Driving Without Insurance in Oregon

Driving uninsured is a Class B traffic violation. A person convicted must file proof of financial responsibility (an SR-22-type future responsibility filing) with DMV and maintain it for one year; failing to file within 30 days after conviction is a separate Class A traffic violation and leads to license suspension. A driver involved in a crash while uninsured is subject to license suspension. Failure to carry proof of insurance is also a Class B traffic violation.

Proof of insurance must be carried in every vehicle operated in Oregon. Proof may be displayed on an electronic device, and showing it on a device does not give an officer consent to access other contents. The charge of failure to carry proof does not apply if an officer verifies coverage through the Law Enforcement Data System, and it is dismissed if the driver delivers proof to the court before the appearance date that coverage was in effect.

Oregon calls these "future responsibility filings": a certificate of insurance (or DMV self-insurance certificate) filed with DMV. After a conviction for driving uninsured, the filing must be kept for one year. After a DUII conviction, the filing must show at least $50,000/$100,000 bodily injury and $10,000 property damage and be kept for three years from when the first filing is required. DMV ends the requirement after one year for filings required after a crash or a prior-violator conviction, or after three years otherwise; failing to maintain a required filing leads to suspension.