Oregon SR-22 Insurance After DUI & Suspensions

Oregon's 25/50/20 minimums are mandatory for all drivers and must be certified via SR-22 for high-risk profiles. Post-SR22 drivers often qualify for 50/100/50 or 100/300/100 limits at competitive rates once the filing ends, which provides better protection and signals reliability to standard carriers.

Oregon requires uninsured/underinsured motorist coverage matching your liability limits unless you reject it in writing.

Full coverage combines liability, comprehensive, and collision and is required by lenders if you finance or lease a vehicle.

Comprehensive covers non-collision damage including theft, vandalism, weather, and animal strikes—common risks in Oregon where deer collisions and storm damage are frequent.

SR-22 is not a separate insurance policy but a filing that certifies you carry at least Oregon's minimum liability coverage. Non-standard carriers file SR-22 electronically with the Oregon DMV, and any lapse triggers immediate suspension. Once your 3-year requirement ends, the SR-22 itself is removed but the underlying violation remains on your Oregon driving record for 5 years, continuing to affect rates until it fully ages off.