Auto Insurance with an SR-22 in Oregon

If you need an SR-22 to get auto insurance in Oregon, you aren't alone. This fairly standard insurance requirement is sometimes requested after a driving violation such as a DWI conviction, a citation for driving with no insurance, a collision causing substantial property damage, a citation for driving with a suspended license, or accuring excessive points on your license.

Getting inexpensive auto insurance with a SR-22 in Oregon might not be easy, but it could pay off. We examined how much a SR-22 typically costs in Oregon and how to get one — let’s dive in.

How much should you expect to pay for an SR-22 in Oregon?

Insurance with an SR-22 in Oregon can be pricey. This isn’t due to the cost of obtaining an SR-22 certificate — filing fees might be just $15 to $35 — but thanks to the insurance rate increases triggered by the issue that prompted the SR-22 requirement in the first place.

Insurers charge higher-risk clients higher rates to account for the increased probability of an accident. The price increase you’ll receive will depend on the severity and number of the citations — below are average insurance premiums for drivers with SR-22s in Oregon.

High-risk rating factorAverage annual rateIncrease vs. clean record
No citations$1,463
At-fault collision (>$2,000)$2,183$720
Speeding (21-25 mph > limit)$1,924$461
Reckless driving$2,173$710

If you are trying to find affordable car insurance with a SR-22, we're here to help. Enter your ZIP code to receive individualized car insurance quotes from top companies.

How to get an SR-22 in Oregon

For currently insured drivers

If you have an active car insurance policy, getting an SR-22 certificate should be easy enough. Call your insurer and request that the company file a SR-22 request on your behalf. If your current insurer won't file an SR-22 request, you should shop for a new policy with a new insurance company.

Currently uninsured?

When applying for a new policy, you might face an up-front fee to cover the cost of the SR-22 request form and your high-risk driving profile. An SR-22 requirement may disqualify you from buying insurance from some companies, while others would be happy to sell you a policy.

For drivers who don’t own a vehicle

Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.

For drivers without a vehicle

Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. If you don't own a vehicle, you should get a non-owners insurance policy before filing an SR-22 request. Non-owners auto insurance is typically less expensive than a standard policy since it doesn't protect against physical damage to your vehicle.

Methodology and data sources

The Zebra conducted comprehensive auto insurance pricing analysis using our proprietary quote engine, comprising data from rating systems and public rate filings. The Zebra assessed nearly 53 million premiums to identify trends related to specific auto insurance rating factors across all U.S. ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and how they impact car insurance rates.

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Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance