Home Car insurance SR-22 insurance: What is it and how does it work? Cheapest SR-22 insurance in Oregon Cheapest SR-22 insurance in Oregon The cheapest SR-22 insurance policies in Oregon are offered by GEICO, at $1,114 a year, and Nationwide, at $1,302 a year. View Carriers Please enter valid zip Compare top carriers in your area Written by Bob Haegele Bob Haegele Bob Haegele is a personal finance writer. He covers car insurance, health insurance and life insurance. While working in the corporate world he started a personal finance blog. He later left his corporate job and began freelance writing full-time. Since then, he has made it his mission to help people master their money. His work has been featured in Business Insider, Forbes Advisor, Bankrate, FinanceBuzz and others. | Reviewed by John McCormick John McCormick John McCormick is an insurance expert and the editorial director for QuinStreet's insurance sites -- CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, he was a deputy editor at The Wall Street Journal and was an editor and reporter at several media outlets where he covered insurance, personal finance and technology. | Expert insight from Sebastian Hov Sebastian Hov CEO, 18 Insurance.Go to comment | Updated on: June 19, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. In Oregon, the cheapest SR-22 insurance options are offered by GEICO at $1,114 per year and Nationwide at $1,302 per year. The cost of SR-22 insurance depends on your location, driving history, and insurance provider.An SR-22 isn’t a type of insurance. It’s a certificate of financial responsibility that proves you meet your state’s minimum car insurance requirements. It’s often required after serious driving violations, such as a DUI, reckless driving, or driving without insurance. If you’ve been ordered to file an SR-22, you might be worried about the impact on your car insurance costs. Unfortunately, having an SR-22 on your record usually leads to higher premiums, and some carriers won’t cover such drivers, so finding affordable options is essential.Whether you’re looking for a budget-friendly policy or just trying to learn more about SR-22s, this guide has the information you need to get back on the road without breaking the bank.What is an SR-22?An SR-22 certificate of financial responsibility proves you have the minimum liability insurance coverage your state requires. If you’re considered a high-risk driver because of traffic violations, a DUI/DWI conviction, or other reasons, your state or a court might require you to get an SR-22. This is a certificate your insurance company files on your behalf with your state Department of Motor Vehicle (DMV).An SR-22 isn’t a type of insurance, but it’s often required after serious offenses. Having an SR-22 can make your insurance more expensive, and not all insurers will cover you because you’re considered a high-risk driver.Key TakeawaysSR-22 car insurance in Oregon costs $1,653, on average.GEICO offers the cheapest SR-22 insurance policies in Oregon at $1,114 per year.SR-22 insurance isn’t a separate policy, but a form your insurance company files to with the state DMV to prove you have the required minimum coverage.Do I need to buy SR-22 insurance in Oregon?As mentioned earlier, an SR-22 isn’t an insurance policy; it’s a form your insurance company files with your state’s DMV. This form informs the state that you still carry the minimum required insurance despite certain driving offenses on your record. The filing fee is generally inexpensive, though insurance with an SR-22 can be costly.Examples of offenses that might require an SR-22:DUI, DWI or other serious moving violationsReckless drivingAccidents resulting in suspension or revocationAccumulation of too many driving violation pointsDriving without insuranceIf you have any of these offenses on your record, you may need an SR-22. Once you buy an insurance plan that meets your state’s requirements, request your insurer to file the SR-22 form with the DMV.You usually need to keep an SR-22 for at least three years. Failing to do so could lead to a license suspension.Average SR-22 car insurance cost in OregonThe average SR-22 car insurance cost in Oregon is $1,653. This is $638 higher than in New Hampshire, which has the cheapest SR-22 insurance.However, it’s also $2,388 less expensive than in Michigan, the most expensive state for SR-22 insurance. The cost of SR-22 insurance depends on several factors, such as why you need the SR-22, your driving history, and where you live.Cheapest SR-22 insurance companies in OregonHaving an SR-22 usually raises your insurance rates, but not all companies charge the same rates. The companies below offer some of the cheapest rates in Oregon.CompanyAverage annual premiumAverage monthly premiumGEICO$1,114 $93 Nationwide$1,302 $109 Auto-Owners$1,395 $116 Travelers$1,402 $117 State Farm$1,565 $130 Kemper Insurance$1,831 $153 Progressive$1,853 $154 American Family$1,919 $160 Allstate$2,173 $181 Farmers$2,443 $204 USAA*$1,184 $99 Note: USAA is only available to military community members and their families. You might find interesting The best, cheapest car insurance in OregonOregon car insurance calculatorNon-owner auto insurance in Oregon: Which company has the cheapest rates?Best and cheapest companies for home and auto bundles in Oregon Cheap SR-22 insurance in Oregon by cityAs mentioned earlier, where you live can also make a big difference in the cost of SR-22 insurance. Below, you’ll find the cheapest rates for SR-22 insurance for most cities in Oregon.CityAverage annual premiumLostine$863 Hammond$951 Cottage Grove$952 Banks$1,020 Willamina$1,027 Four Corners$1,046 Lake Oswego$1,062 Dundee$1,067 Milwaukie$1,073 Yamhill$1,088 Portland$1,138 SR-22 insurance requirements in OregonThe Oregon DMV requires all drivers to meet the following minimum requirements for car insurance coverage:$25,000 for injury/death per person$50,000 for injury/death per accident$20,000 for damage to property per accidentThese are just the minimum requirements. Experts advise drivers to get more than the minimum insurance. It may lead to a higher premium, but the extra coverage could be well worth it.How much does SR-22 in Oregon cost with a DUI?Some insurance companies are much more forgiving than others if you have a DUI. Some charge a few hundred dollars more, while others charge thousands more per year.Note: In the table below, “filing only” represents the cost of a policy including the fee to file the SR-22 – without considering the reason why someone needed an SR-22.CompanySR-22 with 1 DUISR-22 Filing onlyState Farm$1,722 $1,565 Auto-Owners$2,035 $1,395 Progressive$2,217 $1,853 Travelers$2,223 $1,402 American Family$2,520 $1,919 GEICO$2,536 $1,114 Allstate$2,675 $2,173 Nationwide$2,700 $1,302 Farmers$3,330 $2,443 Kemper Insurance$3,678 $1,831 USAA*$1,971 $1,184 Note: USAA is only available to military community members and their families. How to get the cheapest SR-22 insurance in OregonIf you need an SR-22 in Oregon, your insurance premiums might be very high. However, there are ways to save on car insurance, whether you need an SR-22 or not.First, it’s a good idea to shop around. Different insurance companies can offer very different rates. Some companies specialize in high-risk drivers and may give you better SR-22 rates.Another way to lower your insurance costs with an SR-22 is to improve your driving record. It might take some effort, but it’s worth it if you want better rates. A simple step is taking a defensive driving course, which can result in having points removed from your record. Check with your insurer to see if completing such a class could get you a discount. You can also look into usage-based insurance. These programs use technology to monitor your driving habits in exchange for (potentially) lower rates.Sebastian Hov, CEO of 18 Insurance, an insurance agency based in Sacramento, California, recommends the following:Shop around. Different insurance companies offer varying rates for SR-22 insurance. It’s crucial to compare quotes from multiple providers to find the best option.Pay upfront. Paying your premium in full rather than in monthly installments can sometimes result in lower overall costs.Opt for non-owner insurance. If you don’t own a vehicle but need to maintain SR-22 coverage, non-owner car insurance can be 5% to 15% cheaper than a standard policy.Non-owner SR-22 insurance in OregonAnother term that’s sometimes used when talking about SR-22 is “non-owner SR-22 insurance.” This usually refers to liability insurance for people who don’t own a car but need to reinstate their license after it is suspended or revoked. This is often a requirement