The Bankrate promise
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our .
In the state of Oregon, if you have a serious violation on your driving record, you may be required to obtain an SR-22 in order to avoid license suspension. SR-22 insurance in Oregon 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.
What is SR-22 insurance?
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 or accidents in a short period of time
- Getting convicted of driving without insurance
- Applying to reinstate driving privileges after a license suspension
- Applying for a hardship or probationary permit
In some cases, a driver in Oregon may not automatically lose their license after a serious violation. However, they may lose their license if they do not have an SR-22 on file by the required deadline.
For example, if a driver is caught without car insurance, they may be 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 typically starts on the end date of the suspension. Out-of-state drivers who are required to carry an SR-22 in Oregon may not obtain a license from another state until they file one in Oregon.
The Oregon Department of Motor Vehicles (DMV) does not disclose how long drivers must file an SR-22 for, but in many states, SR-22 insurance stays on a driver’s record for three years, depending on the severity of the violation.
Non-owner SR-22s for Oregon drivers
Drivers who need SR-22 insurance but do not own a vehicle are typically required to purchase non-owners insurance. For instance, 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 likely be required to purchase non-owners insurance and file an SR-22 with the state.
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 may be purchased from insurance companies that specialize in high-risk insurance.
Drivers should know that non-owners insurance does not typically offer any protection for the vehicle they are driving. If a driver caused an accident in a borrowed vehicle, they would likely be responsible for paying for the vehicle’s damages out-of-pocket.
Cost of SR-22s in Oregon
The cost of SR-22 insurance in Oregon may vary based on the company that issues it. The cost to file an SR-22 with the state is typically fairly low, but the cost of the insurance policy associated with the SR-22 may be quite high as drivers with DUIs and other severe driving infractions typically pay some of the highest average auto insurance rates.
For example, after a DUI, the average cost of a full coverage car insurance policy increases by over $1,600 per year. In addition, drivers who get their license suspended are required to pay a $75 reinstatement fee to the Oregon DMV.