Key Takeaways
Commonly known as SR-22, the safety responsibility insurance is proof of the financial responsibility that your insurance provider submits to the state after facing a serious driving infraction. Even though it is not mandatory in most states, SR-22 insurance is mandatory in Oregon.
Here we look at the SR-22 insurance in Oregon, the average SR-22 insurance rates in the state, and the companies that offer cheap SR-22 insurance quotes in Oregon.
Several driving violations can classify you as a high-risk driver in Oregon. According to the offense's severity, you must file an SR-22 form to have your driving privileges reinstated.
Unlike other states, Oregon not only requires the state minimum insurance but must also meet a few other insurance requirements.
The minimum car insurance requirements in Oregon are as follows.
In addition to this Oregon, drivers must meet certain additional criteria to qualify for SR-22 insurance.
In Oregon, drivers must require SR-22 insurance if they have committed the following infractions.
In addition, one will have to file for SR-22 insurance if you have applied for a probationary or hardship permit if there has been an order of mandatory insurance supervision.
The Oregon Department of Vehicles requires drivers to have SR-22 insurance coverage for three years. However, this period may be extended if the driver receives more offenses. If you cancel or do not renew your SR-22 coverage, your insurance company will inform the Oregon DMV.
One must maintain continuous coverage to avoid any lapses. This can be done by renewing the coverage at least 30 days in advance for three years. The time of expiry can be learned from the Oregon DMV with your SR-22 case number.
Finding businesses that provide SR-22 insurance could be challenging. There aren't many companies prepared to work with high-risk drivers and consider submitting an SR-22 on their behalf.
The average yearly cost of a minimum coverage policy in Oregon is $1142. However, a DUI conviction can increase the rates by at least 30%, raising the premiums to $1956. Since SR-22 is mandatory in Oregon, you must figure out the best provider that suits your needs, offering affordable coverage.
Here is a list of Oregon insurance providers with cheap SR-22 policies. In addition, state Farm and Progressive offer the cheapest insurance quotes for those who have to maintain SR-22 insurance in Oregon.
| Insurance Company | Annual Average Insurance Rate |
|---|---|
| USAA | $1256 |
| State Farm | $759 |
| Allstate | $1556 |
| Country Financial | $1190 |
| Progressive | $788 |
| American Family | $1075 |
Credit scores are crucial in determining insurance premium rates. A good to excellent credit score can keep your insurance premium rates under check. If you have a driving infraction on your record, a good credit score can help maintain it. However, an SR-22 with a low credit score will be a horned dilemma with higher car insurance rates.
| Credit Tier | Avg. Monthly Rate - No Violation | Avg. Monthly Rate - SR-22 |
|---|---|---|
| Excellent | $160 | $197 |
| Good | $178 | $219 |
| Average | $179 | $221 |
| Poor | $193 | $238 |
Finalize your Provider
Your current insurance company may not provide you with SR-22 insurance. Thus, you must research, shop around, compare and finalize your provider.
Payment of SR-22 Fee
You'll have to pay between $15 and $50 to the provider as the provider needs to fill in the form on your behalf to the Oregon DMV.
File proof of Insurance
Once you purchase the insurance, your provider will file the SR-22 form, which serves as proof of insurance, with the Oregon DMV.
Receive Confirmation
After the Oregon DMV processes the SR-22 form, both the DMV and your insurance company should send you a letter confirming that you have insurance coverage and that you are once again permitted to drive legally in the state.
Maintaining a spotless driving record is vital for controlling your insurance premiums. However, having a conviction on record can make it difficult to reduce insurance prices. With few options available, comparing insurance quotes should give you a sense of the average rates. Even submitting an SR-22 form can help select a cost-effective option.
Make use of the online quotes that insurance companies now provide. Choosing the one that suits your needs is best possible through this research. Way.com is the quickest and easiest way to compare quotes in Oregon.
A good credit score indicates fewer claims. A good credit score can significantly reduce your premium rates if the offense is not repeated.
Once you have filed for SR-22 insurance, you will have to forget the good driver discounts you once enjoyed. But you must always look for the other available discounts the insurance companies offer. For example, multipolicy, telematics, and bundling discounts can significantly affect the rates.
Higher deductibles reduce vehicle insurance premiums even though they can reduce your accident claim. First, compare deductible alternatives to discover if a reduced deductible offers savings, then choose one that meets your budget and comfort level.
Insurance companies will reduce the total amount to be paid if you pay your premium in full.
You might want to consider usage-based insurance if you are not a frequent driver but are a high-risk driver due to infractions.
You can satisfy the requirement of SR-22 insurance after a driving infraction, even if you don't own a car. This is possible through the non-owner SR-22 insurance in Oregon. Opting for the non-owner SR-22 insurance will reinstate the driving privileges you lost after the violation.
Since the non-owner SR-22 insurance offers only liability insurance, it is cheaper than Oregon's average car insurance rates. The companies that offer the best rates for non-insurance SR-22 are discussed below.
The average rate for non-owner SR-22 insurance in Oregon is $765. USAA offers the cheapest rates for the same, followed by State Farm.
| Insurance Company | Annual Average Insurance Rate |
|---|---|
| USAA | $369 |
| State Farm | $473 |
| Travelers | $554 |
| Progressive | $645 |
The first step in resolving issues after a traffic violation is to look for appropriate insurance coverage. Unfortunately, after filing an SR-22, your insurance prices may rise. Way.com finds the finest deals from the top insurance companies in Oregon.
Your insurance premiums can increase after filing an SR-22. Way.com helps you compare the quotes and finalize the insurance company that provides you with affordable SR-22 insurance in Oregon.
| SR-22 Needed After | Serious traffic offense and/or suspension of the license |
| Required For | 3 years |
| Average Rate Increase | $37 |
| Minimum Bodily Injury Liability Coverage | $50,000 per person / $100,000 per accident |
| Minimum Property Damage Liability Coverage | $10,000 |
| Additional coverage required | Personal injury protection - $250,000 |
| Property protection insurance - $10000 |
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Way.com’s Insurance Broker Quote Data
The Oregon DMV requires drivers to have SR-22 insurance coverage for three years. However, this period may be extended if the driver receives more offenses.
Even if you register a car or have a driver's license in another state, you must retain your SR-22 in Oregon until your SR-22 requirement is fulfilled.
You must satisfy the requirement of SR-22 insurance even if you don't own a car through the non-owner SR-22 insurance in Oregon.
High-risk drivers who have committed offenses like DUI, driving without insurance or license, or driving an uninsured car during an accident can all lead to an SR-22 requirement.
The average yearly cost of a minimum coverage policy in Oregon is $1142. However, a DUI conviction can increase the rates by at least 30%, raising the premiums to $1956.
State Farm and USAA offer the cheapest rates for SR-22 insurance in Oregon.
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