In the state of Oregon, drivers can have their license suspended for having a serious violation on their driving record. In order to get their license reinstated, Oregon drivers must purchase SR-22 insurance. Without it, their driver’s license will remain suspended until they provide proper documentation.
An SR-22 is a certificate that proves the driver carries the minimum liability insurance coverage required in the state. It is not a true form of insurance, but rather a special form of proof of insurance. Having an SR-22 has consequences, and will affect a driver’s insurance rate.
SR-22 insurance in Oregon
Oregon drivers are legally required to purchase an SR-22 if they have certain negative marks on their driving record. SR-22s are also required when a driver loses their license for any reason. Some situations where a driver might need to purchase an SR-22 in Oregon include:
- Getting charged with a DUI/DWI
- Getting charged with reckless or negligent driving
- Having multiple traffic violations in a short period of time
- Having multiple accidents in a short period of time
- Getting caught driving without insurance
- Failing to pay court-ordered child support
- Causing an accident with fatalities or serious injuries
In some cases, a driver in Oregon will not automatically lose their license after a serious violation. However, they will lose their license if they do not have an SR-22 on file by the required date.
For example, if a driver is caught without car insurance, they are technically required to have an SR-22 starting on the date of conviction. For drivers who lose their license and want to reinstate their driving privileges, the SR-22 requirement starts on the end date of the suspension.
Out-of-state drivers who are convicted of a traffic violation in Oregon are still required to purchase an SR-22 with the state of Oregon. And drivers who need SR-22 insurance but do not own a vehicle are required to purchase non-owners insurance.
The Oregon Department of Motor Vehicles (DMV) does not disclose how long drivers must have an SR-22 on their record. But in most states, SR-22 insurance stays on a driver’s record for three to five years, depending on the severity of the violation.
Cost of SR-22s in Oregon
The cost of SR-22 insurance in Oregon varies based on the company that issues it. According to Progressive, the cost to file an SR-22 certificate is usually around $25. Unlike standard car insurance, SR-22s are not priced based on age, credit score or claims history.
In addition, drivers who get their license suspended are required to pay a $75 reinstatement fee to the Oregon DMV. The fee is always the same, regardless of the number of suspensions or cancellations a driver has on their record.
Oregon drivers who have an SR-22 should also be prepared to pay higher car insurance premiums. Individuals who are required to purchase an SR-22 or lose their license are automatically put in the high-risk driver category. High-risk drivers are more likely to file insurance claims in the future, so insurance companies charge them more for coverage.
For example, after a DUI, the average driver will see their car insurance rate increase anywhere from $800-$3,000 per year. After a single accident, car insurance rates can increase by $300-$600 per year, on average. Car insurance rates eventually decrease when the SR-22 and the violation are removed from the driver’s record.
Non-owner SR-22s for Oregon drivers
There are some instances where an Oregon driver might need an SR-22 without owning a personal vehicle. For example, if a driver borrows their friend’s car to drive home from a bar, and they get pulled over for a DUI. In this case, the driver would be required to purchase non-owners insurance.
Non-owners insurance provides bodily injury and property damage liability coverage. It covers the driver’s legal and financial responsibility in the event that they cause an accident in a borrowed vehicle. Non-owners insurance can be purchased from insurance companies that specialize in high-risk insurance.
Drivers should know that non-owners insurance does not offer any protection for the vehicle they are driving. Non-owners insurance covers liability only. If a driver caused an accident in a borrowed vehicle, they would be responsible for paying for the vehicle’s damages out-of-pocket.
Frequently Asked Questions
What is the difference between an SR-22 and an FR-44?
SR-22s and FR-44s are often grouped together, but they are actually two separate documents. SR-22s are issued for high-risk drivers in most states, whereas FR-44s are usually issued in Florida and Virginia only. FR-44 certificates usually require the driver to carry at least $100,000 in liability coverage. With an SR-22, the driver is only required to meet the state’s minimum liability requirement.
How long do I need to have an SR-22?
In Oregon, most drivers will have an SR-22 on their record for three to five years. However, the consequences tend to become more severe after two or more offenses. For instance, after a first offense, it is most likely that a driver will only have an SR-22 on their record for three years. A driver who has multiple strikes on their record is more likely to have an SR-22 for five years.
Does my state require SR-22 insurance?
Most states require SR-22 insurance, with the exception of Florida and Virginia, where FR-44s are required. However, some states do not require SR-22 insurance. Drivers who live in Delaware, Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma and Pennsylvania are not required to purchase SR-22 insurance if their license is suspended.