Updated March 2026
State Requirements
Oregon mandates minimum liability coverage of 25/50/20: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $20,000 for property damage. Drivers who accumulate 20 or more points within 24 months face license suspension. SR-22 filing is required following DUI convictions, driving while suspended, major violations, and failure to maintain insurance. For drivers with violations or at-fault accidents, these state minimums often prove insufficient to protect assets or satisfy lender requirements.
Cost Overview
High-risk auto insurance premiums in Oregon vary significantly based on violation type, driving history, age, location, and vehicle. A single DUI typically increases premiums by 60–90%, while a speeding ticket may raise rates by 20–40%. Drivers with multiple violations, SR-22 requirements, or at-fault accidents while uninsured face the steepest increases and often require non-standard carriers.
What Affects Your Rate
- Violation type and severity — DUI convictions increase premiums 60–90%, while speeding tickets raise rates 20–40%
- SR-22 filing requirement — adds $1,200–$2,800 annually on top of violation-based increases
- Number of points on driving record — Oregon uses a tiered suspension system with 20 points in 24 months triggering suspension
- At-fault accident history — each at-fault accident raises premiums by an average of 30–50% for 3–5 years
- Location within Oregon — Portland metro area premiums run 15–25% higher than rural counties due to claim frequency and congestion
- Age and experience — drivers under 25 with violations face compounded increases, often paying double standard high-risk rates
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Frequently Asked Questions
Sources
- Oregon Department of Transportation Driver and Motor Vehicle Services
- Oregon Department of Consumer and Business Services Insurance Division
- Oregon Revised Statutes Chapter 806 (Driving Privileges)