Oregon SR-22 & High-Risk Auto Insurance
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
No
A defensive driving course does not remove points here
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
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.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Full Coverage
Non-Standard Auto Insurance
Cost Overview
$235–$257/mo
Typical monthly rate in Oregon, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- Number of points on driving record — Oregon uses a tiered suspension system with 20 points in 24 months triggering suspension
- Age and experience — drivers under 25 with violations face compounded increases, often paying double standard high-risk rates
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See Carriers That Cover YouFrequently Asked Questions
How many points suspend your license in Oregon?
Oregon suspends your license if you accumulate 20 or more points within any 24-month period. Points vary by violation: speeding 10+ mph over is 4 points, reckless driving is 8 points, and DUI is typically handled separately with immediate suspension. Points remain on your driving record for 2 years but affect insurance rates for 3–5 years.
How long do points stay on your driving record in Oregon?
Points remain on your Oregon driving record for 2 years from the violation date. However, insurance companies typically consider violations for rate calculations for 3–5 years regardless of point status. A speeding ticket may stop adding points after 2 years but will continue affecting your premiums for an additional 1–3 years depending on the insurer.
Coverage Types
Liability Insurance
Covers injury and property damage you cause to others. Oregon's 25/50/20 minimums are legally sufficient but financially inadequate for most serious accidents involving multiple injuries or totaled vehicles.
SR-22 Insurance
Proof-of-insurance certificate filed with the Oregon DMV for drivers with DUI, major suspensions, or uninsured accidents. The filing costs $15–$25 but the high-risk classification raises premiums substantially.
Uninsured Motorist Coverage
Protects you if you're hit by a driver without insurance or a hit-and-run driver. Covers medical bills, lost wages, and vehicle damage up to your policy limits.
Full Coverage
Combines liability, collision, and comprehensive coverage. Required by lenders on financed vehicles and provides maximum protection for your vehicle and financial exposure.
Non-Standard Auto Insurance
Specialized coverage for drivers with DUI, suspensions, lapses, or multiple violations. Non-standard carriers accept higher-risk profiles standard insurers decline or price unaffordably.
Collision Coverage
Pays for damage to your vehicle after a collision with another vehicle or object, regardless of fault. Required by lenders and especially valuable for high-risk drivers who statistically face higher accident likelihood.