SR-22 Insurance in Oregon
When Oregon requires an SR-22 (or similar) certificate of insurance, how long you must keep it, and what happens if it lapses.
Short answer: 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. Or. Rev. Stat. §§ 806.010(4), 806.075, 806.230, 806.240, 806.245
| SR-22 filing | 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. |
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| Driving without insurance | 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. |
More Oregon car insurance & vehicle laws
- Minimum Car Insurance in Oregon
- Driving Without Insurance in Oregon
- When a Car Is a Total Loss in Oregon
- Transferring a Car Title in Oregon
- All Oregon car insurance & vehicle laws rules
FAQ
When do you need an SR-22 in Oregon, and for how long?
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.
What is the penalty for 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.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.