Updated March 2026
State Requirements
Oregon requires minimum liability coverage of 25/50/20: $25,000 bodily injury per person, $50,000 bodily injury per accident, and $20,000 property damage. Drivers convicted of DUI, involved in at-fault accidents without insurance, or suspended for accumulating excessive violations must file SR-22 proof of financial responsibility with the Oregon DMV. Personal injury protection (PIP) is also mandatory at $15,000 minimum, and uninsured motorist coverage must be offered at the same limits as liability unless rejected in writing.
Cost Overview
High-risk drivers in Oregon pay significantly elevated premiums due to violation surcharges, SR-22 filing requirements, and limited carrier competition in the non-standard market. DUI convictions typically increase rates by 150–250%, while at-fault accidents and multiple violations add 40–120% depending on severity. Rates decline gradually as violations age off your record, with most insurers reducing surcharges after 3–5 years of clean driving.
What Affects Your Rate
- Type of violation: DUI surcharges are highest, followed by reckless driving, at-fault accidents, and multiple speeding tickets
- Time since violation: Most carriers reduce surcharges after 3 years and remove them entirely after 5 years
- SR-22 filing requirement: Limits carrier options to non-standard market, which has higher base rates
- ZIP code: Urban areas like Portland and Eugene have higher rates due to accident frequency and uninsured driver density
- Coverage limits: Non-standard carriers often require higher-than-minimum liability limits for SR-22 policies
- Vehicle type: Comprehensive and collision costs increase sharply for high-value or theft-prone vehicles in high-risk policies
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Get Your Free QuoteCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Oregon's 25/50/20 minimums are the legal floor, but high-risk drivers often carry 50/100/50 or higher to protect assets and meet non-standard carrier requirements.
SR-22 Filing
Certificate proving continuous coverage to the Oregon DMV. Required for 3 years after DUI, suspension, or uninsured accident. Any lapse re-suspends your license and restarts the clock.
Uninsured Motorist Coverage
Pays for your injuries and vehicle damage if you're hit by a driver without insurance or with insufficient limits. Oregon requires insurers to offer UM/UIM at the same limits as your liability coverage.
Personal Injury Protection (PIP)
Pays your medical bills, lost wages, and funeral costs regardless of fault. Oregon mandates $15,000 minimum PIP on all policies, including SR-22.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident or single-car crash. Required by lenders if you finance or lease, but optional if you own outright.
Comprehensive Coverage
Covers theft, vandalism, weather damage, and animal strikes. Required by lenders, optional otherwise.
