Oregon SR22 INSURANCE
Oregon SR22 INSURANCE
OREGON SR22 INSURANCE
If your driver’s license was suspended in Oregon, chances are you’ll be required to file an SR-22 form by your state or court. SR22 forms are required if you’ve committed a certain driving violation such as a DUI or driving without car insurance. An SR-22 form is filed with the Oregon Department of Motor Vehicles by your insurance company. It proves to the state of Oregon that you have at least the minimum required car insurance coverage and is often called a proof of future responsibility.
- What is SR22 Insurance in Oregon?
- Reasons why you need SR22 Insurance in Oregon
- How long is SR22 insurance coverage required in Oregon?
- Oregon SR22 insurance rates
- How to Obtain SR22 Insurance in Oregon?
- Non-Owner SR-22 Insurance in Oregon
- What will happen if I let my SR22 Insurance lapse?
What is SR22 Insurance in Oregon?
SR-22 is not an insurance policy but a form that your insurer uses to prove your insurance coverage meets your state’s minimum liability coverage requirements. SR-22 insurance is a mandatory requirement in Oregon if you have committed a serious violation such as a DUI or reckless driving. Your insurer files the form on your behalf. If you do not obtain an SR-22 when you need to, your driver’s license will be suspended.
Oregon drivers who need to file an SR-22 must first prove that they meet the state’s minimum auto insurance requirements, which are as follows:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $20,000 property damage liability per accident
Reasons why you need SR22 Insurance in Oregon
If you need SR22 insurance, you should expect your car insurance rates to increase, perhaps significantly. Unfortunately, there are a number of other fees you may be required to pay as well. Most likely, your insurance company will charge you a fee to file the SR22 on top of your car insurance rates. This fee varies by company but tends to be between $15 and $30.
If your license was suspended or revoked, you’ll have to pay a reinstatement fee, which can vary based on your conviction. Additionally, you may have to pay fees and fines depending on the violation you committed. For example, if you’ve been convicted of a DUI, there are many penalties that can include fees.
When you’re required to have an SR22, you get placed into the category of a high-risk or non-standard driver. High-risk drivers tend to pay the highest car insurance rates, but the cost of car insurance can vary by company and by state. There are many other factors that go into the cost of SR-22 insurance in Oregon, such as your age, gender, location, credit score, vehicle type, marital status and so on.
One of the most common reasons drivers need SR-22 insurance is because of a DUI conviction. On average, drivers with one DUI conviction in Oregon pay $1,710 per year for car insurance. That’s 61.5 percent more than car insurance for a driver with a clean driving record.
How to Obtain SR22 Insurance in Oregon?
If you are required to carry SR-22 insurance, your first step is to contact your current insurance carrier to see if they can file the SR-22 form on your behalf. Not all companies will provide SR-22 insurance, and if yours doesn’t, you’ll need to find another carrier.
You will then need to pay the fee to your insurance company for them to file your SR-22 form directly with the Oregon Department of Motor Vehicles (DMV), providing proof of coverage.
You should then receive a confirmation from both the DMV and your insurance provider after the SR-22 form is processed, so you will know you are eligible to legally drive again.
You will probably have to continue with your SR-22 insurance for three years if you accrue no more driving offenses during the time period.
The property damage will provide coverage for the driver and
whomever is driving the vehicle in the case of an accident.
If you or a family member are driving and involved in a accident the insurance company will pay for damages occurred from the accident up to $25,000. If there is damages above and beyond that you will be responsible for the remaining money owed.
Regardless of your driving history, we’re here to help. Ready to get started? Sit back, relax,
and discover an easier way to get the coverage you need.
Non-Owner SR22 Insurance in Oregon
If you need affordable car insurance but don’t own a car, the most convenient option is non-owner SR-22 insurance in Oregon. Drivers who don’t own a vehicle can use this policy to get their driving privileges reinstated after committing a traffic violation. The non-owner insurance policy from insurers in Oregon is cheaper than the coverage for car owners. It’s an excellent way for drivers who regularly rent or borrow cars to save money.
What will happen if I let my SR22 Insurance lapse?
If your insurance policy is canceled, your insurer will notify the Oregon DMV. If you let your SR-22 insurance lapse, you could face:
- A loss of driving privileges
- Reinstatement fees
- Increased premium rates
You can avoid a lapse in policy by staying on top of renewal and renewing your policy up to 30 days early to account for any delays.
SR-22 Insurance offers some of the best rates from the best insurance companies in Oregon. Our licensed staff will help you with your SR22 filing and make sure you understand the process. We make buying SR22 insurance in Oregon a comfortable and easy experience.
Get a quote today by following our 5 step quote process.
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