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Oregon SR-22 Car Insurance (With Quotes)
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Written by
Charlie Mitchell
Insurance Writer
Charlie Mitchell is a journalist, researcher, and writer specializing in personal finance subjects. He holds a degree from Middlebury College. His work can be found in Vox, Mother Jones, The New Republic, and other publications. Charlie uses his expertise in home, renters, and auto insurance subjects to help inform people to make better financial decisions. Connect with Charlie on LinkedIn.
Edited by
John Leach
Insurance Content Editor at Insurify
John Leach is an insurance content editor who has worked in print and online. He has years of experience in car and home insurance and strives to make these topics easy to understand for everyone. He has a linguistics degree from UC Santa Barbara.
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.
Updated March 9, 2022
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Cheapest Companies for SR-22 Insurance in Oregon (2022)
For drivers with SR-22 in Oregon, it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate after an SR-22.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Oregon. The following are the best insurance rates from carriers that offer car insurance for drivers with an SR-22 in Oregon.
| Carrier | Avg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| Mile Auto | $110 |
| National General | $124 |
| Kemper | $127 |
| Travelers | $134 |
| Direct Auto | $167 |
| Safeco | $196 |
| Dairyland | $218 |
| Bristol West | $243 |
| The General | $299 |
Table of contents
- How Much Does SR-22 Insurance Cost in Oregon?
- What Is an SR-22, and Who Needs One in Oregon?
- How Much Does Credit Score Affect SR-22 Insurance Costs in Oregon?
- How to Find the Best SR-22 Insurance Rate in Oregon
- Non-Owner SR-22 Insurance in Oregon
- Alternatives to an SR-22 in Oregon
- Frequently Asked Questions
- Compare Top Auto Insurance Companies
How Much Does SR-22 Insurance Cost in Oregon?
SR-22 insurance is more expensive than most insurance, primarily because insurance companies will take into account whatever violations led to the SR-22 requirement in the first place. In Oregon, SR-22 drivers pay an average of $41 more per month than drivers without violations: $219 per month in total.
Meanwhile, Oregon drivers without violations pay just $178 per month on average, meaning SR-22 insurance is about 23 percent more expensive. That difference is in line with SR-22 policies across the country, and since insurance is relatively affordable in Oregon, SR-22 Oregonians are in decent shape compared to their counterparts in other states.
No Violation - Avgerage Monthly Rate$178
With SR-22 - Average Monthly Rate$219
$41 ▴
23.03% ▴
Difference in Average Monthly Rate
Percent Change in Average Monthly Rate
Insurify's comparison tool will help you make sure you're getting the best possible quote even after an SR-22. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.
What Is an SR-22, and Who Needs One in Oregon?
The Oregon DMV requires some drivers who it considers high-risk to file what's called an SR-22 form before returning to the road after a serious driving violation. The form certifies that the driver is covered by at least the state minimum insurance requirements, and it's often required of drivers who have been convicted of driving without insurance or otherwise lost their license.
Drivers who require an SR-22 have to find an insurance company to file it on their behalf. And given that only drivers with prior violations have to file them, some companies don't offer SR-22 insurance, and it can be expensive. But plenty do: it's just all the more important to compare across the industry with Insurify to get the best rate possible.
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How Much Does Credit Score Affect SR-22 Insurance Costs in Oregon?
SR-22 drivers with excellent credit pay on average $37 more per month than drivers with similar credit and no violations, while for those with poor credit, that number is $45. But overall, your credit score doesn't have a huge bearing on what you'll pay for SR-22 insurance in Oregon: the rest pay about $41 per month more than their counterparts with similar credit, $213–$215 per month in total, which is right around the average SR-22 insurance cost for the state.
| Credit Tier | Avg. Monthly Rate - No Violation The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. | Avg. Monthly Rate - SR-22 The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. | Difference |
|---|---|---|---|
| Excellent | $154 | $191 | $37 |
| Good | $172 | $213 | $41 |
| Average | $173 | $215 | $41 |
| Poor | $187 | $232 | $45 |
How to Find the Best SR-22 Insurance Rate in Oregon
Ask your insurance agent if they'll file an SR-22 form on your behalf (they likely will). But before you ask them to file the form, log on to Insurify to compare quotes from up to 20 companies free, fast, and easy. It's the best way to make sure you are choosing the most affordable SR-22 option.
Non-Owner SR-22 Insurance in Oregon
For drivers who don't own a car and don't drive often, non-owner policies can lower the cost of SR-22 insurance. These plans cost less than most SR-22 plans and allow drivers to borrow cars on occasion from people they don't live with, but they'll have to contact the insurance company directly to ask about it.
Alternatives to an SR-22 in Oregon
Drivers with SR-22 requirements can still drive on private property, and they can operate farm equipment, snowmobiles, and permanently registered antiques—but not normal cars on public roads and highways. The state requires insurance at all times.
How Do I Get SR-22 Insurance in Oregon
Given that SR-22 rates can vary highly, it's best to begin searching for SR-22 insurance by comparing rates with Insurify. In just a few minutes, you'll be able to compare all the top providers to get the best rate possible.
Frequently Asked Questions
The minimum—and standard—length of time drivers are required to carry an SR-22 form is three years. If drivers commit further violations, the DMV will likely extend that requirement. Drivers who are unsure of the length of their requirement or when it will end should contact the Oregon DMV.
If you move, you need to maintain your SR-22 in Oregon until you've completed your requirement, even if you register a car and/or have a driver's license in another state.
To have a driver's license, you need SR-22 insurance in Oregon—even if you don't have a car. Ask around about non-owner insurance by contacting insurance companies directly; you will likely pay less than if you owned a car.
Compare Top Auto Insurance Companies
Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies
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Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
