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Oregon SR-22 & High-Risk Auto Insurance

Oregon requires 25/50/20 liability coverage and is an at-fault state.

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Oregon at a Glance

25/50/20

Minimum liability limits, in thousands of dollars (per person / per accident / property)

At-fault

The at-fault driver's insurance pays for the damage they cause

Required

PIP and Uninsured motorist coverage must be on every policy

No

A defensive driving course does not remove points here

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Oregon

Drivers with DUI convictions, multiple violations, at-fault accidents while uninsured, or license suspensions typically face SR-22 filing requirements from the Oregon Department of Motor Vehicles. The SR-22 is a certificate your insurer files proving you carry at least state minimums, and it must remain active for 3 years without lapse. For high-risk drivers, state minimums rarely provide adequate protection against lawsuits following another incident.

Liability Insurance

Oregon's 25/50/20 minimums are among the lowest in the nation and insufficient for most at-fault accidents involving injury. High-risk drivers should consider 100/300/100 limits to protect against financial exposure if another incident occurs during your SR-22 period.

SR-22 Certificate Filing

SR-22 is not insurance but a form your carrier files with the Oregon DMV certifying continuous coverage. If your policy lapses for any reason—even non-payment by one day—the insurer notifies the DMV, your license is re-suspended, and the 3-year clock restarts from zero.

Uninsured/Underinsured Motorist Coverage

If an uninsured driver hits you during your SR-22 period, you could face medical bills and repair costs with no recovery option unless you carry UM/UIM. High-risk drivers often cannot afford another claim against their own policy, making this coverage particularly valuable.

Full Coverage (Comprehensive + Collision)

If you finance or lease your vehicle, lenders require comprehensive and collision coverage. Weigh the total annual cost against your vehicle's actual cash value before committing to low deductibles.

Non-Standard Auto Insurance

Standard carriers frequently decline coverage for drivers with DUI convictions, multiple violations, or SR-22 requirements. Non-standard or high-risk carriers specialize in these profiles and offer SR-22 filing, but premiums are significantly higher and policy terms may include mileage restrictions, required telematics devices, or limited coverage options.

What Drivers Pay in Oregon

$235–$257/mo

Typical monthly rate in Oregon, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

What Affects Your Rate

  • Type of violation (DUI surcharges are highest, followed by reckless driving and at-fault uninsured accidents)
  • Time since violation (rates decrease annually if you maintain a clean record during SR-22 period)
  • Age and gender (drivers under 25 with SR-22 requirements face the steepest premiums)
  • Vehicle type and value (newer or high-performance vehicles increase collision and comprehensive costs)
  • Credit score (Oregon allows credit-based insurance scoring, which penalizes high-risk drivers further if credit is poor)
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Coverage Types

SR-22 Insurance

Certificate filed by your insurer proving you carry Oregon's minimum liability coverage. Required for DUI, major violations, and license suspensions.

Non-Standard Auto Insurance

Specialty coverage for drivers rejected by standard carriers due to violations, DUI, or SR-22 requirements. Higher premiums but accepts high-risk profiles.

Liability Insurance

Covers injury and property damage you cause to others. Oregon requires 25/50/20 minimums, but high-risk drivers should consider higher limits.

Uninsured Motorist Coverage

Protects you if hit by a driver with no insurance or insufficient coverage. Not required in Oregon but recommended for high-risk drivers.

Full Coverage

Combines liability, comprehensive, and collision coverage. Covers damage to your vehicle regardless of fault and is required if you finance.

Collision Coverage

Pays to repair or replace your vehicle after an accident, regardless of fault. Subject to a deductible you choose when purchasing the policy.

Find Your City in Oregon

Portland

urban

Eugene

urban

Salem

urban

Gresham

suburban

Hillsboro

suburban

Bend

urban

Medford

urban

Springfield

suburban