Elijah Black is a Greenville, South Carolina native with a B.A. English from Coastal Carolina University. He is a fiction writer and also works as a freelance writer and editor. He’s worked as a Production Assistant for WYFF 4 and has been published in several publications and websites across the United States.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Auto Insurance Agent

UPDATED: Nov 2, 2020

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What is Oregon SR-22 Insurance?

An Oregon SR-22 car insurance form, or financial responsibility insurance certificate, is a document carried by a driver as proof that he is financially responsible for carrying the minimum required car insurance as mandated by law.

Six major factors affect car insurance rates in Oregon. Which auto insurance factors will affect SR-22 rates the most? Typically that’s a OR DUI conviction.

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Who Needs an Oregon SR-22 Car Insurance Form?

In the state of Oregon, SR-22 car insurance forms must be filed by drivers involved in an accident while uninsured and who failed to pay for damages or bodily injury they caused; drivers with unsatisfied judgments; drivers whose drivers’ licenses were revoked or are under mandatory insurance supervision; and drivers with three or more mandatory insurance violation convictions.

Are There Different Types of Oregon SR-22 Auto Insurance Forms?

Motorists in the state of Oregon can file one of three forms of SR-22 car insurance certificates. An Operator’s SR-22 insurance covers financial responsibility for drivers who operate but do not own a car. Owner’s SR-22 insurance covers drivers who own and operate a car. Operator’s-Owner’s SR insurance covers all vehicles owned or not owned by a driver.

Is SR-22 Insurance Required in Oregon?

Motorists in Oregon must carry liability insurance or file an OR SR-22 insurance certificate with the Oregon Department of Transportation. Failure to do either results in a $500 fine and suspension of your license and registration if you are ever stopped by a police officer during an accident or traffic stop.

How Do I File an Oregon SR-22 Insurance Form?

Your insurer can file an Oregon SR-22 auto insurance form with the state. Your insurer will charge a processing fee for the filing, and this fee varies among agencies. You can request a free online quote from state-authorized insurance agencies for Oregon SR-22 car insurance forms. The insurance company will file the SR-22 with the Oregon Driver and Motor Vehicles Division of the Department of Transportation within 30 days. You should receive the SR-22 insurance from your insurer if accepted, along with a letter from the Oregon DMV. You must maintain your Oregon SR-22 auto insurance form for three years and renewed at least 15 days–preferably 45 days–before it expires. Your insurer is required to notify the State if your Oregon SR-22 car insurance filing lapses, and your driving record will be suspended until the SR-22 is reinstated.