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You need an SR-22 in Oregon for three years. Drivers with an SR-22 in Oregon must maintain at least the minimum car insurance coverage required by Oregon law for three years, and if there is any lapse in coverage, the clock resets. Oregon mandates at least $25,000 in bodily injury liability insurance per person ($50,000 per accident), and at least $20,000 in property damage liability coverage. Oregon also requires uninsured motorist coverage and personal injury protection.
When you get SR-22 insurance coverage in Oregon, your insurance company files your SR-22 certification with the state on your behalf. Failing to file an SR-22 can result in your vehicle registration or license being suspended, in addition to costly reinstatement fees. Your insurer also notifies the state if you cancel your policy or allow it to lapse prematurely. You’re even required to maintain an SR-22 if you move from Oregon, using an out-of-state filing.
If you’re unable to afford your payments, contact your insurance provider before you miss a due date. You can request a different payment plan or get information about subsidized plans that may be more affordable.
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