SR-22 Insurance in Oregon: What You Need to Know (Fast, Simple Guide)

If you’ve been told you need SR-22 insurance in Oregon, you’re not alone—and it doesn’t have to be confusing or expensive. At JMI Insurance, we help drivers across Oregon file SR-22 forms quickly so they can get back on the road legally, safely, and with confidence.

Whether it’s your first time dealing with an SR-22 or you’re renewing it, this guide breaks down exactly how it works and what you need to do next.

What Is SR-22 Insurance in Oregon?

An SR-22 is not an insurance policy.
It’s a certificate of financial responsibility your insurance company files with the Oregon DMV to confirm that you carry the state-required minimum auto liability coverage.

It’s required after certain driving offenses, including:

• DUI / DUII

• Driving without insurance

• Repeat traffic violations

• Suspended or revoked license

• At-fault accidents without insurance

• Court-ordered compliance

Once filed, the SR-22 notifies the DMV that you meet Oregon’s insurance requirements and are legally allowed to drive again.

How Long Do You Need an SR-22 in Oregon?

In most cases, Oregon requires an SR-22 filing for three years from the date your suspension ends.
However, depending on the violation or the court order, your requirement may be shorter or longer.

Important:
If your insurance cancels or lapses during this time, the DMV is notified immediately—and your license may be suspended again.

How Much Does SR-22 Insurance Cost in Oregon?

Great news: the SR-22 itself is usually only $25–$50 to file.

The real cost depends on your insurance rates, which vary based on:

• Driving history

• Age

• Vehicle type

• Location (Beaverton, McMinnville, Newberg, Tigard, etc.)

• Prior violations

• Insurance company

At JMI Insurance, we shop over 19 A-rated carriers to find the lowest possible rate for high-risk and SR-22 drivers—so you don’t overpay.

Can You Get SR-22 Insurance Without a Car?

Yes. Oregon allows non-owner SR-22 insurance, which is perfect if:

• You don’t own a vehicle

• You borrow or occasionally drive someone else’s car

• You need to reinstate your license but don’t have a car yet

A non-owner policy is usually the cheapest SR-22 option.

How to Get SR-22 Insurance in Oregon (Fast & Simple)

We make the process easy:

1. Contact JMI Insurance

Call, text, or request a quote online.
Tell us you need an SR-22 filing.

2. We shop multiple companies

You save time and money—no need to call multiple agents or carriers.

3. We file your SR-22 electronically with the Oregon DMV

Most filings are completed same day, often within minutes.

4. You get proof of insurance immediately

We email or text your documents so you can get back on the road.

What Happens If Your SR-22 Policy Lapses?

If your policy cancels or you miss a payment, the insurance company files an SR-26, which alerts the DMV that you no longer meet the requirement.

This can lead to:

• License suspension

• Reinstatement fees

• Restarting your SR-22 period

To avoid issues, stay in contact with your agent—especially if you’re switching vehicles or carriers.

Why Oregon Drivers Choose JMI Insurance for SR-22 Filings

• ✔ 19+ top-rated carriers

• ✔ Fast DMV filing

• ✔ Affordable high-risk rates

• ✔ Local agents in Beaverton, McMinnville, Newberg & Tigard

• ✔ Non-owner SR-22 options

• ✔ Hassle-free renewals

• ✔ Same-day proof of insurance

We’re a local Oregon agency, so we understand the DMV process inside and out—and we make the entire experience stress-free.