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What Happens to Your Oregon Car Insurance After a DUI

Oregon requires 25/50/20 liability coverage and is an at-fault state.

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Oregon at a Glance

25/50/20

Minimum liability limits, in thousands of dollars (per person / per accident / property)

At-fault

The at-fault driver's insurance pays for the damage they cause

Required

PIP and Uninsured motorist coverage must be on every policy

No

A defensive driving course does not remove points here

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Oregon

After a DUI or serious violation in Oregon, your current insurer will likely non-renew your policy at the next renewal date—they rarely cancel mid-term, which means you may have weeks or months before you lose coverage, but you must act before that deadline. Oregon typically requires an SR-22 certificate filed with the DMV for DUIs, reckless driving, driving while suspended, and certain other violations. The SR-22 requirement typically lasts three years from your reinstatement date, and if your coverage lapses for even one day during that period, your license is suspended again and the clock restarts.

SR-22 Certificate

SR-22 is not a type of insurance—it is a certificate your insurer files with the Oregon DMV proving you carry the state's required minimum liability coverage. Not all carriers offer SR-22 filing; you must work with an insurer licensed to file in Oregon.

Non-Standard Auto Insurance

Non-standard auto insurance is coverage sold by carriers that specialize in high-risk drivers—those with DUIs, violations, lapses, or suspensions on their record. These carriers charge higher premiums than standard insurers because they accept drivers that Geico, State Farm, and other preferred carriers will not. Most Oregon drivers with a recent DUI or serious violation will need a non-standard carrier to get coverage and SR-22 filing.

Liability Insurance

Liability insurance covers damage and injuries you cause to others in an accident. If you are required to carry SR-22, you must maintain at least these liability limits continuously—dropping below them or letting your policy lapse triggers an automatic license suspension.

High-Risk Auto Insurance

High-risk auto insurance is the broadest category covering drivers with DUIs, multiple violations, at-fault accidents, or license suspensions. Some carriers specialize in high-risk drivers; others will not quote you at all.

Comprehensive and Collision Coverage

Comprehensive and collision coverage are not required by Oregon law, but they are required by your lender if you finance or lease your vehicle. After a violation, these coverages become significantly more expensive because your overall risk profile has changed. Many high-risk drivers choose liability-only coverage to reduce premiums, but this leaves you responsible for all damage to your own vehicle.

What Drivers Pay in Oregon

$235–$257/mo

Typical monthly rate in Oregon, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

What Affects Your Rate

  • Violation type—DUI increases rates more than reckless driving or a single suspension
  • Time since violation—rates begin to drop 3-5 years after the violation date
  • Prior driving history—a clean record before the violation results in smaller increases than multiple prior incidents
  • Carrier availability—Oregon has fewer carriers willing to write high-risk policies than standard policies, reducing competition
  • Location within Oregon—Portland-area drivers typically pay more than rural drivers due to higher accident and theft rates
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Get Back to a Fair Rate After a Violation

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Coverage Types

SR-22 Insurance

SR-22 is the certificate your insurer files with the Oregon DMV to prove you carry required liability coverage. Not all carriers offer SR-22 filing, and finding one that will insure you and file the certificate is the first step after a violation.

Non-Standard Auto Insurance

Non-standard carriers specialize in high-risk drivers and are often the only option after a DUI or serious violation. These policies cost significantly more than standard coverage but provide the liability insurance and SR-22 filing Oregon requires.

High-Risk Auto Insurance

High-risk auto insurance covers drivers with DUIs, violations, suspensions, or lapses. In Oregon, high-risk policies typically cost $1,800-$4,800/year for minimum liability coverage with SR-22 filing.

Liability Insurance

Liability insurance is the foundation of any SR-22 policy in Oregon. You must carry at least the state's minimum limits continuously—any lapse triggers an automatic license suspension and restarts your SR-22 clock.

Find Your City in Oregon

Portland

urban

Eugene

urban

Salem

urban

Gresham

suburban

Hillsboro

suburban

Bend

urban

Medford

urban

Springfield

suburban