How to Get Non-Owner SR-22 Insurance in Oregon
For those who don’t have a car but need to get SR-22 insurance in Oregon, a non-owner SR-22 policy is the solution.
Written by Amber Reed
Reviewed by Alita Dark
Non-owner SR-22 coverage is a fairly affordable option for those Oregon drivers who need it, but not all insurance providers offer non-owner SR-22s.
Oregon’s minimum requirements for
car insurance
coverage are a little bit more extensive than those of other states, and there are some serious penalties if you get caught driving uninsured! One of the consequences might be needing to keep an SR-22 on file with the Oregon Department of Motor Vehicles (DMV)—but what if you don’t have a car that you need to insure? Non-owner car insurance to the rescue! Read on to learn everything you need to know about getting a non-owner SR-22 in Oregon
.What is SR-22 insurance?
Even though it’s routinely called “
SR-22 insurance
” or “SR-22 coverage,” it’s actually not insurance at all. It’s an official certificate of financial responsibility that your insurance provider files with the Oregon DMV. The purpose of an SR-22 is to serve as confirmation that you have car insurance that meets
Oregon’s car insurance laws
. If you’re considered an at-risk driver
or are attempting to get your driver's license reinstated, you’ll likely need an SR-22. Oregon auto insurance requirements
Just about every state has a minimum amount of
liability insurance
that’s needed to be on the road. But Oregon goes a little bit further and also requires all drivers to carry uninsured motorist coverage and personal injury protection (PIP) as well. Here’s what’s required:- Bodily injury liability coverage:$25,000 per person / $50,000 per accident
- Uninsured motorist bodily injury liability coverage: $25,000 per person / $50,000 per accident
- Personal injury protection (PIP): $15,000 per person
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Who needs an SR-22?
There are certain violations that require keeping an SR-22 on file in Oregon, and it’s often one of the requirements you’ll need to meet to get your driving privileges reinstated after your
Oregon license is suspended
. Here are a few examples of some of the most common reasons you might need an SR-22 in Oregon:
- DUIor DWI
- Reckless driving
- Owning an uninsured vehicle that was involved in an accident
- Applying for a hardship or probationary permit
- Driving without a license
The fee for the SR-22 itself is fairly inexpensive, but you can expect your insurance policy to cost quite a bit more than normal. The good news is, non-owner car insurance is generally not too expensive.
How to get non-owner SR-22 insurance in Oregon
Non-owner car insurance
is just what it sounds like: car insurance coverage for people who don’t own a car but still drive. While most insurance companies offer non-owner coverage, not all providers offer SR-22 certificates. In Oregon, insurers that offer SR-22 certificates include GEICO
and Travelers
. USAA
also offers SR-22 coverage in Oregon, but it’s only available to members of the military and their families. Need a non-owner SR-22? Here’s what to do:
- Contact area insurance providers to see if they offer non-owner SR-22 insurance.
- Get at least three to five insurance quotes to compare before you make your decision, as prices can vary a lot between providers.
- Don’t forget to ask what kinds of car insurance discounts are offered—paying for your policy in full or completing an approved defensive driving course could save you a decent bit of money!
Make sure to keep your policy in force for as long as your SR-22 filing requirement exists, and it’s wise to double-check with the Oregon DMV when it’s okay for you to no longer have an SR-22 on file. But even then, don’t drop your coverage—unless you’re not planning on getting behind the wheel at all.
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Can anyone get an SR-22 in Oregon?
In general, only people who have committed a serious offense, like a
DUI
or driving without car insurance
, need to get an SR-22. Receiving a ticket for a minor traffic violation may increase your car insurance premiums, but it’s not likely to result in you being required to get an SR-22.How long does an SR-22 last in Oregon?
Typically, you’re required to keep an SR-22 for three years. But if it’s a repeat offense or you let your coverage lapse, then you might be required to keep it for a longer period of time.
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