Oregon Car Insurance with a DUI

Author profile picture

Renata Balasco

Senior Content Strategist

  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

If you happen to get a DUI in Oregon, your auto insurance policy is going to be pricier — it's a question of by how much.

How does a DUI impact car insurance in Oregon?

In Oregon, a DUI will lift your annual car insurance rate by an average of $556. That is 98% less than the U.S. average rate increase after a DUI.

Area Avg. Annual Rate — no DUI Avg. Annual Rate — with DUI Avg. Increase After DUI
Oregon $1,463 $2,019 +38%
United States $1,548 $2,556 +65%

Finding auto insurance in Oregon after a DUI conviction

Finding cheap auto insurance after a DUI offense is anything but straightforward. In fact, a DUI usually leads to a greater rate hike than does any single driving infraction — more than an at-fault accident, reckless driving, or racing.

Cheap car insurance after a DUI in Oregon

If you are convicted of a DWI or DUI offense in Oregon, it’s key to mull over your insurance options carefully. Car insurance costs following a DUI may deviate substantially by company. For instance, the best cheap car insurance company after a DUI in Oregon, State Farm, offers yearly rates 42% less than the statewide average insurance price after a DUI conviction. The next-cheapest insurer for car insurance after a DUI in Oregon is Country, while the priciest insurer is Liberty Mutual, at 47% above the mean.

Insurance Company Avg. Annual Rate — After DUI
State Farm $1,176
Country $1,488
Progressive $1,708
USAA $1,816
Farmers $1,974
GEICO $2,434
Allstate $2,894

There is no auto insurance company in particular that provides inexpensive DUI car insurance. The most effective way to save money after a DUI citation is to shop around.

Compare car insurance quotes online or reach out to an insurance expert to survey the landscape and find a suitable option.

Learn more about car insurance and DUI violations.

Oregon DUI/DUII regulations

In Oregon, driving under the influence is formally referred to as driving under the influence of intoxicants, or DUII.

Drivers are DUII in Oregon when their blood alcohol concentration measures 0.08% or higher. Commercial drivers are held to a stricter standard and are considered DUII when their BAC reads 0.04% or higher.

Drivers under 21 years old are DUII in Oregon if there is any detectable alcohol or drugs in their system.

DUII penalties in Oregon

The DUII lookback period in Oregon is five years. Multiple DUII offenses within five years lead to stricter penalties and fines.

Penalties are also enhanced for any DUI in which a child under 18 years old is a passenger.

The first and second DUII offense in Oregon is a class A misdemeanor. Three or more DUII offenses within 10 years are considered class C felonies.

First-time DUII offenses in Oregon lead to:

  • Up to one year in jail
  • $1,000 to $6,250 in fines
  • License suspension for 90 days
  • Must install and use an ignition interlock device for one year after suspension ends

A second DUII offense in Oregon results in:

  • Up to one year in jail
  • $1,500 to $6,250 in fines
  • License suspension for one year
  • Must install and use an ignition interlock device for two years after suspension ends

The penalties for three or more DUII offenses in Oregon are:

  • Up to five years in jail
  • $2,000 (if not sentenced to prison) to $125,000 in fines
  • License suspension for three years if offense is within five years of previous convictions
  • Permanent license revocation for a fourth offense within 10 years of previous convictions

DUII penalties for underage drinkers in Oregon

Drivers between the ages of 13 to 20 and found to be DUII in Oregon are given a license suspension for:

  • One year or until 17 years old, whichever is longer, for a first offense
  • One year or until 18 years old, whichever is longer, for two or more offenses

Sources and references: