SR-22 Insurance in Oregon
Quick answer: Oregon requires drivers with certain violations to file a SR-22 for 3 years. The filing fee is $25 and the average SR-22 policy costs about $155/month. The best carriers for Oregon are Progressive, The General, Dairyland (Sentry).
Oregon DMV requires SR-22 for 3 years and enforces mandatory alcohol-treatment program completion.
Oregon SR-22 at a glance
| Form Required | SR-22 |
|---|---|
| Filing Fee | $25 (one-time) |
| Filing Period | 3 years continuous |
| Minimum Liability | 25/50/20 ($1,000s: BI/person / BI/accident / PD) |
| Avg Monthly Cost (SR-22) | $155 |
| Typical DUI License Suspension | 12 months (first offense) |
| DMV Website | www.oregon.gov/odot/dmv/ |
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Best SR-22 insurance companies in Oregon
These carriers are the top-rated SR-22 providers for Oregon drivers based on price, filing speed, and financial strength:
| Rank | Company | Starts At | SR-22 Filing | Notes |
|---|---|---|---|---|
| 1 | Progressive | $110/mo | Yes | Files SR-22 electronically in most states within 24-48 hrs. |
| 2 | The General | $85/mo | Yes | Low down-payment options and monthly billing. |
| 3 | Dairyland (Sentry) | $75/mo | Yes | Purpose-built non-standard carrier. Fast electronic filing. |
How to get an SR-22 in Oregon: step-by-step
- Confirm the requirement. Check your Oregon DMV letter or driver record for the exact filing requirement and start date.
- Get quotes from 3+ carriers. Focus on non-standard specialists: Progressive, The General, Dairyland (Sentry).
- Bind a policy and request SR-22 filing. Pay the $25 filing fee and any required down payment.
- Wait 24–48 hours for electronic filing. Oregon DMV updates records daily.
- Pay the Oregon reinstatement fee if required. Check your DMV letter — this is separate from the SR-22 filing fee.
- Maintain the policy continuously for 3 years. Any lapse restarts the clock and re-suspends your license.
Watch out for Oregon-specific rules
Oregon DUI suspensions last 12 months for a first offense. Do not let your policy lapse — Oregon DMV is notified within 10 days and will automatically re-suspend your license.
Oregon DUI insurance costs
After a DUI in Oregon, most drivers see their premium rise 70–110%. Average full-coverage premium climbs from about $82/month (clean record) to about $155/month (with SR-22). Some carriers non-renew after DUI, so non-standard specialists are usually your best bet.
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We match you with high-risk carriers who file SR-22 fast — same-day filing available.
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Frequently Asked Questions
How much does SR-22 insurance cost in Oregon?
The average SR-22 policy in Oregon costs about $155/month for full coverage, plus a one-time $25 filing fee. Non-standard carriers like Progressive and The General typically offer the lowest rates.
How long is SR-22 required in Oregon?
Oregon requires SR-22 to be maintained for 3 years continuously. Any lapse in coverage restarts the 3-year clock and triggers an automatic license suspension.
What is the minimum liability in Oregon?
Oregon's minimum liability limits are 25/50/20 (bodily injury per person / per accident / property damage, in $1,000s). Your SR-22 must certify at least these limits.
Does Oregon use SR-22 or FR-44?
Oregon uses SR-22.
How do I file an SR-22 in Oregon?
In Oregon, your insurance carrier files the SR-22 electronically with the Oregon DMV. You never file it yourself. Choose a carrier that files SR-22 (see below), pay any down payment, and request filing when you bind the policy. Filing is usually complete within 24–48 hours.