Official Oregon Guide

Oregon SR-22 Insurance

A complete roadmap to satisfying Oregon DMV requirements. Compare rates, understand liability limits, and get your license reinstated today.

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Min. Liability

25/50/20

$25k BI / $50k Total / $20k PD

Mandate Term

3 Years

Standard for most violations

Filing Fee

~$15 - $25

One-time administrative cost

How Oregon SR-22 Filing Works

In Oregon, the SR-22 is a "Certificate of Financial Responsibility." It is a digital document filed by your insurance carrier directly with the Oregon Department of Transportation (DMV) in Salem. It serves as proof that you maintain the state's minimum required liability coverage.

The "Re-Suspension" Trap

If your policy cancels or lapses for even one day, your carrier is legally required to file an SR-26 Notice. This triggers an immediate suspension of your license and may reset your 3-year filing period.

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Who Needs to File in OR?

DUII Conviction: Driving Under the Influence of Intoxicants is the most common reason for a filing requirement.
Uninsured Accident: Being involved in a reportable accident while driving without insurance.
Reckless Driving: Serious moving violations often carry a 3-year certificate mandate.
Mandatory Suspension: Any administrative suspension resulting from a lack of financial responsibility.

Don't Own a Car in Oregon?

You can still get reinstated! An Oregon Non-Owner SR-22 Policy covers you as a driver for any vehicle you borrow or rent. It satisfies the Oregon DMV requirement and is typically the most affordable way to restore your license.

Read our full guide on Non-Owner policies

The OR Reinstatement Timeline

Check Requirements

Log into the Oregon DMV 'Online Services' portal or contact a DMV office to verify your specific suspension items.

Secure SR-22

Purchase an qualifying policy. Your insurance company will electronically transmit the certificate to the Salem DMV.

Pay Reinstatement Fee

Pay the mandatory reinstatement fee (typically $75) online or at a DMV field office.

Status Valid

Once the SR-22 is logged and all fees are cleared, your driving privilege is officially restored.

The Cost of Non-Compliance

Driving while suspended or letting your SR-22 lapse carries severe penalties in Oregon:

First Offense

Immediate License Suspension

Court Fines

Fines + Administrative Assessments

SR-22 Period

Reset to Day 1 (Full 3 Years)

Insurance

Policy Cancellation or Non-Renewal

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Oregon Filing FAQs

How much is the filing fee in Oregon?

Most insurance carriers charge a one-time fee of $15-$25 to electronically file the certificate with the DMV. This is separate from your monthly premium.

Can I drive out of state with an OR SR-22?

Yes. Your Oregon SR-22 filing is nationwide proof of insurance. However, you must maintain the Oregon-specific limits (25/50/20) to satisfy the state's requirement.

What is the difference between SR-22 and regular insurance?

Regular insurance is your actual coverage policy. An SR-22 is a specific certificate attached to that policy that triggers an alert to the DMV if the policy cancels.

Can I get a Non-Owner policy in OR?

Yes, Oregon permits Non-Owner SR-22 filings. This is the cheapest option for drivers who do not own a vehicle but need to reinstate their license.

Will my license be suspended if I miss a payment?

Yes. Oregon law requires insurers to notify the DMV immediately (via SR-26) if your policy lapses. This results in an immediate administrative suspension.

How do I remove the SR-22 after 3 years?

Once your 3-year mandate expires, contact the Oregon DMV to confirm the requirement is fulfilled. You can then instruct your insurer to remove the SR-22 endorsement.

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