SR-22 After DUI
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Oregon DUI SR-22 Insurance: Cost & Filing Requirements

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

$85

State license reinstatement fee

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Oregon

Oregon operates under a tort-based liability system, meaning the at-fault driver's insurance pays for damages. After a DUI conviction, the Oregon Department of Transportation Driver and Motor Vehicle Services Division requires SR-22 filing as proof of insurance before license reinstatement. Your filing period starts on your reinstatement date, not your conviction date, which commonly adds weeks or months to the total timeline if you delay getting coverage.

Bodily Injury Liability

Pays medical bills, lost wages, and legal costs when you injure someone in an accident you cause. Oregon's 25/50 minimum covers less than one week in a trauma unit. Most non-standard carriers writing DUI policies recommend doubling these limits to avoid out-of-pocket exposure in injury crashes, which increase your personal liability if you're already on probation.

Property Damage Liability

Covers damage to other vehicles, structures, and property you hit. If you cause a multi-vehicle crash on I-5 or Highway 26, one accident can exceed this limit and trigger a second license suspension for failure to satisfy a judgment.

SR-22 Certificate of Financial Responsibility

The SR-22 is not insurance — it's a filing your carrier submits electronically to Oregon DMV proving you maintain continuous coverage. Any lapse, even one day, triggers an automatic suspension notice and restarts your 3-year clock. Oregon does not mail grace-period warnings. Your carrier files the cancellation notice the day your policy lapses, and DMV suspends your license within 10 days.

Uninsured Motorist Coverage

Oregon law requires carriers to offer UM/UIM coverage at the same limits as your liability policy. If you don't reject it in writing at policy inception, it's added automatically and you pay for it.

Non-Owner SR-22 Insurance

If you don't own a vehicle but need SR-22 to reinstate your license, non-owner SR-22 provides liability coverage when you borrow or rent a car. This does not cover a vehicle you regularly use — if you drive a household member's car more than twice a week, you need to be listed on their policy or carry your own standard policy.

What Drivers Pay in Oregon

$318–$376/mo

Typical monthly rate in Oregon, drivers with an SR-22 after a DUI

Rate data: ValuePenguin and NerdWallet, 2026

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Find an Insurer That Will File After a DUI

Get SR-22 Coverage After a DUI

If your license is suspended

Hardship Permit

application fee $75.

A coverage lapse is reported

The state can act when your insurance lapses.

Source: state DMV, insurance department and statute records, verified July 2026

Frequently Asked Questions

How long do I need SR-22 after a DUI in Oregon?

Oregon requires SR-22 filing for 3 years after a DUI conviction. Your filing period starts on your reinstatement date, not your conviction date, which means any delay in getting coverage adds to your total timeline. If your policy lapses even one day during the 3-year period, Oregon DMV suspends your license and restarts the clock from zero.

Do I need SR-22 or FR-44 in Oregon?

Oregon requires SR-22, not FR-44. FR-44 applies only to Florida and Virginia DUI convictions and requires higher liability limits than Oregon's minimums. If you move to Oregon from Florida or Virginia with an active FR-44 requirement, contact the Oregon Department of Transportation to confirm whether your out-of-state filing transfers or whether you need to file Oregon SR-22 separately.

Which insurance companies write SR-22 policies for DUI in Oregon?

Most mainstream carriers like State Farm, Geico, and Progressive will file SR-22 for existing customers but typically non-renew at policy term after a DUI. New DUI policies require non-standard carriers: Bristol West, Dairyland, The General, GAINSCO, Acceptance, and Safe Auto operate in Oregon. Availability varies by county — Multnomah, Clackamas, Washington, and Lane counties have the most options, while rural counties like Harney and Malheur may have only one or two carriers.

Does Oregon SR-22 filing period start from conviction date or reinstatement date?

Oregon's 3-year SR-22 filing period starts from your reinstatement date, not your conviction date. If you delay getting coverage and reinstating your license, you extend the total time you're under SR-22 requirement. File SR-22 and reinstate as soon as your suspension period ends to avoid adding months to your compliance timeline.

Coverage Types

SR-22 Insurance

Electronic filing proving you carry Oregon's minimum liability coverage. Required for 3 years after DUI conviction, starting from reinstatement date.

Non-Owner SR-22

Liability-only policy for drivers who don't own a vehicle but need SR-22 to reinstate their Oregon license.

Liability Insurance

Covers bodily injury and property damage you cause to others. Oregon requires 25/50/20 minimums, but most injury crashes exceed these limits.

Uninsured Motorist Coverage

Pays your medical bills and lost wages when hit by a driver with no insurance or insufficient coverage.

Non-Standard Auto Insurance

Policies designed for high-risk drivers including DUI convictions. Most mainstream carriers non-renew at term after a DUI, pushing you into the non-standard market.

Find Your City in Oregon

Portland

urban

Eugene

urban

Salem

urban

Gresham

suburban

Hillsboro

suburban

Bend

urban

Medford

urban

Springfield

suburban