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Oregon SR22 Insurance

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Oregon SR22 Insurance requirements and certificate of insurance filings for suspended and hardship license in OR. We can help.  Cheapest non owner SR22 auto insurance in Oregon

The state of Oregon requires all drivers to carry liability insurance with limits 25/50/20 Updated February 03, 2024

$25,000 for bodily injury to 1 person
$50,000 for bodily injury to 2 or more people
$20,000 for property damage
$25,000 uninsured motorist bodily injury for 1 person
$50,000 uninsured motorist bodily injury for 2 or more people
$15,000 PIP (personal injury protection) if auto is owned

Whether you need non owner Oregon SR22 insurance, auto SR22 insurance, motorcycle, or an out of state insurance filing, get the cheapest sr22 insurance quote here.

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Wessell Insurance Services can fulfill your SR22 needs in the state of Oregon. We work with several insurance carriers throughout Oregon, we can satisfy your SR22 obligations with the DMV quickly and at an affordable price.  We have helped drivers get their license reinstated the same day by electronically filing all required documents.

Certain violations require SR22 high risk auto insurance filing which is simply a document filed by an insurance provider with the state, for the purpose of showing proof of financial responsibility. This process will reinstate your suspended drivers license with the Department of Motor Vehicles in Salem and allow you to restore your driving privileges. The court will determine whether you need SR22 insurance, and for how long, usually 3 years.

It is necessary to maintain insurance coverage during the time frame that the court mandates. If coverage lapses during the determined time frame the state will suspend drivers license. If you move out of state while carrying SR22 insurance you must continue your coverage in the state the infraction occurred for the duration already determined by the court.

There are a few ways to meet your legal obligations and reinstate your OR license

You can file an SR22 on different policies, these three policies are:
1) Auto Owner policy – which is a standard auto insurance policy that covers a driver on their own personal car / vehicle

2) Non owner or Operator Only policy – is an auto insurance policy which covers a driver for vehicles that they don’t own. A driver who does not have a vehicle registered to their name may purchase a non-owner policy. Non-owner policies cost far less and carry significantly lower premiums, while still meeting compliance for all SR22 requirements. A non owner policy is typically used when you need an out of state insurance filing.
3) Motorcycle policy – A standard cycle policy with a certificate of financial responsibility attached. This policy can be a full coverage or liability only policy.

SR-22 financial responsibility high risk auto insurance is required for such violations as:
-serious moving violations, ie… reckless driving, speeding
-failure to provide valid proof of insurance or providing false documents
-driving on suspended or revoked license
-excessive tickets
-unpaid legal judgements
-failure to pay child support

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FOR Faster Service Call – 1-866-663-7561. Get Your License Back Today!  Cheapest non owner SR22 auto insurance in Oregon

For additional information on SR22 contact:

Oregon Motor Vehicles
Regulation Section
1905 Lana Avenue NE
Salem, OR 97314 phone 503 945 5000  oregon.gov/odot

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