Oregon SR-22 & High-Risk Auto Insurance
Oregon requires 25/50/20 liability coverage and is an at-fault state.
Find Carriers That Accept PointsOregon 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, driving uninsured, or accumulating excessive violations typically must file SR-22 proof of insurance with the Oregon Department of Motor Vehicles for 3 years. The state uses a point system where 20+ points in 24 months triggers suspension—most violations that require SR-22 also carry points that compound insurance costs.
Liability Insurance
SR-22 Insurance
Non-Standard Auto Insurance
Uninsured Motorist Coverage
Full 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
Stop Overpaying While Your Points Fade
Find Carriers That Accept PointsCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others in an at-fault accident. Oregon requires 25/50/20 minimums, but serious accidents in Portland metro areas often exceed these limits—leaving you personally liable for the difference.
SR-22 Insurance
Certificate filed by your insurer with the Oregon DMV proving continuous liability coverage. Required for 3 years after DUI, reckless driving, uninsured accidents, or license suspensions.
Non-Standard Auto Insurance
Coverage from carriers specializing in high-risk drivers including DUI convictions, suspended licenses, and multiple violations. Often more competitive than standard carriers for drivers with SR-22 requirements.
Uninsured Motorist Coverage
Covers your medical bills and vehicle damage when hit by a driver with no insurance or insufficient limits. Optional in Oregon but recommended given the state's approximately 14% uninsured driver rate.
Full Coverage
Liability plus collision and comprehensive coverage—required by lenders for financed or leased vehicles. High-risk drivers pay 70–120% premium increases for collision and comprehensive due to violation history.
Collision Coverage
Pays to repair or replace your vehicle after an accident regardless of fault. Required by lenders; optional if you own your vehicle outright.