by Oregon
Typically, filing an SR-22 form with your insurance company incurs a fee ranging from $15 to $50.
However, it’s important to note that your insurance premiums are likely to increase too.
This is because individuals requiring an SR-22 often have prior tickets on their record, making them more prone to future accidents.
Affordable SR-22 Insurance in Oregon:
State Farm vs. Progressive
In the state of Oregon, individuals seeking cost-effective SR-22 insurance options will find competitive rates with State Farm and Progressive.
DUI Conviction Scenario
For those with a DUI conviction, Progressive offers a minimum coverage insurance plan priced at approximately $97 per month.
In comparison, State Farm provides a similar policy at $98 per month.
Ticket for Driving Without Insurance
If you need SR-22 after receiving a ticket for driving without insurance, State Farm emerges as the more economical choice.
The minimum coverage from State Farm for these drivers is set at $63 per month, while Progressive charges $104 per month.
Explore Two Scenarios: SR-22 with a DUI and SR-22 resulting from a ticket for driving without insurance.
SR-22 car insurance quotes for minimum coverage following a DUI incident are as follows:
- State Farm: $63 per month
- Country Financial: $97 per month
- Progressive: $104 per month
- American Family: $123 per month
- Mutual of Enumclaw: $127 per month
- Geico: $128 per month
- Nationwide: $132 per month
- Travelers: $137 per month
- Allstate: $171 per month
- Farmers: $193 per month
- USAA: $73 per month (Note: Available to military members and their families)
What are the expenses associated with SR-22 policies?
The primary cost directly linked to an SR-22 certificate is the filing fee, typically ranging between $15 and $50.
Nevertheless, obtaining an SR-22 certificate often entails higher insurance premiums.
In Oregon, drivers frequently require SR-22 insurance following a DUI, repeated traffic offenses, or driving without insurance.
These infractions commonly result in elevated car insurance rates, significantly contributing to overall expenses beyond the SR-22 filing fee.
As an illustration, the average monthly cost of car insurance in Oregon stands at $79 for a minimum coverage policy.
A single DUI incident can elevate car insurance rates by an average of 51%, depending on specific location and insurance provider.
To secure affordable SR-22 insurance in Oregon, it is advisable to seek quotes from various insurance companies.
Since insurance rates vary among providers, comparing multiple quotes emerges as an effective strategy to identify budget-friendly SR-22 insurance options.
What does an SR-22 entail in Oregon, and in what situations is it mandatory?
An SR-22 form serves as evidence to the state that your car insurance policy complies with Oregon’s minimum coverage requirements.
Minimum requirements for Oregon SR-22 insurance include:
Bodily injury liability: $25,000 per person and $50,000 per accident
Property damage liability: $20,000 per accident
Uninsured motorist bodily injury liability: $25,000 per person and $50,000 per accident
Personal injury protection (PIP): $15,000 per accident
Individuals with certain driving convictions may be obligated to carry additional coverage, so it’s essential to consult with Oregon Driver & Motor Vehicle Services.
Instances when obtaining an SR-22 in Oregon is necessary:
- When ticketed for driving without insurance
- After being involved in an accident without insurance coverage
- Following a conviction for driving under the influence (DUI)
- If you fail to settle legal damages after an accident
- When your license has been revoked
- When mandated by a judge for insurance supervision
- Upon applying for a hardship or probationary permit, particularly following a license suspension.
How to Obtain an SR-22 in Oregon
Acquiring SR-22 insurance coverage in Oregon involves a series of steps:
Step 1: Reach out to your existing insurance provider or locate an approved carrier. Not all companies extend coverage for drivers requiring SR-22, so inquire with your current insurer about their ability to file the form on your behalf. If they cannot, you’ll need to identify a new provider.
Step 2: Arrange for your insurance company to submit proof of insurance on your behalf. The SR-22 form will be directly filed with the Oregon DMV by your chosen insurance company.
Step 3: Settle the SR-22 fee. Once the SR-22 form is filed, your insurance company typically imposes a flat fee, typically ranging from $15 to $50.
Step 4: Receive confirmation. Following the processing of the SR-22 form, both the Oregon DMV and your insurance company should dispatch letters confirming your reinstated insurance coverage, allowing you to legally resume driving.
In the event that the state of Oregon mandates SR-22 coverage and you relocate to another state, it is imperative to file an SR-22 with Oregon before obtaining a driver’s license from the new state.
Should you possess an SR-22 from a different state, it is necessary to maintain it while driving in Oregon.
What is the duration of SR-22 insurance coverage mandated in Oregon?
Typically, Oregon drivers are obligated to maintain SR-22 insurance for a period of three years.
However, the necessity to retain SR-22 insurance for an extended duration may arise if you incur tickets or are involved in an accident during this three-year span.
Insurance companies will inform the Oregon DMV in the event of the cancellation or non-renewal of your SR-22 policy. Allowing your SR-22 coverage to lapse could result in the suspension of your driver’s license, accompanied by reinstatement fees and heightened car insurance rates.
To prevent any interruptions in coverage, it is advisable to renew your policy well in advance—ideally 30 days before expiration—throughout the mandated three-year SR-22 insurance period.
If you’re uncertain about the conclusion of your SR-22 obligation, reaching out to the Oregon DMV can provide confirmation of the completion date.
Once the Oregon DMV verifies the fulfillment of your SR-22 requirement, promptly notify your insurance company that an SR-22 filing is no longer necessary.
Also read: Cheap SR22 Insurance Colorado
Frequently Asked Questions [FAQs]
- Who Offers the Most Affordable SR-22 Insurance in Oregon? State Farm, Progressive, and USAA are identified as providing the most budget-friendly SR-22 insurance rates in Oregon. However, the specific rate is contingent on the reason necessitating the SR-22 certificate. For instance, State Farm charges $98 per month for a minimum coverage SR-22 policy after a DUI, but the cost is reduced to $63 per month for drivers with a ticket for driving without insurance.
- What is the Duration of an SR-22 in Oregon? Typically, individuals requiring SR-22 insurance must maintain it for three consecutive years. However, the obligation may extend if additional tickets are incurred during this period.
- How Much Does an SR-22 Cost in Oregon? Filing an SR-22 certificate generally incurs a fee ranging from $15 to $50. Nevertheless, the associated car insurance rates are likely to increase based on the specific reason necessitating the SR-22. For instance, minimum coverage SR-22 insurance costs $157 per month after a DUI in Oregon, doubling the amount paid by drivers with a clean record for coverage.
- How Can I Determine the Expiry of my SR-22 in Oregon? To ascertain the remaining duration of your required SR-22 filing, you can contact the Oregon DMV with your SR-22 case number. Once the obligation is fulfilled, promptly inform your insurance company that the SR-22 filing is no longer necessary.
Methodology:
To identify the most affordable SR-22 insurance in Oregon, we collected quotes from leading insurance companies across all residential ZIP codes in the state.
Rates were obtained for a 30-year-old single male with a favorable credit score driving a 2015 Honda Civic.
The quotes pertain to a minimum coverage policy adhering to legal requirements in Oregon and exclude comprehensive and collision coverage.
ValuePenguin’s analysis utilized insurance rate data from Quadrant Information Services. These rates, publicly sourced from insurer filings, are intended for comparative purposes, and individual quotes may vary.