after a DUI, DWI, or several moving violations.Non-owner insurance provides secondary coverage when driving cars you don’t own, such as a vehicle you borrow or rent.If you find yourself regularly driving a borrowed or rented vehicle, you should probably apply for a non-owner insurance policy. These policies have certain benefits, like costing less than traditional insurance. Read more about how non-owners car insurance works in Oregon Who needs SR-22 insurance?Remember, an SR-22 is not a separate insurance policy. It’s a certificate that proves to your state’s DMV that you have the required minimum insurance coverage.For example, if you have a DUI, the state will require you to show that you have enough insurance to meet financial responsible.Remember, not all driving offenses need an SR-22. You’ll be notified if you do. If you’re unsure, check with your local DMV office or a lawyer who specializes in traffic law.How long do you need SR-22 insurance in Oregon?You typically need to maintain an SR-22 for three years.In some cases, the time you need to maintain an SR-22 could be longer or shorter. The length of the SR-22 period will depend on your driving history and how serious the offense is.The bottom line on SR-22 in OregonThe average SR-22 insurance rate in Oregon is $1,653, while the average cost of car insurance in Oregon is $1,502. This means SR-22 insurance in Oregon costs $151 more per year.Keep in mind that there are numerous factors that affect the auto insurance premiums.What our expert says Q: How can you save on SR-22 insurance? Sebastian HovCEO, 18 Insurance. “Shop around: Different insurance companies offer varying rates for SR-22 insurance. It’s crucial to compare quotes from multiple providers to find the best option.” Resources and MethodologySources:Shouse Law Group. “SR22 Oregon.” Accessed June 2025.Progressive Insurance. “What is an SR-22?” Accessed June 2025.MethodologyInsure.com gathered rates from Quadrant Information Services for all states, including Washington, D.C. The rates are based on a sample driving profile of a 40-year-old male and female who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes. We analyzed 5,000,736 insurance quotes from 27 companies. Compare SR-22 insurance rates with other statesAlabama$1,702/YearAlaska$1,419/YearArizona$1,916/YearArkansas$1,618/YearCalifornia$2,238/YearColorado$2,177/YearConnecticut$1,654/YearFlorida$3,288/YearGeorgia$1,795/YearHawaii$1,523/YearIdaho$1,115/YearIllinois$1,380/YearIndiana$1,418/YearIowa$1,363/YearKansas$1,581/YearLouisiana$3,390/YearMaine$1,141/YearMaryland$2,020/YearMassachusetts$1,900/YearMichigan$4,041/YearMississippi$1,502/YearMissouri$2,504/YearMontana$1,966/YearNebraska$2,001/YearNevada$2,632/YearNew Hampshire$1,015/YearNew Jersey$2,370/YearNorth Dakota$1,315/YearOhio$1,240/YearRhode Island$1,887/YearSouth Carolina$1,998/YearSouth Dakota$1,681/YearTennessee$1,458/YearTexas$2,113/YearUtah$1,816/YearVermont$1,140/YearVirginia$1,343/YearWashington$1,473/YearWashington, D.C.$2,065/YearWest Virginia$1,520/YearWisconsin$1,738/YearWyoming$1,808/YearShow moreBob HaegeleContributing Researcher | . .Bob Haegele is a personal finance writer. He covers car insurance, health insurance and life insurance. While working in the corporate world he started a personal finance blog. He later left his corporate job and began freelance writing full-time. Since then, he has made it his mission to help people master their money. His work has been featured in Business Insider, Forbes Advisor, Bankrate, FinanceBuzz and others. In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? How much does car insurance cost for seniors in 2025? A complete guide to adding a teenager to your car insurance policy in 2025 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page What is an SR-22?Do I need to buy SR-22 insurance in Oregon?Average SR-22 car insurance cost in OregonCheapest SR-22 insurance companies in OregonCheap SR-22 insurance in Oregon by citySR-22 insurance requirements in OregonHow much does SR-22 in Oregon cost with a DUI?How to get the cheapest SR-22 insurance in OregonNon-owner SR-22 insurance in OregonWho needs SR-22 insurance?How long do you need SR-22 insurance in Oregon?The bottom line on SR-22 in OregonWhat our expert saysResources and Methodology ZIP Code Please enter valid ZIP See rates (844)-645-3330