Auto Insurance with an SR-22 in Oregon

The Zebra
Nov. 16, 2018

If you need an SR-22 for auto insurance in Oregon, you are not alone. This relatively common requirement is triggered by a violation like a DUI conviction, a citation for driving without proof of insurance, an at-fault crash, a citation for driving with a suspended license, or accumulating too many points on your license.

Getting cheap insurance with an SR-22 in Oregon might not be easy, but it could pay off. We analyzed how much an Oregon SR-22 usually costs and how to easily get one — let’s dive in.

Compare SR-22 insurance rates today!

Location pin icon
Your information is secure.

Average SR-22 costs in Oregon

Insurance with an SR-22 in Oregon can be expensive. This isn’t due to the cost of obtaining an SR-22 certificate — filing fees usually total $15-$35 — but a product of the insurance cost increases that come with the citation that made the SR-22 necessary.

Auto insurance companies bill high-risk drivers steeper rates to account for the more substantial chance of claims payouts. The rate increase you’ll face may depend on the frequency and severity of the citations — below are average insurance rates for drivers with SR-22s in Oregon.

Rating factorAverage annual rateIncrease vs. clean record
No violations$1,377.22
At-fault accident (>$2,000)$1,903.00$525.78
Speeding (21-25 mph > limit)$1,800.25$423.03
Reckless driving$2,521.92$1,144.70
Hit and run$2,136.11$758.89

If you’re looking for affordable car insurance after obtaining an SR-22 certificate, The Zebra is here to assist. Enter your ZIP code below to receive personalized car insurance rates from respected companies.

Requesting an SR-22 in Oregon

For currently insured drivers:

If you currently have auto insurance, obtaining an SR-22 certificate shouldn't be too difficult. Just call your insurance company ask them to file an SR-22 request on your behalf. If your insurance company declines to file an SR-22 request, you'll need to look for a new insurance company.

If you don't have insurance:

When applying for car insurance, you might face an additional fee for the prospective insurer to file an SR-22 request form and to cover your more risky driving profile. Needing an SR-22 certification may disqualify you from buying insurance from some companies, while others may happily sell you a policy.

For drivers without a vehicle:

If you don't own a vehicle, it could be 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, get a non-owners auto insurance policy before requesting an SR-22. Non-owners car insurance is typically cheaper than a standard policy since it doesn't cover physical damages to your vehicle.


Between September and December 2017, The Zebra performed in-depth pricing analysis via our proprietary quote engine, incorporating data from rating platforms and public rate filings. The Zebra examined nearly 53 million premiums to examine 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.