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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 convicted of DUI, caught driving uninsured, or who cause an accident without insurance typically face SR-22 filing requirements administered by the Oregon Driver and Motor Vehicle Services (DMV). The SR-22 filing period generally lasts 3 years from the date of violation, and any lapse in coverage during that period restarts the clock.

Liability Insurance

Oregon mandates 25/50/20 liability minimums, but these limits are often insufficient for high-risk drivers facing civil liability after an at-fault accident.

SR-22 Insurance

SR-22 is not a type of insurance but a certificate of financial responsibility filed by your insurer with Oregon DMV to prove continuous coverage. DUI violations typically trigger the highest premiums, while license suspensions for failure to pay tickets result in lower rate impacts.

Full Coverage

Full coverage combines liability, comprehensive, and collision protection and is required by lenders if you finance or lease a vehicle during your SR-22 period.

Uninsured/Underinsured Motorist Coverage

If an uninsured driver causes an accident during your SR-22 period and you lack UM/UIM, you face out-of-pocket medical bills and vehicle repair costs with no recourse.

Non-Standard Auto Insurance

Non-standard carriers specialize in high-risk profiles including DUI convictions, suspended licenses, and lapsed coverage. These insurers often have more flexible underwriting than standard carriers and can file SR-22 certificates electronically with Oregon DMV within 24–48 hours of binding coverage.

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

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Find Coverage After a Traffic Violation

Coverage Types

SR-22 Insurance

Certificate of financial responsibility filed by your insurer with Oregon DMV proving continuous coverage for 3 years. Required after DUI, uninsured driving, or certain license suspensions.

Non-Standard Auto Insurance

Policies designed for high-risk drivers who cannot obtain coverage from standard carriers due to violations, lapses, or claims history.

Liability Insurance

Covers bodily injury and property damage you cause to others in an at-fault accident. Oregon requires 25/50/20 minimums, but higher limits reduce personal liability exposure.

Full Coverage

Liability plus comprehensive and collision coverage protecting your own vehicle from damage, theft, vandalism, and at-fault accidents.

Uninsured Motorist Coverage

Protects you when an at-fault driver lacks insurance or carries insufficient limits. Covers medical bills, lost wages, and vehicle damage.

High-Risk Auto Insurance

Umbrella term for policies written for drivers with DUI convictions, multiple violations, at-fault accidents, or SR-22 requirements.

Find Your City in Oregon

Portland

urban

Eugene

urban

Salem

urban

Gresham

suburban

Hillsboro

suburban

Bend

urban

Medford

urban

Springfield

suburban