Updated March 2026
State Requirements
Oregon requires 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. Personal injury protection (PIP) of $15,000 is also mandatory. SR-22 filing is required for DUI convictions, license suspensions for driving without insurance, multiple violations within a short period, and at-fault accidents while uninsured. High-risk drivers should consider carrying limits above minimums to protect assets and reduce rate increases after future incidents.
Cost Overview
High-risk auto insurance in Oregon costs substantially more than standard rates due to violation type, SR-22 filing status, and placement with non-standard carriers. A DUI typically doubles or triples premiums, while multiple violations or at-fault accidents while uninsured can push annual costs to $4,000–$5,000 or higher. Rates decrease gradually as violations age off your record — most insurers look back 3–5 years, with DUIs remaining rated for up to 10 years by some carriers.
What Affects Your Rate
- Violation type — DUI/DUII convictions carry the highest surcharges, often 150–300% above standard rates for 3–5 years
- Number of violations — multiple speeding tickets or at-fault accidents within 3 years compound rate increases
- SR-22 filing status — the filing itself costs $15–$35, but indicates high-risk classification requiring non-standard carrier placement
- Time since violation — rates drop as violations age beyond 3 years, with steeper decreases after 5 years when some insurers stop rating the incident
- Location within Oregon — Portland metro area sees higher high-risk premiums than rural counties due to accident frequency and theft rates
- Carrier availability — limited non-standard carrier competition in Oregon means fewer options to shop for better SR-22 rates compared to standard market
Compare Auto Insurance Rates in Oregon
Coverage Options
Find Your City in Oregon
Frequently Asked Questions
Sources
- Oregon Driver and Motor Vehicle Services — SR-22/Financial Responsibility Requirements
- Oregon Department of Consumer and Business Services — Insurance Division Minimum Coverage Requirements
- Oregon Revised Statutes Chapter 806 — Driving Privileges and Reinstatement